Well, Nicola ends up with Ginty's white net with frills, and while it fits, Nicola herself neither likes it nor thinks it suits her. But that obviously isn't especially important.

No, it wasn't a question of the fees or a horse, but it was a question of emergency savings/funds or a horse. I'm not saying it wasn't Mrs. Marlow's to do with as she wished; just that I don't think it was a sensible expenditure. I'm not even sayiong she should have been sensible, for that matter.