"You need not be quite so cool with Lord Kilbourne, you know, Phoebe. I am certain he is going to offer for you soon. You may give him some encouragement now without fear of anyone thinking you overbold." Phoebe poured another cup of tea and made a face. Her sister did not notice. Meredith was too busy concentrating on the flower she was embroidering onto her daughter's tiny gown. It occurred to Phoebe, not for the first time, that anyone looking at Meredith saw a paragon of wifehood and motherhood. It was not an illusion. Meredith was a paragon. But few people outside the immediate circle of her family were aware of the amazing talent for business and financial matters that lay beneath the breathtakingly perfect surface. In addition to being a devoted wife and mother, she was an active advisor to her husband in his many investments. An inclination for such matters was a common trait in Phoebe's family. Her father, the earl, was a mathematician who loved to apply his principles to both his investments and his scientific experiments.