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“We’ve always got along very well, William,” replied the wife. “As our family has increased our means have increased, and I have no doubt will continue to increase, if the wants of our children require us to have a larger income than we enjoy at present.”

“I don’t know—I’m not sure of that. It was more by good fortune than any thing else that I succeeded in obtaining better employment than I had when we were married. Suppose my salary had continued to be only four hundred dollars, what would we have done?”

“But it didn’t continue at four hundred dollars, William.”

“It might though—think of that. It was by the merest good luck in the world that I got into the insurance office—there we’re two or three dozen applicants, and the gaining of the place by me was mere chance work. If I hadn’t been in the insurance office for so many years, and by that means become acquainted with most of the directors of the bank, I never would have attained my present comfortable place. It makes me sick when I think of the miserable plight we would now be in, if that piece of good fortune had not accidentally befallen me.”

“Don’t say accidentally,” returned the wife, in a gentle tone, “say providentially. He who sent us children, sent with them the means for their support. It isn’t luck, dear, it is Providence.”

“It may be, but I can’t understand it,” returned Mr. Bancroft, doubtingly. “To me it is all luck.”

After this remark, he was silent for some time. Then he said, with a tone made cheerful by the thought he expressed,

“How pleasantly we would be getting along if our family were no larger than it was when I had only four hundred dollars income. How easy it would be to lay up a thousand dollars every year. Let me see, we have been married over sixteen years. Just think what a handsome little property we would have by this time—sixteen thousand dollars. As it is, we haven’t sixteen thousand cents, and no likelihood of ever getting a farthing ahead. It is right down discouraging.”

The semi-cheerful tone in which Mr. Bancroft had commenced speaking, died away in the last brief sentence.

“Two or three children are enough for any body to have,” he resumed, half fretfully; “and quite as many as can be well taken care of. With two or even three, we might be as happy and comfortable as we could desire. But with seven, and half as many more in prospect, O dear! It is enough to dishearten any one.”

Mrs. Bancroft did not reply, but drew her arm tighter around the babe that lay asleep upon her breast. Her mind wandered over the seven jewels that were to her so precious, and she asked herself which of them she could part with; or if there was an earthly good more to be desired than the love of these dear children.

Mr. Bancroft had very little more to say that evening, but his state of mind did not improve. He was dissatisfied because his income, ten years before, when his expenses were less, was not as good as it was now, and looked ahead with, a troubled feeling at the prospect of a still increasing family, and still increasing expenses, to meet which he could see no possible way. In this unhappy mood he retired at an earlier hour than usual, but could not sleep for a long time—his thoughts were too unquiet. At last, however, he sunk into a deep slumber.

When again conscious, the sun was shining in at the window. His wife had already risen. He got up, dressed himself, and went down stairs. Breakfast was already on the table, and his happy little household assembling. But after all were seated, Mr. Bancroft noticed a vacant place.

“Where is Flora?” he asked.

A shade passed over the brow of his wife.

“Flora has been quite ill all night,” she replied; “I was up with her for two or three hours.”

“Indeed! what is the matter?”

Mr. Bancroft felt a sudden strange alarm take hold of his heart.

“I can’t tell,” returned the mother. “She has a high fever, and complains of sore throat.”

“Scarlet fever?” ejaculated Mr. Bancroft, pushing aside his untasted cup of coffee and rising from the table. “I must have the doctor here immediately. It is raging all around us.”

The father hurried from the room, and went in great haste for the family physician, who promised to make his first call that morning at his house.

When Mr. Bancroft came home from the bank in the afternoon, he found Flora extremely ill, with every indication of the dreadful disease he named in the morning. A couple of days reduced doubt to certainty. It was a case of scarlatina of the worst type. Speedily did it run its fatal course, and in less than a week from the time she was attacked, Flora was forever free from all mortal agonies.

This was a terrible blow to the father. It broke him completely down. The mother bore her sad bereavement with the calmness of a Christian, yet not without the keenest suffering.

But the visitation did not stop here. Death rarely lays his withering hand upon one household flower without touching another, and causing it to droop, wither, and fall to the ground. So it was in this case. William, the manly, intelligent, promising boy, upon whom the father had ever looked with love and pride so evenly balanced, that the preponderance of neither became apparent, was taken with the same fatal disease and survived his sister only two weeks.

The death of Flora bowed Mr. Bancroft to the ground: that of William completely prostrated him. He remembered, too distinctly, how often and how recently he had murmured at the good gift of children sent him by God, and now he trembled lest all were to be taken from him, as one unworthy of the high benefactions with which he had been blessed. How few seemed now the number of his little ones. There were but five left. The house seemed desolate; he missed Flora every where, and listened, in vain, for her light step and voice of music. William was never out of his thoughts.

For weeks and months his heart was full of fear. If Mary, or Kate, or little Harry looked dull, he was seized with instant alarm. A slight fever almost set him wild. Scarcely a week passed that the doctor was not summoned on some pretense or other, and medicine forced down the throats of the little ones.

This was the aspect of affairs, when, in a time of great fiscal derangement, the bank in which Mr. Bancroft was clerk suffered a severe run, which was continued so long that the institution was forced to close its doors. A commission was appointed to examine into its affairs. This examination brought to light many irregularities in the management of the bank, and resulted in a statement which made it clear that a total suspension and winding-up of the concern must ensue.

By this disaster, Mr. Bancroft was thrown out of employment. Fortunately, the clerk in his old situation in the insurance company gave up his place very shortly afterward, and Bancroft on application, was appointed in his stead. The salary was only a thousand dollars, but he was glad to get that.

So serious a reduction in his income made some reduction in existing expenses necessary. This was attained, in part, by removing into a house for which a rent of only two hundred dollars, instead of three, was paid.

Still the parents trembled for their children, and were filled with alarm if the slightest indisposition appeared. A few months passed and again the hand of sickness was laid upon the family of Mr. Bancroft. Mary and Kate and little Harry were all taken with the fatal disease that had stricken down Flora and William in the freshness of youth and beauty. The father, as he bent over his desk had felt all day an unusual depression of spirits. There was, upon his mind, a foreshadowing of evil. On leaving the office, rather earlier than usual, he hurried home with a heart full of anxiety and fear. His wife opened the door for him. She looked troubled, but was silent. She went up-stairs quickly—he followed. The chamber they entered was very still. As he approached the bed, he saw that Mary and Kate were lying there, and that Harry was in the crib beside them. Their faces were red, and when he placed his hands upon their foreheads, he found them hot with fever.