DEAR MISS MANNERS: When my husband and I were visiting his childhood home, we had dinner with a couple he has known most of his life. The wife was a bridesmaid in his first wedding, when my husband was in college and met and married his first wife. It did not last long. He and I have been married 30 years.

The wife of this couple proceeded to tell us that my husband was not the first choice for a husband in his first marriage. Apparently, the woman was dating two men at the same time. She wanted to marry the other guy, but he married someone else instead. She ended up marrying my husband and of course divorcing after two years or so.

I was appalled at the story. Not that it happened but that this so called "friend" would tell it to us over dinner with other people at the table. I was shocked and still am.

I wanted to say something to her at the time but could think of nothing to properly tell her how rude she was in telling that story. We are supposed to see them again next month and I am dreading it. Please tell me what I should have said and what I can say to her next month. My husband thinks I am making too much of this but it makes me mad every time I think of it.

GENTLE READER: When this happened, you could have said, beaming at your husband, "I'm enormously grateful to her. She made it possible for me to have my first choice."

Miss Manners is only sorry that while that would have smoothed over the embarrassment, it would not have sufficiently taught discretion to your rude hostess. But anyway, that moment is past. If you must see them again, you could open the conversation by announcing cheerfully, "Mary Sue, this time we want to hear an embarrassing story about your past."

DEAR MISS MANNERS: My niece has begun a new career as a financial adviser with a well-known investment/brokerage house. She has been given extensive training and informed that she must produce a certain volume of business in a specified time to make the cut.

She emailed a copy of her "complimentary consultation/introductory bio" letter to her personal mailing list.

Alarms went off and I replied: "Most of us who have lived past our teen years have had the uncomfortable experience that a friend in a new sales career is looking at us as a possible client rather than as a friend. Try to avoid creating that feeling in your friends (they tend to last longer as friends that way)."

She is, I'm sure, offended. Just how far over the line have I gone?

GENTLE READER: All the way across contemporary thinking, to what Miss Manners hopes will eventually be out the other side.

You, Miss Manners, and civilized people believe that the best use of money is to support personal life. Others believe that the best use of personal life is to make more money.

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DEAR MISS MANNERS: We live in the South, where entertaining is allegedly more relaxed. However, sometimes I wonder about the mixture of styles that I see in dressier dinner table settings.

Can you explain the proper use of "chargers" on the table? When are they appropriate? What is their real use?

I think that they sometimes appear ostentatious when there is not really room for them or when the main course is not hot. I have been told that I am "old fashioned" to think that a place setting requires space instead of being crowded with every conceivable piece of china or silver or crystal that a hostess can provide.

GENTLE READER: Can we cross the people who say that with those who condemn hostesses as "old fashioned" if they use any table implements not made of paper or plastic?

Then, maybe, we would get guests who would keep their complaints to themselves. (Miss Manners trusts that you only thought your complaint and did not air it and thus provoke a counter-complaint.)

In any case, a charger is a service plate that is set at each place instead of the dinner plate, and thus hardly takes up any more room. A rimmed soup plate or a smaller plate with another first course may be set on top of it; then both are removed and replaced by the dinner plate for the main course.

From your reference to a hot main course, Miss Manners suspects that you and your critics are under the impression that the service plate remains as the bottom layer while the dinner plate is plopped on top of it. If so, you are all mistaken, which is another reason for you to refrain from criticizing one another.

DEAR MISS MANNERS: When we celebrated our 50th wedding anniversary, we had a marvelous time and our party was in the papers. We received many congratulatory cards with the newspaper clipping enclosed.

We did receive one quite different. The lovely card had a handwitten note of carefully selected congratulations with the following: "as you continue to celebrate this time in your life, if you haven't already done so, now may be the time to establish a family heritage by preplanning your final arrangements...."

She offered a 25 percent reduction and supplied her business card since she was the family advocate for a new local memorial cemetery.

We first thought it was very tacky, then laughed and thought she was quite enterprising. What do you think?

GENTLE READER: That you should not trust your "final arrangements" to someone whose idea of good taste is to congratulate you on your good fortune with the suggestion that it can't last much longer.

DEAR MISS MANNERS: What is the proper way for a child to address adult cousins?

I think it sounds inappropriate for my children to call them by their first name and awkward to call them Mrs. Smith or Mr. Jones. I had to deal with this growing up and was always told to address them as aunt or uncle in which they are not. Please help.

GENTLE READER: Certainly. They should be addressed as Cousin, as in "Cousin Hortense" and "Cousin Gregory." Miss Manners would invite you to ask her a harder question, but not if it involves how Cousin Hortense's son by her third marriage is related to Cousin Gregory's daughter's uncle on her father's side.

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DEAR MISS MANNERS: The other day, I was out to lunch with a friend and completely by accident spilled my entire glass of water on her not even three minutes into the meal.

I didn't know HOW to act, because even though I wouldn't have cared about it a bit if I'd spilled it on myself, she seemed distraught because the restaurant was heavily air-conditioned and the ice water on her lap made her colder. I apologized over and over again, and even offered to switch pants with her if she wanted (which she didn't). I felt completely helpless and humiliated.

Still, I couldn't help wondering if there's a tactful way to ever stop apologizing and possibly change the subject or move on. Is there a proper way to act in such a situation?

GENTLE READER: Yes, but unfortunately, the problem was in your friend's lap. As if she didn't have enough there with your ice water.

Miss Manners agrees that it eventually becomes time to move on. But the victim gets to call that signal. You have to keep apologizing until you exhaust her and she says (however grudgingly), "Oh, that's all right." That is the signal for you to get in one last "All right, but I feel terrible" and quit abasing yourself.

It does seem to be taking your friend a remarkably long time to realize that she can have either a cold lap and a tedious lunch or just a cold lap. Miss Manners would have thought that the offer of exchanging clothing would have been extreme enough to make her want to end the matter, but perhaps you should have offered to take her home for a change or to the Caribbean to dry out.

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