"To be sure we find pinned to our cushions on Saturday nights a grayish slip of paper, uncertain of size and ragged of edge, stating with characteristic New England brevity and conciseness the amount of our indebtedness to our hostess; but what of that? The guests in those stately villas whose lights twinkle at us on clear evenings from the point along the coast, have their scores to settle likewise, and though the account is rendered less regularly, it is settled less easily and for my part, I prefer our Nepaug plan."