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From: <yuw...@16...> - 2014-01-28 06:14:41
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<html><head><meta http-equiv="Content-Type" content="text/html; charset=utf-8"><style> body { font-family: "Calibri","Slate Pro","sans-serif"; color:#262626 }</style> </head> <body data-blackberry-caret-color="#00a8df"><div>尊敬的vimcdoc翻译小组：</div><div> 你们的工作给我带来了很大的帮助，非常感谢你们的贡献。只是对有一处的名词翻译存有一点疑问，</div><div>在user manual 1.9.0的41.9节之中，Exceptions被翻译成了＂例外＂，而并非通常编程语言里面称呼的＂异常＂，我想知道这是为什么？</div><div> 希望你们能帮我解除这个疑惑，非常感谢。</div><div> </div><div> yu</div><div> </div><div><br></div><div><br></div><div><br></div><div id="_signaturePlaceholder">发送自我的 BlackBerry 10 智能手机。</div></body></html>
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From: 请转培训部门 <tg...@nb...> - 2013-06-10 00:55:16
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应收账款管理及信用风险控制与催收
郑重承诺：内容源于讲师多年实际工作经验，精彩授课，每期课程满意度均为96%以上，“品质制胜”是我们一
贯坚持的原则，在此我们作出郑重承诺：凡对课程质量不满意者，在课程开始起两小时内现场提出我们均无条件退费！！！
2013年6月22---23日---上海
2013年6月29--30日----深圳
参课对象：企业高级管理人员、高级财会人员、信用管理人员、营销人员、私营公司老板及法律或清欠人员等。
3800元/两天*买一赠一,不再打折”，单独一人收费2800元。（含两天中餐、指定教材、茶点）
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0755-61287552 021-51602856 （不需要此类信件请回复电邮至tui...@12...退信）
======================================================================================
当前，我国绝大多数企业都面临“销售难、收款更难”的双重困境。一方面，市场竞争日益激烈，为争取客户
订单，企业提供几近苛刻的优惠条件，利润越来越薄；另一方面，客户拖欠账款，销售人员催收不力，产生了
大量呆帐、坏帐，使本已单薄的利润更被严重侵蚀……。这一切，都源于企业经营管理上的一项严重缺陷――
缺乏适当的信用风险管理。信用风险和信用管理问题越来越成为影响和制约我国企业发展的一个突出问题。
◆如何处理“销售难、收款更难”的两难问题？
◆如何实现销售最大化、回款最快化和坏帐最小化？
◆如何选择分销商和大客户才能避免赊销风险并如何建立客户的赊销档案？
◆如何应对客户拖延付款的理由？如何制定催帐策略？如何让呆帐起死回生？
◆如何提高信用意识和信用管理水平，以实现快速收款、增加现金流量？
世界级企业的实际操作方法已经证明，建立一套切合公司实际需要的信用管理体系能够有效地减少公司的呆帐、
坏帐,保障企业健康持续稳定发展。
预期效果：
清晰逾期应收账款的回收流程，加快欠款催收，挽回企业呆帐、坏帐损失；加强销售流程中各环节的信用管理，
规范合同及票据；了解完整的信用管理流程，培养营销人员的风险意识，协调财务人员与营销人员之间的矛盾。
-----------------------------------------------------------------------------------------
王强先生：中国杰出实战型信用管理顾问、成功的培训专家（该课程满意率为99%）。上海财经大学信用管理硕
士专业客座导师；中国商业技师协会全国职业培训与资格认证授权讲师；中国首批财商教育专家，原国内知名的
信用管理顾问公司首席顾问师，高级咨询顾问；曾就职于广州市商业银行及香港润轩首饰有限公司，涉足系统建
设、信贷控制、财务管理、公司全面管理等领域，均有建树。作为顾问式培训专家，王先生通过对数百家各类企
业的销售、信用、评估、商帐管理的咨询和接触，深刻剖析企业的信用管理案例，总结了非常丰富的企业信用管
理实际操作经验和培训经验，在企业信用分析和风险管理方面以及个人理财和财商教育方面有着深入的研究。同
时，也参与了各级政府的区域信用体系建设咨询工作、数十家大型上市公司信用管理体系建立的咨询工作、银行
体系的贷款评估体系建设工作。接受过王强先生培训指导的部分客户有：广东太古可口可乐、广州百事可乐、松
下万宝压缩机、三菱电机、葛兰素史克（重庆）、日立（中国）、、中国网通、中石化集团等几百家企业5000多
学员，均受到客户的一致赞扬。
---------------------------------------------------------------------------------------------
一、透视应收帐款的本质；
1．何谓应收账款
---应收账款的两大特点
---不同角度的应收账款认知
2．应收账款管理的目的
---坏帐对销售的影响
---帐款拖延对企业利润的影响
二、逾期账款的催收思路和技巧；
1．企业债务的特性
---企业为什么会产生欠款
---企业的债务存在怎样的矛盾
2．赊销客户的分析
---欠款客户的分类
---客户欠款的两大根本要素
---客户拒绝付款的借口
3．企业催收政策
---企业如何自行催收拖欠的款项
---企业催收的各种方法：电话、信函、面访等
4．欠款成功回收的因素
---增加催收效果的方法
---怎样才能令客户按时付款
5．企业追账的原则
---四项追账原则
---商业追账的各种手段
---企业追账的法律手段
三、应收账款管理的方法及实施；
1．应收账款跟踪管理方法
---发货前的准备工作
---库存管理、送货和发货控制
---账单管理系统
2．应收账款管理具体操作
---RPM过程监控制度
---DSO法：影响DSO的因素、计算DSO的三种方法、如何改善你的DSO
---A/R的总量控制法：使企业的应收账款处于合理水平
---A/R帐龄管理法：制作帐龄记录表、帐龄结构分析、帐龄二维象限图法、帐龄分级管理
3．账款难以回收的危险信号
---客户拖欠十大危险信号
四、合同管理及票据管理；
1．如何保障公司债权
---保障公司债权的各种文书有哪些
---保障公司债权的三大重要文件
2．合同管理注意的细节
---怎么样的合同才有效
---签订合同时需要注意的细节
3．票据管理系统
---发票的管理
---月结单的管理
4．授权委托书的管理
---授权委托书的作用
---什么情况下需要签订授权委托书
5．其他管理工具介绍
五、客户信息的获得渠道及使用；
1．预防商业欺诈
---常见的商业欺诈手段
---如何防范商业欺诈
2．信用管理客户的分类
---不同的管理角度对客户分类依据不同
---信用管理客户分类的依据
3．新客户所关注的信息点
---体现合法性的信息
---体现资本实力的信息
---体现业务发展潜力的信息
4．老客户所关注的信息点
---体现各种变动状况的信息
---体现资本周转状况的信息
---体现交易记录的信息
5．核心客户所关注的信息点
---核心客户的特点
---管理核心客户的要诀
6．各种信息的来源和使用
---如何建立企业内部信息管理系统
---如何有效利用第三方征信资源
六、信用评估技术与方法；
1．信用评估分析框架
---可比性
---信用评估的三阶段十步骤
2．财务分析
---财务报表体系构成
---经营活动在资产负债表的体现
---经营活动在损益表的体现
---经营活动在现金流量表的体现
---三张报表的勾稽关系
---客户偿债能力分析运用
---影响客户偿债能力的因素
---客户营运能力分析运用
---有效分析客户营运能力的方法
---客户获利能力分析运用
---有效分析客户获利能力的方法
3．信用评估的综合运用
---对赊销客户合理分类管理
---营运资产评估模型
---营运资产评估模型的用途
---特征分析评估模型
---特征分析评估模型的用途
---合理信用额度的估算公式
---合理信用期限的考虑因素
4．信用评估演练
---信息量化的手段
---客观评价加主观评价的运用
七、信用管理流程的思路和体系建设；
1．全程信用管理模式
---企业信用管理的三大误区
---信用管理职能的合理设置
2．信用管理人员的职责
---信用管理人员的素质要求
---信用管理人员的技能要求
3．信用管理体系的建立
---如何建立适合不同类型企业的信用管理体系
不同类型企业信用管理的特点
4．信用管理制度制订的方法
---信用管理制度制订的方法和步骤
===============================================================================
《收账款管理及信用风险控制与催收》报名回执表（请传真020-62351156）
参会单位名称：_______________________________________________________
参加地点：口上海 口深圳 口广州
联系人：______________电话:________________传真:________________
邮件：______________参会人数:_________人费用￥：_________元
参会人：___________所任职务：____________移动电话：_____________
参会人：___________所任职务：____________移动电话：_____________
参会人：___________所任职务：____________移动电话：_____________
参会人：___________所任职务：____________移动电话：_____________
付款方式（请选择打“√”）：□1、现金□2、转帐□3、电汇
====================================================================================
备注:请您把报名回执回传我司，为确保您报名无误,请您再次电话（020-80560638）确认!
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From: 2. <yua...@so...> - 2013-03-30 18:28:03
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<TABLE style="WIDTH: 99%" cellSpacing=0 cellPadding=0 background=http://mimg.126.net/p/images/letter/200709/vk_autumn_leave_topbg.jpg> <TBODY> <TR> <TD style="BACKGROUND-REPEAT: no-repeat; BACKGROUND-POSITION: 50% 0px; HEIGHT: 101px" background=http://mimg.126.net/p/images/letter/200709/vk_autumn_leave_mid.jpg></TD></TR></TBODY></TABLE> <TABLE style="BACKGROUND-COLOR: #fffdf3; WIDTH: 99%" cellSpacing=0 cellPadding=0> <TBODY> <TR> <TD style="PADDING-BOTTOM: 10px; PADDING-TOP: 15px"> <TABLE style="WIDTH: 95%" cellSpacing=0 cellPadding=0 align=center> <TBODY> <TR> <TD style="PADDING-BOTTOM: 0px; LINE-HEIGHT: 23px; PADDING-LEFT: 5px; PADDING-RIGHT: 5px; COLOR: #333; FONT-SIZE: 12px; PADDING-TOP: 0px" background=http://mimg.126.net/p/images/letter/200709/vk_autumn_leave_txtbg.jpg>ONT size=4> </FONT> <P></P> <P><FONT size=4> </FONT><FONT color=#008000 size=3> <FONT color=#ff00ff> { ^*本公司有<国~地>[税]，真伪确保。} </FONT></FONT></P> <P><FONT color=#008000 size=3>【(135-9019~6225）葉经理[q:631~873-449]】</FONT></P> <P><FONT color=#008000 size=4> </FONT></P></TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE> <TABLE style="WIDTH: 99%" cellSpacing=0 cellPadding=0 background=http://mimg.126.net/p/images/letter/200709/vk_autumn_leave_botbg.jpg> <TBODY> <TR> <TD style="BACKGROUND-REPEAT: no-repeat; BACKGROUND-POSITION: 100% 0px; HEIGHT: 145px" background=http://mimg.126.net/p/images/letter/200709/vk_autumn_leave_bot.jpg> </TD></TR></TBODY></TABLE>uJRaW |
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From: f. <fir...@to...> - 2012-12-18 04:28:49
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From: s. <spe...@to...> - 2012-12-07 21:00:10
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From: 百度游戏 <gam...@ba...> - 2012-11-21 01:12:30
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From: 请转有关人事 <es...@po...> - 2012-03-20 13:30:58
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销售数据分析-用数字说话
时间地点：2012年3月22-23日北京
时间地点：2012年3月24-25日上海
时间地点：2012年5月18-19日深圳
时间地点：2012年5月24-25日北京
时间地点：2012年5月26-27日上海
费 用：2600元/人（提供讲义、午餐、发票、茶点、赠送陈剑老师研发软件等）
授课对象：市场总监、市场分析人员、销售主管、销售总监及其他对营销数据分析有兴趣的人士
咨询电话：020-80560638；020-85917945 谢小姐
0755-61287552 陈小姐（不需要此类信件请回复电邮至tui...@12...退信）
本课程提供内训，欢迎来电咨询
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课程背景：市场营销是企业的命脉，然而，为数不少的的市场部、销售部工作人员
由于缺乏营销分析的概念和方法，企业累积的大量数据得不到有效的利用，营销分
析只停留在数据和信息的简单汇总和流水帐式的通报，缺乏对客户、业务、营销、
竞争方面的深入分析，结果决策者只能凭着本能的反应来运作，决策存在很大的失
误风险。本课程着眼于营销数据的分析和统计，教授如何挖掘数据背后的规律和隐
含的信息。通过学习本课程您将可以掌握营销数据分析的重要概念和高级技能，提
升科学管理和科学决策的水平。
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特别声明
为了保证培训效果，请携带笔记本电脑并安装Office，并为Excel加载分析工具库。
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课程大纲:
一、导言
互联网的高速发展加上市场竞争的加剧，使得数字化营销和精确营销进入了企业的视野，并引起了营销方式的巨大改变...
1.用数字说话
2.数字化营销新趋势
3.精确营销循环
4.实施营销数据分析的系统策划和实施
5.数据分析与挖掘工具简介
二、指标分析
指标分析是一种快速的企业绩效分析手段，是衡量企业健康状况的健康指标， 本节对各类指标进行深入解析，
并试图透视指标背后的隐含信息。
1.销售绩效的评估与考核
2.宏观市场指标
3.公司经营状况指标
4.客户相关指标
5.市场营销指标
6.对指标的细化分析，从数据的分布趋势深入分析指标
7.如何将指标分解到相关影响因子
8.案例演练
三、常规收据收集和指标统计
没有数据，营销分析就成了空中楼阁。本节介绍数据搜集的思路和方法，为营销分析奠定坚实的基础。
1.指标统计方法与来源格式
2.数据来源和收集途径
3.数据搜集工具和手段
4.数据表的规划和设计
5.数据的有效期和保鲜
6.将目标和KPI相连
四、竞争分析
企业总是在竞争中壮大，如果能提前预知竞争对手的信息和策略，企业更容易成功。
1.市场竞争的四个层次
2.如何界定竞争对手
3.竞争对手数据收集
4.需求的交叉弹性
5.品牌转换矩阵
6.行业竞争力分析
7.竞争分析矩阵
五、常用分析方法
数据分析需要有实际的方法和手段，以下的方法将贯穿在本课程中进行学习和演练。
1.方差分析
2.时间序列分析和对比分析
3.频数分析
4.多业务条件动态分类汇总
5.可视化分段与结构分析
六、市场调查与置信度分析
市场调研是合法获取数据的重要来源，也是快速了解市场反应的途径，本节讨论市场调查的策划和统计方法。
1.如何策划一次市场调查
2.常规调查方法和网上调查方法
3.如何进行进行统计学上有效的抽样调查
4.理解误差的来源分析
5.调研成本的策划与控制
6.如何对抽样结果进行统计
7.通过置信度分析计算调查误差
七、客户细分与精确营销
无差别的大众媒体营销已经无法满足零和的市场环境下的竞争要求。精确营销是现在及未来的发展方向，而客户细分是精确营销的基础。
1.精确营销大趋势
2.客户细分的价值
3.客户细分与“1对1营销”的区别
4.基于数据驱动的细分介绍
5.基于数据驱动的细分的几种方法
6.客户数据库分析的RFM指标
7.顾客的价值(VOC)测量
8.基于聚类细分方法的演练
9.细分结果的应用
八、商业预测技术
预测是企业重要的决策依据，企业通过预测技术可以估计下一季度、年度的市场规模、市场占有率、销售量等。
1.预测模型的类型概述
2.如何选择合适的预测模型
3.基于时间序列的一元回归预测，例如
i. 如何预测公司明年、后年的营业收入
ii. 如何预测新年度生产成本
4.多元回归分析：如何分析多个因素对目标值的影响程度，包含
i.如何建立多变量业务预测模型
ii.如何评估业务模型的有效性
iii.企业外部变量（例如经济宏观数据）的选择和过滤
iv.季节因素的时间序列回归分析
5.回归分析演练：如何预测新市场的规模及制定发展目标
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讲师介绍：陈剑老师: 信息化专家、IPMA认证项目经理、MCSE、MCDBA、经济分析师，从业经验丰富，
曾主持开发大型政府业务系统、银行办公系统、电信业务系统、工业自动化控制系统等，负责过OA、
ERP、BI系统的集成与实施。历任项目经理，技术总监，副总经理等职务、熟悉整公司营运管理，财
务管理、信息化管理、人事行政管理工作。
陈老师近期培训企业：东方航空、中国山移动、交银施罗德、金茂集团、东风汽车、雅芳、亚洲纸业、
亿道电子、纳贝斯克食品、南京广厦置业（集团）、天津嘉驰、上海汽轮机、伟巴斯特车顶供暖系统等企业。
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参会单位名称：_______________________________________________________
参加地点：口上海 口深圳 口北京
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From: Finnley J. <thr...@lo...> - 2010-03-27 20:26:29
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Ay? Any reason . . . why . . . sentence . . . should not be
pronounced?" From 1818 to 1820 {417} Gourlay had been having things "to
say," had been giving good and sufficient reasons
why sentence should not be pronounced! The question is repeated:
"Robert Gourlay stand
up! Have you anything to say?" The court waits,
Chief Justice Powell, bewigged and wearing his grandest manner, all
unconscious that the
scene is to go down to history with blot of ignominy against
_his_ name, not Gourlay's. Gourlay's face twitches, and he breaks into
shrieks of maniacal laughter. The petty persecutions of a provincial
tyranny have driven a man,
who is true patriot, out of his mind. As Gourlay drops out of Canada's
story here,
it may be added that the English government later pronounced the whole
trial an outrage, and Gourlay was invited back to Canada. If at this
stage a
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From: Cheap C. on www.nc46.c. <mon...@nd...> - 2010-03-07 16:44:27
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teste rs after ward spann ed synon ymous galax y appas siona to clamp ed ravel ing synop sis respo nse haugh ty fetis hize poper y tuboc urari ne wayla y trypt ic absce sses suber ising invit e traum atize nonch alant ly |
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From: Alfiero <par...@ro...> - 2010-01-14 11:54:03
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Rough thick shaggy eyebrows; a care-worn, smooth-shaven face, with a very broad intellectual brow, and a smile that somehow or other disarmed her suspicions. 'Are you--are you sure?' she faltered stupidly. 'Sure that my name is Thomas Lester, and that instead of being a tramp or burglar molesting a lonely woman, I am now respectfully soliciting admission into my own house? Yes, madam, I assure you on the honour of a gentleman that I am no impostor!' Agatha rose at once. 'Then please come in, and forgive my suspicions. I never heard of your return.' 'No,' he said, stepping inside and quietly taking a seat; 'I came back hurriedly, and did not wish my visit here to be known. That is why I chose to come down from London to-day, for I knew my respected brother would be safely and piously conducting his devotions in church. Have you m |
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From: Zayicek W. <do...@to...> - 2009-12-24 11:06:50
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her somewhat, but they are out on the wide plain again, without a spot in all the |
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From: Bobak <cro...@fl...> - 2009-12-06 09:15:47
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Hanging, and it requires an effort of the will--in fact, a summoning of the forces of feeling, thought and will--to stem the tide of change that has subconsciously set in. But, not only are we moved by authority, and tend toward channels of least resistance: _We are all influenced by our environments_. It is difficult to rise above the sway of a crowd--its enthusiasms and its fears are contagious because they are suggestive. What so many feel, we say to ourselves, must have some basis in truth. Ten times ten makes more than one hundred. Set ten men to speaking to ten audiences of ten men each, and compare the aggregate power of those ten speakers with that of one man addressing one hundred men. The ten speakers may be more logically convincing than the single orator, but the chances are strongly in favor of the one man's reaching a greater total effect, for the hundred men will radiate conviction and resolution as ten small |
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From: Perham <iro...@so...> - 2009-09-02 14:26:23
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Te nor on report credit. There you were! these English had no imagination. The Queen snapped her fingers and said: "Very willingly will I be your wife, my Osmund. But how do I know that I can trust you? Leicester would give a deal for me; he would pay any price for the pious joy of burning the Sorceress of Provence. And you are not wealthy, I suspect." "You may trust me, mon bel esper,"--his eyes here were those of a beaten child--"because my memory is better than yours." Messire Osmund Heleigh gathered his papers into a neat pile. "This room is mine. To-night I keep guard in the corridor, madame. We will start at dawn." When he had gone, Dame Alianora laughed contentedly. "Mon bel esper! my fairest hope! The man called me that in his verses--thirty years ago! Yes, I may trust you, my poor Osmund." So they set out at cockcrow. He had procured for himself a viol and a long falchion, and had somewhere got suitable clothes for the Queen; and in their aging but decent garb the two approached near enough to the appearance of what they desired to be th |
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From: Loffelbein T. <mep...@aa...> - 2009-08-31 08:58:03
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Tic, or like those hues produced by the interference of rays of light as seen in the colors of stars. Gorgeous as are these phenomena, they are also as transitory; and although the scene is repeated, it is with such subtile and such great changes as to remove it from the grasp of the painter who wishes to study his work wholly from Nature. |
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From: Signorelli A. <fi...@ka...> - 2009-08-30 18:11:47
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Ation characteristic of the lowlands. He stopped and tried to get his bearings. The country was unknown to him, but he believed he knew the general lay of the ridges and the water-courses. The fourth day found Isaac hopelessly lost in the woods. He was famished, having eaten but a few herbs and berries in the last two days; his buckskin garments were torn in tatters; his moccasins were worn out and his feet lacerated by the sharp thorns. Darkness was fast approaching when he first realized that he was lost. He waited hopefully for the appearance of the north star--that most faithful of hunter's guides--but the sky clouded over and no stars appeared. Tired out and hopeless he dragged his weary body into a dense laurel thicket end lay down to wait for dawn. The dismal hoot of an owl nearby, the stealthy steps of some soft-footed animal prowling round the thicket, and the mournful sough of the wind in the treetops kept him awake for hours, but at las |
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From: Gutterman <co...@sa...> - 2009-08-28 07:41:19
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E various forms of seductive "fancy work" being almost wholly ignored. In our exhibit at the Madison meeting of the National Educational Association last summer were numbers of aprons, dresses, shirts, etc., made by pupils, often of the primary grades; and one of the most noticed specimens was a neatly darned stocking. Even darning must be taught to these girls in school; there is no instructor at home. 2. _Cooking_ is much more widely understood by the colored mothers. Indeed, there is a sort of illusory tradition abroad that the negroes are a race of cooks; though, according to my observation, nothing could be farther from the truth. And cooking is only one part of _domestic economy_. Of this art as a whole, the colored women are densely ignorant. They know nothing of orderly housekeeping, of marketing, or of economy i |
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From: Leonberger <ran...@is...> - 2009-08-22 20:14:35
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Ter." * * * * * Illustrations to "The Bretons at Home." [Illustration: I SAW AND RECOGNIZED THE MYSTERIOUS MIDNIGHT VISITOR.] THE ARGOSY. _FEBRUARY, 1891._ THE FATE OF THE HARA DIAMOND. CHAPTER V. AT ROSE COTTAGE. On regaining my senses I found myself in a cozy little bed in a cozy little room, with an old gentleman sitting by my side gently chafing one of my hands--a gentleman with white hair and a white moustache, with a ruddy face and a smile that made me all in love with him at first sight. "Did I not say that she would do famously in a little while?" he cried, in a cheery voice that it did one good to listen to. "I believe the Poppetina has only been hoaxing us all this time: pretending to be half-drowned just to find out whether anyone would make a fuss about her. Is not that the truth, little one?" "If you please, sir, where am I? And are you a doctor?" I asked, faintly. "I am not a doctor, either of medicine or law," answered the white-haired gentleman. "I am Major Strickland, and this place is Rose Cottage--the magnificent mansion which I call my own. But you had better not talk, my dear--at least not just yet: not till the doctor himself has seen you." "But how did I get here?" I pleaded. "Do tell me that, please." "Simply thus. My nephew Geordie was out mooning on the bridge when he heard a cry for help. Next minute he saw you and your boat go over the weir. He rushed down to the quiet water at the foot of the falls, plunged in, and fished you out before you had time to get more than half-drowned. My housekeeper, Deborah, put you to bed, and here you are. But I am afraid that you have hurt yourself among those ugly stones that line the weir; so Geordie has gone off for the doctor, and we shall soon know how you really are. One question I must ask you, in order that I may send word to your friends. What is your name? and where do you live?" Before I could reply, the village doctor came bounding up the stairs three at a time. Five minutes sufficed him for my case. A good night's rest and a bottle of his mixture were all that was required. A few hours would see me as well as ever. Then he went. "And now for the name and address, Poppetina," said the smiling Major. "We must send word to papa and mamma without a moment's delay." "I have neither papa nor mamma," I answered. "My name is Janet Hope, and I come from Deepley Walls." "From Deepley Wal |
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From: Morsbach H. <lus...@et...> - 2009-08-20 18:04:04
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E hearty girl, but you are not exactly beautiful, Florry." Florence's eyes fell and a discontented look crossed her face. "How can I look decent in these clothes?" she said; "but there, never mind, you can't give me better, can you?" "I, darling! How could I? I have not fifty pounds a year when all is told, and I cannot do more with my money. It's your Aunt Susan who is to blame, Florence, and she is worse than ever. I'll tell you all about her to-morrow; we won't worry to-night, will we?" "No; let us think of only pleasant things to-night," said Florence. "Well, come down on the beach, Flo. I am all agog to hear your news. What is this about the Scholarship?" "Oh, Mummy, need we talk of this e |
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