Chapter 20 OTTER-SKINS.

"Ah, pappy," said Miss Gertrude White to her father and she pretended to sigh as she spoke-"this is a change indeed!"

They were driving up to the gate of the small cottage in South Bank. It was the end of October. In the gardens they passed the trees were almost bare; though such leaves as hung sparsely on the branches of the chestnuts and maple