Penny started to speak and then changed her mind. Mrs. Weems, the seamstress and her husband, all were gazing at her with deep reproach.

She realized that there was nothing she could say which would make them understand.

She arose and walked to the easel. The painting of Cousin David remained clearly visible. She touched it and then glanced at her finger which bore a streak of red.

The paint was still wet.

Penny stared at her finger a moment. Lifting her eyes she met the triumphant gaze of Al Gepper.

"Not even a skillful artist could have painted a picture so quickly," he said with a smirk. "Only a spirit would have the ability. You are dumbfounded, my little one?"

"No, just plain dumb," answered Penny. "I salute you, Mr. Gepper."

Without waiting for Mrs. Weems, she turned and went from the house.

"Now how _did_ he do it?" she muttered. "I saw everything and yet I am more in the dark than ever. But I am sure of one thing. Unless I work fast, Al Gepper is almost certain to obtain Mrs. Weems' inheritance."

CHAPTER 15 _HIDDEN MONEY_

One of Penny's first acts upon arriving home was to scan the telephone directory under the heading, Investment Firms. The three companies mentioned during the seance, White and Edwards, Brantwell, and Bierkamp, were unlisted.

"Evidently there are no such firms in Riverview," she reflected. "But why was Mrs. Weems advised to invest her money with one of them? It looks very suspicious to me!"

Not until after five o'clock did Mrs. Weems return from the Hodges'. She seemed rather upset, and when Penny tried to bring up the subject of the seance, said distantly:

"Please, Penny, I prefer not to discuss it. Your conduct was disgraceful."

"I apologize for grabbing at the ghost, Mrs. Weems. I only did it to prove that Al Gepper is a fraud."

"Your motives were quite apparent. One could not blame Mr. Gepper for being angry."

"Oh, Mrs. Weems," said Penny in desperation. "How can you be taken in by his smooth line? His one purpose is to obtain your money."

"You are very unjust," the housekeeper responded. "Today I tried to pay Mr. Gepper for the seance and he would not accept one penny."

"That's because he is playing for higher stakes."

"It's no use discussing the matter with you," Mrs. Weems shrugged. "You are prejudiced and will give the man credit for nothing."

"I give him credit for being very clever. Mrs. Weems, please promise that you'll not allow him to invest your money for you."

"I have no intention of doing so, Penny. It does seem to me that I should consider Cousin David's wishes in the matter. Very likely I shall abandon my plans for the western trip."

"And stay here with us?" Penny cried eagerly.

"No, I am thinking of going to a larger city and taking an apartment.

With my money invested in eight per cent securities, I should have a comfortable little income."

"Mrs. Weems, I've heard Dad say over and over that sound securities will not pay such a high rate of interest. Promise you won't invest your money until you've talked with him."

"You're always asking me to promise something or other," the housekeeper sighed. "This time I shall use my own judgment."

Realizing that further argument was only a waste of breath, Penny wandered outside to await her father. When he came, they sat together on the front porch steps, discussing the situation.

"I'll drop a word of advice to Mrs. Weems at the first opportunity,"

offered Mr. Parker. "If she is in the mood you describe, it would not be wise to bring up the subject tonight. She merely would resent my interference."

"What worries me is that I am afraid she may have told Al Gepper where the money is kept."

"Tomorrow I'll urge her again to deposit it in a bank. We'll do our best to protect her from these sharpers."

The publisher had been very much interested in Penny's account of the seance. However, he was unable to explain how the various tricks had been accomplished.

"Dad," Penny said thoughtfully, "you don't suppose there's any chance it wasn't trickery?"

"Certainly not! I hope you're not falling under this fellow's spell?"

"No, but it gave me a real shock when I saw Cousin David's face materialize on the canvas. It was the absolute image of him--or rather of a picture Mrs. Weems once showed me."

A startled expression came over Penny's face. Without explanation, she sprang to her feet and ran to the kitchen.

"Mrs. Weems," she cried, "did you ever get it back? Your picture!"

"What picture, Penny?" The housekeeper scarcely glanced up as she vigorously scrubbed carrots.

"I mean the one of Cousin David. You allowed a photographer to take it for enlargement."

"It hasn't been returned," Mrs. Weems admitted. "I can't imagine why the work takes so long."

"I think I can," announced Penny. "But you never would believe me if I told you, so I won't."

Racing to the porch, she revealed to her father what she thought had occurred. It was her theory that the agent who had called at the Parker home days earlier had in actuality been one of Al Gepper's a.s.sistants.

"Don't you see, Dad!" she cried. "The man obtained a picture of Cousin David, and probably turned it over to the medium." Her face fell slightly. "Of course, that still doesn't explain how the painting slowly materialized."

"Nor does it explain the ghost or the banjo. Penny, couldn't Gepper have painted the picture himself in the darkness?"

"There wasn't time, Dad. Besides, he held a flashlight on the painting.

No human hand touched it."

"You say, too, that the banjo was high overhead when it played?"

"That's right, Dad. Gepper couldn't have reached the strings. The instrument floated free in the air."

"Sounds fantastic."