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“Not a penny yet, but I’m going to earn some,” answered Marjorie, patting the little bank with an air of resolution pretty to see.

“How will you do it?” continued the inquisitive old man.

“Oh, I’m going to pick berries and dig dandelions, and weed, and drive cows, and do chores. It is vacation, and I can work all the time, and earn ever so much.”

“But vacation is play-time,–how about that?”

“Why, that sort of work IS play, and I get bits of fun all along. I always have a good swing when I go for the cows, and pick flowers with the dandelions. Weeding isn’t so nice, but berrying is very pleasant, and we have good times all together.”

“What shall you do with your money when you get it?”

“Oh, lots of things! Buy books and clothes for school, and, if I get a great deal, give some to granny. I’d love to do that, for she takes care of me, and I’d be so proud to help her!”

“Good little lass!” said the old gentleman, as he put his hand in his pocket. “Would you now?” he added, apparently addressing himself to a large frog who sat upon a stone, looking so wise and grandfatherly that it really did seem quite proper to consult him. At all events, he gave his opinion in the most decided manner, for, with a loud croak, he turned an undignified somersault into the brook, splashing up the water at a great rate. “Well, perhaps it wouldn’t be best on the whole. Industry is a good teacher, and money cannot buy happiness, as I know to my sorrow.”

The old gentleman still seemed to be talking to the frog, and as he spoke he took his hand out of his pocket with less in it than he had at first intended.

“What a very queer person!” thought Marjorie, for she had not heard a word, and wondered what he was thinking about down there.

Jack walked out of the brook just then, and she ran to check him up; not an easy task for little hands, as he preferred to nibble the grass on the bank. But she did it cleverly, smoothed the ruffled mane, and, dropping another curtsy, stood aside to let the little carriage pass.

“Thank you, child–thank you. Here is something for your bank, and good luck to it.”

As he spoke, the old man laid a bright gold dollar in her hand, patted the rosy cheek, and vanished in a cloud of dust, leaving Marjorie so astonished at the grandeur of the gift, that she stood looking at it as if it had been a fortune. It was to her; and visions of pink calico gowns, new grammars, and fresh hat-ribbons danced through her head in delightful confusion, as her eyes rested on the shining coin in her palm.

Then, with a solemn air, she invested her first money by popping it down the chimney of the scarlet mansion, and peeping in with one eye to see if it landed safely on the ground-floor. This done, she took a long breath, and looked over the railing, to be sure it was not all a dream. No; the wheel marks were still there, the brown water was not yet clear, and, if a witness was needed, there sat the big frog again, looking so like the old gentleman, with his bottle-green coat, speckled trousers, and twinkling eyes, that Marjorie burst out laughing, and clapped her hands, saying aloud,–

“I’ll play he was the Brownie, and this is the good-luck penny he gave me. Oh, what fun!” and away she skipped, rattling the dear new bank like a castanet.

When she had told granny all about it, she got knife and basket, and went out to dig dandelions; for the desire to increase her fortune was so strong, she could not rest a minute. Up and down she went, so busily peering and digging, that she never lifted up her eyes till something like a great white bird skimmed by so low she could not help seeing it. A pleasant laugh sounded behind her as she started up, and, looking round, she nearly sat down again in sheer surprise, for there close by was a slender little lady, comfortably established under a big umbrella.