“You’re crazy,” said Ray, unemotionally. He was not angry. He was amused.

But Cora was persistent. Her coat was a sight. She had to have something. She never had had a real fur coat.

“How about your Hudson seal?”

“Hudson seal! Did you ever see any seals in the Hudson! Fake fur. I’ve never had a really decent piece of fur in my life. Always some mangy make-believe. All the girls in the Crowd are getting new coats this year. The woman next door — Mrs. Hoyt — is talking of getting one. She says Mr. Hoyt — — ”

“Say, who are these Hoyts, anyway?”

Ray came home early one day to find the door to 618 open. He glanced in, involuntarily. A man sat in the living room —