Gwen went back to school feeling rather tamed and sober. The bad cold and face-ache, subsequent on her adventure in the snow, had seriously interfered with her plans for the holidays, and she had not accomplished half she intended to do in the time. Dick Chambers had been laid up in bed with an attack of rheumatism, so she had scarcely seen anything of him, and altogether the much-longed-for month had held its disappointments. She returned to her desk in the Fifth almost glad to begin a fresh term, though she knew many difficulties awaited her. First and foremost was the horrible fact that she owed a whole sovereign to Netta Goodwin, and had absolutely no prospect of paying it. She tried to avoid any private conversation with her chum, but the ruse was not successful for long. Netta was a girl who was accustomed to get her own way, and she followed Gwen round the school until she caught her alone.

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