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Katherine Emerson, an Iowa girl hungry for the good things in life, leaves her small hometown and sets out for New York. En route, she is involved in a train wreck in which another woman is killed. Katherine finds the woman's purse and, among its contents, discovers an invitation for the woman to spend 6 months in an unoccupied luxury apartment in Manhattan. Katherine seizes this opportunity and sets up housekeeping in the elegant suite, living well and dressing in the newest fashions.