from The Century Dictionary.
- noun A removable cover designed to be placed over the rim of a carriage-wheel to prevent the garments of persons who are entering or leaving the carriage from coming in contact with the wheel.
- noun A similar guard placed on the wheels of a bicycle.
Sorry, no etymologies found.
Then No. 12 is holding a bicycle, and the dress-guard and make disclose the fact that it is a lady's bicycle.