Hi again, BTee!
I don't know if this helps you, but I looked for FRANCES by searching for any FURNIVAL born in 1874 +/- 2 years for all years on the entire UK census. I found the following:
1891 census for Cheadle, Cheshire
FANNY FURNIVAL
age 16
born in Manchester
boarder
occupation: cotton winder
I could not find her anywhere on the 1901 census. Then I checked FreeBMD and found a FRANCES FURNIVAL who married REUBEN BENNETT in Stockport (MAR 1901 8a, 124). With that info, I found them on the 1901 census in Stockport, Cheshire. They had a daughter, age 9 days, named GRACE!!! Sounds right, doesn't it? Of course, the only way to be sure is to send for the marriage cert to determine whether her father is JOHN FURNIVAL the printer.
Good luck,
Kay in USA