CHAPTER IV

When Charlotte was thirty Carrie--twenty--married. After all, the

innocent little indiscretion which had so thoroughly poisoned

Charlotte's life was not to corrupt Carrie's matrimonial future, in

spite of Mrs. Thrift's mournful prediction. Carrie, whose philosophy of

life was based on that same finding's-keeping plan with which she had

filched the bit of orange silk from her sister so many years before,

married Samuel Payson, junior member of the firm of Thrift and Payson,

Real Estate, Bonds and Mortgages. Charlotte, it may be remembered,

had disdained to pick up the scrap of orange silk on which Carrie had

swooped. Just so with Samuel Payson.

Samuel Payson was destined to be a junior partner. Everything about

him was deferential, subservient. The very folds of his clothes

slanted away from you. He was as oblique and evasive as Isaac Thrift

was upright and forthright. In conversation with you he pronounced

your name at frequent intervals. Charlotte came to dread it: "Yes,

Miss Charlotte.... Do you think so, Miss Charlotte?... Sit here, Miss

Charlotte...." It was like a too-intimate hand on your shrinking arm.

The fashion for men of parting the hair in the middle had just come

in. Samuel Payson parted his from forehead to nape of neck. In some

mysterious way it gave to the back of his head an alert facial

expression very annoying to the beholder. He reminded Charlotte of

someone she had recently met and whom she despised; but for a long

time she could not think who this could be. She found herself staring

at him, fascinated, trying to trace the resemblance. Samuel Payson

misinterpreted her gaze.

Isaac and Hetty Thrift had too late relaxed their vigilant watch over

Charlotte. It had taken them all these years to realize that they were

guarding a prisoner who hugged her chains. Wretched as she was (in a

quiet and unobtrusive way) there is the possibility that she would

have been equally wretched married to a Hardscrabble Dick. Charlotte's

submission was all the more touching because she had nothing against

which to rebel. Once, in the very beginning, Mrs. Thrift, haunted by

something in Charlotte's eyes, had said in a burst of mingled spleen

and self-defense:

"And why do you look at me like that, I should like to know! I'm sure I

didn't kill your young man at Donelson. You're only moping like that to

aggravate me; for something that never could have been, anyway--thank

goodness!"

"He wouldn't have been killed," Charlotte said, unreasonably, and with

conviction.

Had they been as wise and understanding as they were well-meaning,

these two calvinistic parents might have cured Charlotte by one visit

to the Dicks' Hardscrabble kitchen, with a mangy cur nosing her skirts;

a red-faced hostess at the washtub; and a ruined, battered travesty of

the slim young rhyme-making Jesse Dick there in the person of old Pete

Dick squatting, sodden, in the doorway.

As the years went on they had, tardily, a vague and sneaking hope that

something might happen among the G.A.R. widowers of Chicago's better

families. During the reunions of Company I and Company E Charlotte

generally assisted with the dinner or the musical program. She had

a sweet, if small, contralto with notes in it that matched the fine

dark eyebrows. She sang a group of old-fashioned songs: When You and

I Were Young, Maggie; The Belle of Mohawk Vale; and Sleeping I Dream,

Love. Charlotte never suspected her parents' careful scheming behind

these public appearances of hers. Her deft capable hands at the G.A.R.

dinners, her voice lifted in song, were her offerings to Jesse Dick's

memory. Him she served. To him she sang. And gradually even Isaac

and Hetty Thrift realized that the G.A.R. widowers were looking for

younger game; and that Charlotte, surrounded by blue-uniformed figures,

still was gazing through them, past them, into space. Her last public

appearance was when she played the organ and acted as director for

_Queen Esther_, a cantata, which marked rather an epoch in the

amateur musical history of the town. After that she began to devote

herself to her sister's family and to her mother.

But all this was later. Charlotte, at thirty, still had a look of

vigor, and of fragrant (if slightly faded) bloom, together with a

little atmosphere of mystery of which she was entirely unconscious;

born, doubtless, of years of living with a ghost. Attractive qualities,

all three; and all three quite lacking in her tart-tongued and

acidulous younger sister, despite that miss's ten-year advantage.

Carrie was plain, spare, and sallow. Her mind marched with her

father's. The two would discuss real estate and holdings like two men.

Hers was the mathematical and legal-thinking type of brain rarely

found in a woman. She rather despised her mother. Samuel Payson used

to listen to her with an air of respectful admiration and attention.

But it was her older sister to whom he turned at last with, "I thought

perhaps you might enjoy a drive to Cleaversville, since the evening's

so fine, Miss Charlotte. What do you say, Miss Charlotte?"

"Oh, thank you--I'm not properly dressed for driving--perhaps

Carrie----"

"Nonsense!" Mrs. Thrift would interpose tartly.

"But Miss Charlotte, you are quite perfectly dressed. If I may be so

bold, that is a style which suits you to a marvel."

There he was right. It did. Hoops were history. The form-fitting

basque, the flattering neck-frill, the hip sash, and the smart

(though grotesque) bustle revealed, and even emphasized, lines of the

feminine figure--the swell of the bust, the curve of the throat--that

the crinoline had for years concealed. This romantic, if somewhat

lumpy, costume well became Charlotte's slender figure and stern sad

young face. In it Carrie, on the other hand, resembled a shingle in a

flower's sheath.

This obstacle having been battered down, Charlotte raised another.

"They say the Cleaversville road is a sea of mud and no bottom to it

in places. The rains."

"Then," said Samuel Payson, agreeably, "we shall leave that for another

time"--Charlotte brightened--"and go boating in the lagoon instead. Eh,

Miss Charlotte?"

Charlotte, born fifty years later, would have looked her persistent and

unwelcome suitor in the eye and said, "I don't want to go." Charlotte,

with the parental eyes upon her, went dutifully upstairs for bonnet and

mantle.

The lagoon of Samuel Payson's naming was a basin of water between the

narrow strip of park on Michigan Avenue and the railway that ran along

the lake. It was much used for boating of a polite and restricted

nature.

It was a warm Sunday evening in the early summer. The better to get

the breeze the family was sociably seated out on what was known as the

platform. On fine evenings all Chicago sat out on its front steps--"the

stoop" it was called. The platform was even more informal than the

stoop. It was made of wooden planks built across the ditches that ran

along each side of the street. Across it carriages drove up to the

sidewalk when visitors contemplated alighting. All down Wabash Avenue

you saw families comfortably seated in rockers on these platforms,

enjoying the evening breeze and watching the world go by. Here the

Thrifts--Isaac, Hetty, and their daughter Carrie--were seated when the

triumphant Samuel left with the smoldering Charlotte. Here they were

seated when the two returned.

The basin reached, they had hired a boat and Samuel had paddled about

in a splashy and desultory way, not being in the least an oarsman. He

talked, Miss-Charlotteing her so insistently that in ten minutes she

felt thumbed all over. She looked out across the lake. He spoke of his

loneliness, living at the Tremont House. Before being raised to junior

partner he had been a clerk in Isaac Thrift's office. It was thus that

Charlotte still regarded him--when she regarded him at all. She looked

at him now, bent to the oars, his flat chest concave, his lean arms

stringy; panting a little with the unaccustomed exercise.

"It must be lonely," murmured Charlotte, absentmindedly if

sympathetically.

"Your father and mother have been very kind"--he bent a melting look on

her--"far kinder than you have been, Miss Charlotte."

"It's chilly, now that the sun's gone," said Charlotte. "Shall we row

in? This mantle is very light."

It cannot be said that he flushed then, but a little flood of dark

color came into his pallid face. He rowed for the boat-house. He

maneuvered the boat alongside the landing. Twilight had come on. The

shed-like place was too dim for safety, lighted at the far end with

one cobwebby lantern. He hallooed to the absent boatman, shipped his

oars, and stepped out none too expertly. Charlotte stood up, smiling.

She was glad to be in. Sitting opposite him thus, in the boat, it had

been impossible to evade his red-rimmed eyes. Still smiling a little,

with relief she took his proffered hand as he stood on the landing,

stepped up, stumbled a little because he had pulled with unexpected

(and unnecessary) strength, and was horrified suddenly to see him

thrust his head forward like a particularly nasty species of bird, and

press moist clammy lips to the hollow of her throat. Her reaction was

as unfortunate as it was unstudied. "Uriah Heep!" she cried (at last!

the resemblance that had been haunting her all these days), "Heep!

Heep!" and pushed him violently from her. The sacred memories of the

past twelve years, violated now, were behind that outraged push. It

sent him reeling over the edge of the platform, clutching at a post

that was not there, and into the shallow water on the other side. The

boatmen, running tardily toward them, fished him out and restored

him to a curiously unagitated young lady. He was wet but uninjured.

Thus dripping he still insisted on accompanying her home. She had not

murmured so much as, "I'm sorry." They walked home in hurried silence,

his boots squashing at every step. The Thrifts--father, mother, and

daughter--still were seated on the platform before the house, probably

discussing real estate values--two of them, at least. Followed

exclamations, explanations, sympathy, flurry.

"I fell in. A bad landing place. No light. A wretched hole."

Charlotte turned abruptly and walked up the front steps and into the

house. "She's upset," said Mrs. Thrift, automatically voicing the

proper thing, flustered though she was. "Usually it's Charlotte that

falls into things. You must get that coat off at once. And the....

Isaac, your pepper-and-salt suit. A little large but.... Come in....

Dear, dear!... I'll have a hot toddy ready.... Carrie...."

* * * * *

It was soon after the second Chicago fire that Isaac Thrift and his

son-in-law built the three-story-and-basement house on Prairie avenue,

near 29th Street. The old man recalled the boast made almost forty

years before, that some day he would build as far south as Thirtieth

Street; though it was not, as he had then predicted, a country home.

"I was a little wrong there," he admitted, "but only because I was

too conservative. They laughed at me. Well, you can't deny the truth

of it now. It'll be as good a hundred years from now as it is to-day.

Only the finest houses because of the cost of the ground. No chance of

business ever coming up this way. From Sixteenth to Thirtieth it's a

residential paradise. Yes sir! A res-i-den-tial paradise!"

A good thing that he did not live the twenty-five years, or less,

that transformed the paradise into a smoke-blackened and disreputable

inferno, with dusky faces, surmounted by chemically unkinked though

woolly heads, peering from every decayed mansion and tumble-down

rooming house. Sixteenth Street became a sore that would not

heal--scrofulous, filthy. Thirty-first Street was the centre of the

Black Belt. Of all that region Prairie Avenue alone resisted wave

after wave of the black flood that engulfed the streets south, east,

and west. There, in Isaac Thrift's day, lived much of Chicago's

aristocracy; millionaire if mercantile; plutocratic though porcine. And

there its great stone and brick mansions with their mushroom-topped

conservatories, their porte-cochères, their high wrought-iron fences,

and their careful lawns still defied the years, though ruin, dirt, and

decay waited just outside to destroy them. The window-hangings of any

street are its character index. The lace and silk draperies before

the windows of these old mansions still were immaculate, though the

Illinois Central trains, as they screeched derisively by, spat huge

mouthsful of smoke and cinders into their very faces.

Isaac Thrift had fallen far behind his neighbours in the race for

wealth. They had started as he had, with only courage, ambition, and

foresight as capital. But they--merchants, pork-packers--had dealt

in food and clothing on an increasingly greater scale, while Isaac

Thrift had early given up his store to devote all his time to real

estate. There had been his mistake. Bread and pork, hardware and

clothing--these were fundamental needs, changing little with the years.

Millions came to the man who, starting as a purveyor of these, stayed

with them. At best, real estate was a gamble. And Isaac Thrift lost.

His own occasional short-sightedness was not to blame for his most

devastating loss, however. This was dealt him, cruelly and criminally,

by his business partner and son-in-law, the plausible Payson.

The two families dwelt comfortably enough together in the new house on

Prairie. There was room and to spare, even after two children--Belle,

and then Lottie--were born to the Paysons. The house was thought a

grand affair, with its tin bathtub and boxed-in wash-bowl on the second

floor, besides an extra washroom on the first, off the hall; a red

and yellow stained-glass window in the dining room; a butler's pantry

(understand, no butler; Chicago boasted no more than half a dozen of

these); a fine furnace in the lower hall just under the stairway;

oilcloth on the first flight of stairs; Brussels on the second; ingrain

on the third; a liver-colored marble mantel in the front parlor, with

anemic replicas in the back parlor and the more important bedrooms.

It was an age when every possible article of household furniture

was disguised to represent something it was not. A miniature Gothic

cathedral was really a work-basket; a fauteuil was, like as not, a

music box. The Thrifts' parlor carpet was green, woven to represent a

river flowing along from the back parlor folding doors to the street

windows, with a pattern of full-sailed ships on it, and, by way of

variety, occasional bunches of flowers strewn carelessly here and

there, between the ships. On rare and thrilling occasions, during their

infancy, Belle and little Lottie were allowed to crawl down the carpet

river and poke a fascinated finger into a ship's sail or a floral

garland.

Carrie's two children were born in this house. Isaac and Hetty Thrift

died in it. And in it Carrie was left worse than widowed.

Samuel Payson must have been about forty-six when, having gathered

together in the office of Thrift & Payson all the uninvested

moneys--together with negotiable bonds, stocks, and securities--on

which he could lay hands, he decamped and was never seen again. He

must have been planning it for years. It was all quite simple. He had

had active charge of the business. Again and again Isaac Thrift had

turned over to Payson money entrusted him for investment by widows of

lifelong friends; by the sons and daughters of old Chicago settlers; by

lifelong friends themselves. This money Payson had taken, ostensibly

for investment. He had carefully discussed its investment with his

father-in-law, had reported such investments made. In reality he had

invested not a penny. On it had been paid one supposed dividend,

or possibly two. The bulk of it remained untouched. When his time

came Samuel Payson gathered together the practically virgin sums and

vanished to live some strange life of his own of which he had been

dreaming behind that truckling manner and the Heepish face, with its

red-rimmed eyes.

He had been a model husband, father, and son-in-law. Chess with old

Isaac, evenings; wool-windings for Mrs. Thrift; games with the two

little girls; church on Sundays with Carrie. Between him and Charlotte

little talk was wasted, and no pretense.

A thousand times, in those years of their dwelling together, Mrs.

Thrift's eyes had seemed to say to Charlotte, "You see! This is what a

husband should be. This is a son-in-law. No Dick disgracing us here."

The blow stunned the two old people almost beyond realising its

enormity. The loss was, altogether, about one hundred and fifty

thousand dollars. Isaac Thrift set about repaying it. Real estate on

Indiana, Wabash, Michigan, Prairie was sold and the money distributed

to make good the default. They kept the house on Prairie; clung to it.

Anything but that. After it was all over Isaac Thrift was an old man

with palsied hands. Hair and beard whose color had defied the years

were suddenly white. Hetty Thrift's tongue lost its venomous bite.

After Isaac Thrift's death she turned to Charlotte. Charlotte alone

could quell her querulousness. Carrie acted as an irritant, naturally.

They were so much alike. It was Charlotte who made broths and jellies,

milk-toast and gruel with which to tempt the mother's appetite.

Carrie, the mathematical, was a notoriously poor cook. Her mind was

orderly and painstaking enough when it came to figuring on a piece of

property, or a depreciated bond. But it lacked that peculiar patience

necessary to the watching of a boiling pot or a simmering pan.

"Oh, it's done by now," she would cry, and dump a pan's contents into a

dish. Oftener than not it was half-cooked or burned.

Charlotte announced, rather timidly, that she would give music

lessons; sewing lessons; do fine embroidery. But her tinkling tunes

were ghostly echoes of a bygone day. People were even beginning to say

that perhaps, after all, this madman Wagner could be played so that one

might endure listening. Hand embroidery was little appreciated at a

time when imitations were the craze.

Carrie it was who became head of that manless household. It was well

she had wasted her time in doing sums instead of being more elegantly

occupied while at Miss Tait's Finishing School, in the old Wabash

Avenue days. She now juggled interest, simple and compound, with ease;

took charge of the few remaining bits of scattered property saved from

the ruins; talked glibly of lots, quarter-sections, sub-divisions.

All through their childhood Belle and Lottie heard reiterated: "Run

away. Can't you see mother's busy! Ask Aunt Charlotte." So then, it

was Aunt Charlotte who gave them their bread-and-butter with sugar on

top. Gradually the whole household revolved about Carrie, though it was

Charlotte who kept it in motion. When Carrie went to bed the household

went to bed. She must have her rest. Meals were timed to suit Carrie's

needs. She became a business woman in a day when business women were

practically unheard of. She actually opened an office in one of the

new big Clark Street office buildings, near Washington, and had a sign

printed on the door:

MRS. CARRIE PAYSON

REAL ESTATE

BONDS MORTGAGES

_Successor to late Isaac Thrift_

Later she changed this to "Carrie Thrift Payson." Change came easily

to Carrie. Adaptability was one of her gifts. In 1893 (World's Fair

year) she was one of the first to wear the new Eton jacket and separate

skirt of blue serge (it became almost a uniform with women); and the

shirtwaist, a garment that marked an innovation in women's clothes. She

worked like a man, ruled the roost, was as ruthless as a man. She was

neither a good housekeeper nor marketer, but something perverse in her

made her insist on keeping a hand on the reins of household as well as

business. It was, perhaps, due to a colossal egotism and a petty love

of power. Charlotte could have marketed expertly and thriftily but

Carrie liked to do it on her way downtown in the morning, stopping at

grocer's and butcher's on Thirty-first Street and prefacing her order

always with, "I'm in a hurry." The meat, vegetables, and fruit she

selected were never strictly first-grade. A bargain delighted her. If

an orange was a little soft in one spot she reckoned that the spot

could be cut away. Such was her system of false economy.

With the World's Fair came a boom in real estate and Carrie Payson rode

on the crest of it. There still were heart-breaking debts to pay and

she paid them honestly. She was too much a Thrift to do otherwise. She

never became rich, but she did manage a decent livelihood. Fortunately

for all of them, old Isaac Thrift had bought some low swampy land far

out in what was considered the wilderness, near the lake, even beyond

the section known as Cottage Grove. With the Fair this land became

suddenly valuable.

There's no denying that Carrie lacked a certain feminine quality. If

one of the children chanced to fall ill, their mother, bustling home

from the office, had no knack of smoothing a pillow or cooling a hot

little body or easing a pain. "Please, mother, would you mind not doing

that? It makes my headache worse." Her fingers were heavy, clumsy,

almost rough, like a man's. Her maternal guidance of her two daughters

took the form of absent-minded and rather nagging admonitions:

"Belle, you're reading against the light."

"Lottie, did you change your dress when you came home from school?"

"Don't bite that thread with your teeth!" Or, as it became later,

merely, "Your teeth!"

Slowly, but inevitably, the Paysons dropped out of the circle made up

of Chicago's rich old families--old, that is, in a city that reckoned

a twenty-year building a landmark. The dollar sign was beginning to be

the open sesame and this symbol had long been violently erased from

the Thrift-Payson escutcheon. To the ladies in landaus with the little

screw-jointed sun parasols held stiffly before them, Carrie Payson and

Charlotte Thrift still were "Carrie" and "Charlotte dear." They--and

later Belle and Lottie--were asked to the big, inclusive crushes

pretty regularly once a year. But the small smart dinners that were

just coming in; the intimate social gayeties; the clubby affairs, knew

them not. "One of the Thrift girls" might mean anyone in the Prairie

Avenue household, but it was never anything but a term of respect and

meant much to anyone who was native to Chicago. Other Prairie Avenue

mansions sent their daughters to local private schools, or to the

Eastern finishing schools. Belle and Lottie attended the public grammar

school and later Armour Institute for the high school course only.

Middle-aged folk said to Lottie, "My, how much like your Aunt Charlotte

you do look, child!" They never exclaimed in Belle's presence at the

likeness they found in her face. Belle's family resemblance could be

plainly traced to one of whom friends did not speak in public. Belle

was six years her sister's senior, but Lottie, with her serious brow

and her clear, steady eyes, looked almost Belle's age. Though Belle

was known as the flighty one there was more real fun in Lottie. In

Lottie's bedroom there still hangs a picture of the two of them, framed

in passepartout. It was taken--arm in arm--when Lottie was finishing

high school and Belle was about to marry Henry Kemp; high pompadours

over enormous "rats," the whole edifice surmounted by a life-size

_chou_ of ribbon; shirtwaists with broad Gibson tucks that gave

them shoulders of a coal-heaver; plaid circular skirts fitting snugly

about the hips and flaring out in great bell-shaped width at the hem;

and trailing.

"What in the world do you keep that comic valentine hanging up for!"

Belle always exclaimed when she chanced into Lottie's room in later

years.

Often and often, during these years, you might have heard Carrie Payson

say, with bitterness, "I don't want my girls to have the life I've had.

I'll see to it that they don't."

"How are you going to do it?" Charlotte would ask, with a curious smile.

"I'll stay young with them. And I'll watch for mistakes. I know the

world. I ought to. For that matter, I'd as soon they never married."

Charlotte would flare into sudden and inexplicable protest. "You let

them live their own lives, the way they want to, good or bad. How do

you know the way it'll turn out! Nobody knows. Let them live their own

lives."

"Nonsense," from Carrie, crisply. "A mother knows. One uses a little

common sense in these things, that's all. Don't you think a mother

knows?" a rhetorical question, plainly, but:

"No," said Charlotte.

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