four o'clock
`` Perhaps I should not have spoken with quite so much confidence , '' corrected the doctor . `` But the young lady to whom I refer had with her a music-roll upon the clasp of which the letters ` V. D. H. ' were engraved . '' `` That must have been Violet , '' said Mrs. Mencke . `` She went to the city that afternoon to take her music lesson at four o'clock . '' `` Then she was saved by a young man -- a Mr. Wallace Richardson -- in the recent accident on the inclined plane . Mr. Richardson was severely injured , but he has been able to give an account of how he prevented the young lady from being dashed to pieces like many of the other victims , '' Doctor Norton returned . He then proceeded to relate what Wallace had told him had occurred during those few horrible moments when that ill-fated car was plunging at such a fearful rate toward its doom .