Jack and Annie had graduated from the public school and were expecting to enter the high school with the next term, when their father died suddenly, and it was found that Mr. Hazard, who had been a liberal provider, had lived up to his means and, what was more unfortunate, had neglected to insure his life.

Of course, Mrs. Hazard had to move to a cheaper home and neighborhood, for the few dollars she found herself possessed of after the funeral and other necessary expenses had been paid would not keep them for any great length of time.

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