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Other people's words swirled around her afterward … heartbroken … never recovered… shot himself… lost several fortunes… good thing he hadn't handled Elizabeth's money as well…. Outwardly, nothing changed for them after that, they lived in the same house, saw the same people. Kate still went to the same school, and within days after his death, she started third grade.

She felt as though she were in a daze for months afterward. The man she had so trusted and loved and looked up to, and who had so clearly adored her, had left them, without warning or explanation or any reason that Kate could fathom.

All she knew and could understand was that he was gone, and in all the profound ways that truly mattered, her life was forever changed. A major piece of her world had disappeared. And her mother was so distraught for the first few months that she all but disappeared from Kate's life. Kate felt as though she had lost two parents, not just one.

Elizabeth settled what was left of John's estate with their close friend and banker Clarke Jamison.

Like Elizabeth, his fortune and investments had survived the crash. He was quiet and kind and solid. His own wife had died years before of tuberculosis, he had no children of his own, and had never remarried. But within nine months of John Barrett's death, he asked Elizabeth to marry him. They were married fourteen months after John's death, in a small, private ceremony that included only themselves, the minister, and Kate, who watched with wide, solemn eyes. She was nine at the time."

"Over the years, it had proven to be a wise decision. Although she wouldn't have admitted it publicly, out of respect for her late husband, Elizabeth was even happier with Clarke than she had been with John. They were well suited, shared similar interests, and Clarke was not only a good husband to her, but a wonderful father to Kate. Clarke adored Kate, and she him. He worshiped her, protected her, and although they never talked about him, he spent all the ensuing years trying to make up to her for the father she had lost.

Clarke was quiet and solid and loving, and took pleasure in the spirit of joy and mischief that eventually rekindled in Kate. And after discussing it with both Elizabeth and Kate, he adopted her when she was ten. At first, Kate had worried that it would be disrespectful to her father, but she confessed to Clarke the morning of the adoption that it was what she wanted most in the world.