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's birth, but ten years later, Mr. Henry Worthington Cowperwood[3] became a promoted teller[4]. At once he told his wife to remove his family to a much better neighborhood, where there was a nice brick house of three stories. There was the probability that some day they would come into something even better, but for the present this was sufficient.

      Henry Worthington Cowperwood was a man who believed only what he saw. He was at this time a significant figure – tall, lean, inquisitorial, clerkly – with nice, smooth whiskers coming to almost the lower lobes of his ears. He had a long, straight nose and a chin that tended to be pointed. His eyebrows were bushy, and his hair was short and smooth and nicely parted. He always wore a frock-coat and a high hat[5]. And he kept his hands and nails immaculately clean.

      Being ambitious to get ahead socially and financially, he was very careful of whom or with whom he talked. He was much afraid of expressing a rabid or unpopular political or social opinion, though he had really no opinion to express.

      Mrs. Cowperwood was a small religious woman, with light-brown hair and clear, brown eyes, who had been very attractive in her day, but had become rather prim and inclined to take very seriously the maternal care of her three sons and one daughter.

      Frank Cowperwood, even at ten, was a natural-born leader. He was a sturdy youth, courageous and defiant. From the very start of his life, he wanted to know about economics and politics. He cared nothing for books. He was a clean, stalky boy, with a bright, incisive face; large, clear, gray eyes; a wide forehead; short, bristly, dark-brown hair. He had an incisive, quick-motioned manner. He never had an ache or pain, and ruled his brothers with a rod of iron. “Come on, Joe!” “Hurry, Ed!” These commands were issued in no rough but always a sure way, and Joe and Ed came.

      He was always pondering. How did all these people get into the world? What were they doing here? Who started things? His mother told him the story of Adam and Eve, but he didn't believe it. There was a fish-market not so very far from his home, and there he liked to look at odd specimens of sea-life. One day he saw a squid and a lobster put in the tank, and in connection with them was witness to a tragedy which stayed with him all his life. The lobster was offered no food, as the squid was considered his rightful prey. The lobster leaped and grabbed the squid. The squid was too tired. It wasn't quick enough.

      “That's the way it has to be,” Frank commented to himself. “That squid wasn't quick enough.”

      The incident made a great impression on him. It answered in a rough way that riddle which had been annoying him so much in the past: “How is life organized?” Things lived on each other – that was it. Lobsters lived on squids and other things. What lived on lobsters? Men, of course!

      And what lived on men? he asked himself. Was it other men? Wild animals lived on men. And there were Indians and cannibals. And some men were killed by storms and accidents.

      He wasn't so sure about men living on men; but men did kill each other. How about wars and street fights?

      He went on home quite pleased.

      “Mother!” he exclaimed, as he entered the house, “He finally got him!”

      “Got who? What got what?” she inquired in amazement. “Go wash your hands.”

      “Why, that lobster got that squid!”

      “Well, that's too bad. What makes you take any interest in such things? Run, wash your hands.”

      But for days and weeks Frank thought of this event and of the life, for he was already pondering on what he should be in this world, and how he should get along. From seeing his father count money, he was sure that he would like banking; and Third Street, where his father's office was, seemed to him the cleanest, most fascinating street in the world.

      Chapter II

      The growth of young Frank Algernon Cowperwood was comfortable and happy. Buttonwood Street, where he spent the first ten years of his life, was a lovely place for a boy. It contained mostly small two and three-story red brick houses, there were trees in the street – plenty of them. The Cowperwoods, father and mother, were happy and joyous with their children. Henry Worthington Cowperwood's connections were increased as his position grew more responsible, and gradually he was becoming quite a personage[6]. He knew a number of the more prosperous merchants who dealt with his bank, the brokers knew him as representing a very sound organization, and while he was not considered brilliant mentally, he was known as a most reliable and trustworthy individual.

      Young Cowperwood was quite often allowed to come to the bank on Saturdays, when he would watch with great interest the deft exchange of bills. He wanted to know where all the types of money came from, why discounts were demanded and received, what the men did with all the money they received. His father, pleased at his interest, was glad to explain so that even at this early age – from ten to fifteen – the boy gained a wide knowledge of the condition of the country financially – what a State bank was and what a national one; what brokers did, and what stocks were. He began to see clearly what was meant by money as a medium of exchange. He was a financier by instinct. This medium of exchange, gold, interested him intensely. When his father explained to him how it was mined, he dreamed that he owned a gold mine. He was likewise curious about stocks and bonds.

      At home he listened to considerable talk of financial investment and adventure. He heard, for one thing, of a curious character by the name of Steemberger[7], a great beef speculator from Virginia, who was attracted to Philadelphia in those days by the hope of large and easy credits. Steemberger, so his father said, was close to Nicholas Biddle[8], Lardner[9], and others of the United States Bank, or at least friendly with them, and seemed to be able to obtain from that organization nearly all that he asked for. He was a big man, enormous, with a face, his father said, something like that of a pig; and he wore a high beaver hat and a long frock-coat which hung loosely about his big chest and stomach. He had managed to force the price of beef up to thirty cents a pound, causing all the retailers and consumers to rebel, and this was what made him so conspicuous.

      There was another man his father talked about – Francis J. Grund[10], a famous newspaper correspondent from Washington, who possessed the faculty of unearthing secrets of every kind, especially those relating to financial legislation. The secrets of the President and the Cabinet, as well as of the Senate and the House of Representatives, seemed to be open to him. Grund had been purchasing through one or two brokers large amounts of the various kinds of Texas debt certificates and bonds. The Republic of Texas, in its struggle for independence from Mexico, had issued bonds and certificates in great variety, amounting in value to ten or fifteen million dollars. Later, a bill was passed providing a contribution on the part of the United States of five million dollars, to be applied to the extinguishment of this old debt. Grund knew of this, and also of the fact that some of this debt was to be paid in full, and there was to be a false failure to pass the bill at one session in order to frighten off the outsiders who might have heard and begun to buy the old certificates for profit. He acquainted the Third National Bank with this fact, and of course the information came to Cowperwood. He told his wife about it, and so his son heard it, and his clear, big eyes glistened. He wondered why his father did not take advantage of the situation and buy some Texas certificates for himself. Frank realized that his father was too honest, too cautious, but when he grew up, he told himself, he was going to be a broker, or a financier, or a banker, and do some of these things.

      Just at this time there came to the Cowperwoods an uncle who had not previously appeared. He was a brother of Mrs. Cowperwood's – Seneca Davis[11] by name – solid, unctuous, five feet ten in height, with a big, round body, a round, smooth bald head, blue eyes, and sandy hair. He was well dressed according to standards prevailing in those days. Frank was fascinated by him at once. He

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