To observe this trio--the simple, complacent little man and his two young nieces--no stranger would suspect them to be other than ordinary tourists, bent on escaping the severe Eastern winter; but in New York the name of John Merrick was spoken with awe in financial circles, where his many millions made him an important figure. He had practically retired from active business and his large investments were managed by his brother-in-law, Major Gregory Doyle, who was Miss Patsy's father and sole surviving parent. All of Mr. Merrick's present interest in life centered in his three nieces, and because Louise was happily married and had now an establishment of her own--including a rather new but very remarkable baby--Uncle John was drawn closer to the two younger nieces and devoted himself wholly to their welfare.