Grace Livingston Hill 
The White Lady 

If there was one thing Constance Wetherill would not accept, it was pity. So when her family lost their fortune, she slipped away from town, determined to start a new life. And she succeeded wonderfully! Not only did she establish a thriving business, she discovered the wonder of service to Christ—and found love with a dedicated young minister.
Then the night of the great fire threatened to take it all away from her…