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When the lady of the house asked Elizabeth*, her attractive Upper East Side nanny, to step into her office to discuss "a delicate matter," she assumed it had something to do with the family's 14-year-old son and his schoolboy crush.

Not so. The financier's wife had another matter of the heart on her mind.

"You know how we've been trying for a baby, and we've been having some issues?" she asked the nanny, a 25-year-old English rose with a trim figure, blue eyes and a bachelor's degree. "We wondered if you would mind donating your eggs."

If advanced reproductive medicine had existed in the early 20th century, it's the kind of request the "downstairs" personnel of TV's Downton Abbey would have hopped to do. But nearly a century later in New York City, their modern-day equivalents are emboldened enough to say no.

Elizabeth politely declined the offer of a $30,000 cash bonus on top of her $100,000 annual salary if she went ahead with the egg-donor deal.

"I called on my British wit and made a joke about whether she...