The younger daughter is seen, and heard, reading from an old (British?) children's book with a title that is partly "Blackie's ...", a popular publishing company in the 1930s and later specializing in children's anthologies. It may be from this old book (her father's family lived in the remote cottage for generations) that the younger daughter has learned about the Legend of the Christmas Stranger, and, when the young man comes around to collect the overdue mortgage payments, she is convinced he is their Christmas Stranger. However, the actual legend is never explained, and the traditional Legend is about a child who arrives at a house, cold and hungry, and is given warm hospitality, and eventually is revealed to be the Christ Child. The debt-collector is, more or less given a warm welcome, but is not the Christ Child, of course.