"Fifteen shillings a week, and three saved out of them!" thought Margaret to herself. "But she must have been very young. She probably has forgotten her own personal experience. But she must know of those days." Margaret's manner had an extra tinge of coldness in it when she next spoke.
"You have good concerts here, I believe."

'Fifteen shillings a week, and three saved out of them!' thought Margaret. 'But she must have been very young. She has probably forgotten those days. Yet she must know of them.' Margaret's manner had an extra tinge of coldness when she spoke.
'You have good concerts here, I believe.'
