To the casual observer the Rankins' home was a very pleasant one. It was a pretty, broad-verandaed cottage nestled in the shadows of a clump of towering cocoanut palms, on the far southern island of Key West. It stood on the outskirts of the town, and so close to the beach that the warm waters of the Mexican Gulf rippling on the coral rocks behind it made a ceaseless melody for its inmates. Jasmine-vines clambered over it, glossy-leaved myrtles, a hedge of night-blooming cereus and other sweet-scented tropical shrubs perfumed the air about it. Through these, looking out from the shaded coolness of the verandas, the eye caught fascinating glimpses of blue waters with white sails constantly passing, and stately men-of-war swinging idly at their moorings. It looked an ideal home; but even in this tropical Eden there was one very large serpent, besides several that were smaller though almost equally annoying. The big one was poverty, and it held the Rankins in its dread embrace as though with no intention of relaxing it.