About ten o'clock
`` I presume , '' said Mrs. Bolton , `` that if he kept more of his money for himself , he could dress her better . '' `` Oh , that 's the way with these philanthropists , '' said Annie , thinking of Hollingsworth , in _ The Blithedale Romance _ , the only philanthropist whom she had really ever known , `` They are always ready to sacrifice the happiness and comfort of any one to the general good . '' Mrs. Bolton stood a moment , and then went out without replying ; but she looked as offended as Annie could have wished . About ten o'clock the bell rang , and she came gloomily into the study , and announced that Mrs. Munger was in the parlour . Annie had already heard an authoritative rustling of skirts , and she was instinctively prepared for the large , vigorous woman who turned upon her from the picture she had been looking at on the wall , and came toward her with the confident air of one sure they must be friends . Mrs. Munger was dressed in a dark , firm woollen stuff , which communicated its colour , if not its material , to the matter-of-fact bonnet which she wore on her plainly dressed hair . In one of her hands , which were cased in driving gloves of somewhat insistent evidence , she carried a robust black silk sun-umbrella , and the effect of her dress otherwise might be summarised in the statement that where other women would have worn lace , she seemed to wear leather .