Hi Oly
Lily was not short of a penny, she married even better (married Arthur Sidney Hayne's in London). She was on my wife's side, and as far as we know, she was only known as Lily, which is also on her marriage certificate. I did not have Marth's & Williams marriage details, so many thanks for that. I reckon it is correct because Lily was born in Sculcoates.
Perhaps Lily was in boarding school for the 1891?, but it does not answer the 1881 unless her age was wrong on the 1901 and she was born after 1881?. I do have her burial detail's so I will re-check the age at death.
Regards
David