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no command of money.

      "Very well, then. I shall proceed to get money, just as I should study to acquire skill in a profession, or just as I should read up the law pertaining to a matter with which I must deal.

      "I shall not learn to love money. That would degrade my soul. I shall regard money always as a means – a mere tool with which to do such work as I can in this great undeveloped country.

      "That also is something to be remembered. The era of development is just beginning. These men are nation builders, though they don't know it, or intend it, or care anything about that aspect of their activities. Their motives are the sordid impulses of greed and selfish ambition alone.

      "At least that is true of all of them except Captain Hallam. He is a man apart. His attitude is a peculiar one. He does not care for wealth in itself and yet he scrambles for it as greedily and as hungrily as the rest of them. Sometimes I think he regards the whole thing as a game which he enjoys playing with superior skill, just as one might with whist or chess. He likes to win, not for the sake of the winnings, but for the sake of the winning.

      "I must go to bed now. To-morrow I'll begin thinking out plans for getting money. One thing is sure. No man can get much money by working for any other man. The man who gets rich is he who hires other men to work for him for less than their work is worth. But it is only by working for another man that one can get the first little capital – the first rude but handy tool with which to achieve success. I'll go on working as a hired man till I get a little hoard together. After that – well, we shall see."

      Duncan was greatly admired but little understood by his fellows in the service of the Hallam firm, or by the similar people who thronged the town. His fellows, in and out of the office, were commonplace young men, all looking to the main chance alone and pursuing it with only such honesty of conduct as business prudence required. They felt no further interest in their work than such as was necessary to enable them to retain their places and their salaries.

      Therefore they did not understand Guilford Duncan. Neither could they. They regarded with amazement and almost with incredulity his manifestations of sensitive honor and of unselfish loyalty to duty. They thought of him as a sort of freak, or what we should nowadays call a crank.

      Of course they could not fail to recognize his ability, but they thought him a good deal of a fool, nevertheless, for not taking selfish advantage of the opportunities that so frequently came to him. They could not understand why he should go out of his way, as he very often did, to render services to the firm which were in no way required or expected of him. Especially they could not understand why, when he had rendered such services in a way to attract Captain Hallam's pleased attention he didn't "strike for something better," as they phrased their thought.

      In one especial case, their amazement over his neglect of an opportunity bred something like contempt of him in their minds. It was the practice of the Hallams to keep a fleet of heavily laden coal barges in a bend of the river above the town, bringing them down one by one to the coalyards at "The Point" below the city as they were needed. One day in the early winter, a coal gauger being off duty, Duncan volunteered to go up to the bend in his stead, and measure the coal in a great fleet of barges that had just arrived.

      He found the barges unsafely bestowed, and suggested to the captain of the Hallam yard tug boat that he should tow them into a securer anchorage. As night was at hand the captain of the tug refused, saying that he would attend to the matter on the morrow.

      That night the first storm of the winter broke upon the river, lashing it to fury, and threatening with destruction every species of craft that might venture away from moorings.

      About midnight one of Duncan's bedroom windows was blown in, scattering glass and fragments of sash over his bed, and startling him out of sleep.

      Instantly the thought of the exposed coal barges flashed into his mind. He knew that they were utterly unfit to ride out a storm, being nothing more than great oblong boxes, loaded nearly to their gunwales with coal. He remembered, too, the exposed position in which they had been left for the night.

      Hastily drawing on his clothing he hurried to the landing place of the yard tug. He found no preparations making there for any attempt to save the barges and their enormously rich cargoes, or even to rescue the helpless men who had been left on board of them. The engineer of the tug, who always slept on board, was there, and so were the two deck hands and the fireman, but the fires were banked, and the captain had not responded to the duty call of the tempest.

      As the immediate representative and chief lieutenant of Captain Hallam, Guilford Duncan was recognized as a man somewhat entitled to give orders. On this occasion he promptly assumed so much more of authority as did not strictly belong to him.

      He instantly ordered the engineer to get up steam. He directed one of the two deck hands to go hurriedly to the tug captain's bedroom and order him to come to the tug at once.

      As he rattled off his orders for putting cable coils aboard, placing all fenders in position, battening down the hatches, and doing all else that might render the tug fitter for the perilous service that he intended to exact of her, his voice took on the old ring of battle, and his commands came quick, sharp, and penetrating from his set lips, like those of an officer placing guns in position for a desperate fight.

      The captain, who was also sole pilot of the tug, so far obeyed the order sent to him as to come to the tug landing. But when he looked out upon the storm-lashed river, he positively refused to obey Duncan's order to go to the wheel.

      "I'll never take the tug out in such a storm as this," he said doggedly.

      "But think, man! There are twenty men or more up there on those coal barges, whose lives simply must be saved. And there is a hundred thousand dollars' worth of coal there that may go to the bottom any minute."

      "I can't help that. I tell you the tug couldn't live a minute in such a storm."

      "In other words," answered Duncan with measureless contempt in his tone, "you are a miserable coward, a white-livered wretch, whose life wouldn't be worth saving if it were in danger. Go back to your bed! Go to sleep! or go to hell, damn you, for the cowardly whelp that you are!"

      Then turning to the engineer and the two deck hands, he asked hoarsely:

      "Will you men stand to your duty while I go to the wheel?"

      "We're with you while she floats, cap'n," said the engineer. "I always did hate a coward."

      "Have you got steam enough?"

      "Yes, a hundred and fifty pounds pressure to the square inch, and she'll need it all."

      "All right. Cast her off," commanded Duncan as he stepped to his post in the pilot house.

      He knew, of course, that he was taking terrible risks. Having no pilot's license he had no legal right to be at the wheel. Should disaster overtake the tug he would be personally liable for the insurance forfeited by his act in taking her out in contravention of the judgment of her captain and pilot. Worse still, should any life be lost in the adventure, Guilford Duncan would be held to answer for manslaughter.

      Well-educated lawyer that he was, he knew all these facts. He perfectly understood the fearful responsibilities he was taking upon himself. Yet he faltered not nor failed. There was no moment's hesitation in his mind. There were lives in peril up there in the bend, and a vast property exposed to destruction. There was a chance that by taking these risks he might save both. All that is best in the soul-impulse of the soldier was his inspiration. He would do his duty – though that duty was in no wise his except as he had made it his – and let consequences look out for themselves.

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