She says that explains her crudeness.

Her crude?
I should say not! They don't grow better manners right here in New York.

And she's pretty, and clever, and utterly naive about everything in New York.

Though I must say," Dick added, "that I'm not so keen about her cousin and her uncle.
I'd met the cousin a few times the last year or two around town; he belongs here.

The two are the sort of poor stock that crops out in every good family.