THE GUARDIAN. WN What Income Will ll'ou need When You Retire? when the ma; mfg :5 rats 53.; an ;.m sea :5 income . . . but bow much will you need? If you have to reduce your standard of living too steeply, your decljn. ing years are pnlikely to be years of comfort. The wise thing is to review your probable needs while it is still possible to make provision. Life insurance can be arranged to provide as much guaranteed monthly income as you consider necessary. Individual needs differ - some men must provide their entire retirement income from their private savings -- others need only to supplement existing retirement benefits. Mamiatturers Life representatives are trained to help you plan the income required in your particular case. ,7!!! MANUFACTURERS msuaance 4; gm pg", jinn omcl , (Established 1887) oaomo, Q..." C. M. FRAZEI -- 3. H. HUGHES Upodll Representatives The "Blue Baal" - sour Cunsdins Ndlinmvl 1 iron Tails - guide In Iirrrywhrn ins Canada. . This year, The international Limited u mpletes 50 years of continuous, regular daily service between Montreal, Toronto" and Chicago. Since July 1st, 1900, Canada's premier train, The international Lirnited, has been providing something special in speedy railway travel . . . courteous service, comfort and a smooth ride over a perfect roadbed . . . double track all the way. with automatic block signals. The International Limited follows the short fast route, full of scenic interest by day, sleep-inviting for overnight travel. Next time, travel comfortably . . . arrive refreshed on The International Limited. It serves Montreal, Cornwall. Brocltville, Kingston, Belleville, Port Hope, Oshawa, Toronto, Hamilton, Brantford, London, Ssrnia . . . Chicago. Orodisoninuommt-roam only. Tli Golden Girl Is AGNII Louisa rnovosr AND LADIBOKI BLACK .3... continued xvi Life for Gloria, barring always that lurking uneasiness in the background, had become a kaleid- oscopic dream. Frances Payne, always craving pleasure and ex- 4 eitem t and bent on making her new venture as entertaining as possible, used all her tireless energy and her list of friends to make the day a continuous butter- fly dance for both of them. Each morning's mail brought its shower of invitations. and life beckoned gayly on and on. Gloria knew that Frances Payne was spending money lavishly for both of them. but it did not seem to matter. There was always so much more. Alreadiy Mrs Payne was con- sidering the relative merits of Palm Beach and Cannes for the winter. She knew of a villa in Cannes that Gloria could get for an absurdly low figure. Gloria listened. with all her delicious drifting she still held a light hand on the wheel. as Mrs. Payne had once or twice discovered to her annoyed surprise. one of the im- clisrloitotown Delegates To ihodloal convention Among the members of the General Council of the Canadian Medical Association attending the u. nusl convention in Halifax last week are, left to right: Dr. H. H. Pierce, Charloitettowrr Dr W J P" MacMillan, Charlotietown; Dr. A. R. Grant. Summerside. i ' l ' ' mediate results was that even in her most pressing financial strait". -and they were numerous-she did not attempt to borrow money from Gloria and this in spite of the fact that Gloria was most generous with her. Somehow Frances felt that it would be diffi- cult to ask for money and sti.l run in debt for gorgeous gowns. Miss Staunton apparently him some puritanical views about fin- anciai matters. She was reminded of that un- yielding quality beneath all the softness and the cream-and-gold loveliness of her charge when she came into Gloria's room at the Bluffs one morning and YOUH1 Gloria, slim, trim and br-autifuily tailored, Icljusiing a smart little hat on her shining hair. H "Darling, you are so energetic! Frances curled lazily in a nearby chair, but her eyes were suspicious. ugow can you be up and dressed for the street at this hour after dancing half the night? You haven't forgotten that Dickersons starts at two?" ”I thought you knew I ins HM coming? I am going to the city on business. I am sorry if there was any misunderstanding." Gloria spoke mildly. She had no wish to disappoint Frances over the yachting trip with the wealthy Dickersons, but neither did she in- tend to go. It was a. curious coinci- dence that Mrs Dickerson was a remote connection oi the Endlcott's and made the most it although Miss Harriet Endicott was never heard to mention it But it was not for that reason that Gloria. did not wish to go, nor yet because she did not care for them nor the people they usually gathered around them. The real reason was that she had heard Wziyme Gor- ham was to be one of the party rm the three days' trip up the coast. "Oh, Glory, you provoking little wretchi" Mrs. Payne tried to ap- pear good-humored, but her eyes were stormy. "Can't you postpone the silly business? It will be is perfect trip, and the Dlckcrsons have the most gorgeous yacli: along the coast. I know she is try- ing at times. but they 0 know how to entertain. Please, darling! I shall be so disappointed if you don't come.” Frances coaxed preltily. She had promised Wayne Gorham that Gloria would be there, and Gor- ham could make himself unpleas- ant when his plans were disturbed. "But, Frances, dear that need not prevent your going. I decided only for myself. you know. I wrote to Mrs. Dickerson yvesterday." Mrs. Payne's pretty face hard- ened into a sullen little mask. she shrugged a petulant shoulder "Of course you will do as you please," she said coldly, "but it will. be perfectly obvious to Mrs. Dickerson that you are running away because you don't wish to ac- cept. No one really had engage- ments ln town at this time of me year. She will be furious." "I am sorry that you feel that way about it. Good-by Frances." There was a delicate finality in Glorlajs voice that was not to be mistaken. She hesitated. and tin :1 bent down anti kissed the pretty petulant fact-. "Don't be angry, dear. And 1 have business in town whether Mrs. Dickerson believes it or not." w Gloria took her overnight bag from Cecil and went out leaving Mrs. Dick Payne curled in su.it,v contemplation against the cush- ions of her most comfortable chair. As Gloria went out in her welt.- ing motor a man in flannels idly flirting with the pretty girl at the hotel news stand turned his head and looked after her. A second later he left the news stand and followed, only to see Miss staun- ton's car speed out of the drive. Got-ham frowned. looked at his watch and said something under his breath. what was taking Gloria Stsunton away, evidently on a journey. when she was due on board the Dickerson yacht in less than three hours? With an impatient jerk he went back and called up Mrs. Payne. Mrs. Payne was dressing and could not see him immediately. Perhaps. being in a bad humor herself, she kept him waiting longer than was necessary. At any rate he sat in Miss stauntorra private sitting room and fumcil because he had been at elaborate , pains to get an invitation through Frances Payne to the Dicker-sons' yachting party which he had been certain would include Gloria. lie was not in love with Gloria ltaunion. but he was cynically in- (ct! illlli L) terested in the brief glimpse of of mystery he had caught and the erstwhiie secretary's sudden rise from poverty to apparent afflu- ence. If the affluence was real Gloria was worth cultivating for more than one reason, and wha: he already knew or surmised about x x it: .l to lunch her had its value. when Mrs. Payne entered. he greeted her with little attempt to conceal his annoyance. "I thought Miss staunton was going on the cruise? You gave me to understand that she was." "RPBUY. One might think you were calling on me to account for her absence!" Mrs. Payne gave him the benefit of a cool stare. she was not accustomed to having men talk to her in that way. "I am sure I presented all the in. ducements." she added malicious. Iv '”MY HANH" I0 I WIIIIW CIMDIII3 BANK or Momriuaan, woaxmo wmt cauaolaus IN tvsav WALK or me IINCI up, fa.-a of;-nmowrlng somewhere," T spite of her i look crept into 'i'5.;n3:"2'" she had gained in a few wa ago on zinc, only to get - - Gmollllled in new speculum" by was Gorham looking at; M its that? Why must she be bound- "! told her that it was the most aorseous yacht in the country and that you were going to be there. but there seems to be business in New York. Dreadfully sorrry that you are disappointed." He seemed little disturbed by her childish fling at him. When he spoke he changed the subject ed by debts while Gloria. st. abruptly . had um” "Arcana Oil dropped out of Wendrfnme money min me co"! sliht yesterday." "50 I noticed. I hope you sold before it went too far." "You left no orders," he said smoothly, "so of course I felt obliged to hold on. 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