I wonder if Frances had been married when she was at the Victor Home? The reason why I'm asking is she would have been 30 years old you don't see too many women in the home for unwed mothers at that age they tend to be younger in their teens. If she was married and her husband left her she might go there because she couldn't care for the child. Did you find a border crossing for her for 1905 it might provide a little more info on why she was coming to Canada and if someone else was with her. I'm just wondering if Taylor might not be a maiden name.