"It is a great responsibility having a place like this and so much money," answered Mrs. Clavering.  "Florence dear, I don't want to preach--in fact, there is nothing I hate more, but I should like to say one thing.  Happiness in the world is far more evenly divided than anyone has the least idea of.  Riches are eagerly coveted by those who are poor, but the rich have immense responsibilities.  Remember, my child, that we all have to give an account with regard to our individual talents some day."