friend from Dunsterville who found success in New York, finds her a job as secretary for Joe Rendal, who is also from Dunsterville. Joe used to be shy and stare adoringly at Mary from afar, but has been changed by New York. He is now confident, better-looking, and uninterested in Mary. Mary is indignant that Joe, who used to worship her, now only treats her like an insignificant employee. Eddy, on the other hand, is friendly and supportive. Joe tells Mary that Eddy is crooked, but Mary does not believe him. She catches Joe giving her a look of adoration, which surprises her since she thought his feelings had changed. At lunch, Eddy offers to pay Mary for a copy of one of Joe's letters. She is shocked that Eddy really is dishonest. Joe appears, and claims to have accidentally sent Eddy a letter meant for someone else, though Joe actually did this on purpose so that Eddy would try to make a deal with Mary. Eddy quickly leaves. Joe explains that Eddy was hoping to obtain profitable information about John Longwood, who occasionally informs Joe about his activity on the market a day or so in advance. Joe confesses to Mary that, though he has been changed by New York in other ways, he still loves her, and had only been pretending that his feelings had changed. He recalls that Mary didn't care about him in the old days, but she smiles at him and tells him that New York has changed her, too. "The Tuppenny Millionaire" UK: Strand, October 1912 Plot George Albert Balmer inherits a thousand pounds. He works for the Planet Insurance Company, and another employee, Harold Flower, tries to borrow a sovereign from George, who refuses. Harold claims George is afraid to use his new money and will just draw a little each year from Consuls (government bonds). George is offended, especially because he had actually been planning to invest in Consuls, so he tells Harold he is going to Monte Carlo. George remains in Monte Carlo long enough to send a postcard to Harold, then goes to nearby Roville, a cheaper resort. While enjoying the sights, he finds a novel, which has a name inside, Julia Waveney. She comes up to him and thanks him for finding her book. George falls in love with her. He learns from a newspaper that there is a