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was the laconic reply, accompanied by a look that was compounded of a sigh and a wistful smile.

      “How’s that?” asked young Adams, glancing up into the other’s face and for the first time noticing its serious expression. “Don’t tell me you’ve struck a financial snag thus early in your Stock Exchange career.”

      “Several financial snags—and struck ‘em pretty badly too, I’m afraid.”

      “Whew!” exclaimed Adams.

      “Oh, I’m not down and out,” laughed Roderick, half amused at the look of utter discomfiture on his companion’s countenance. “Not by a long chalk! I’m in on several good deals, and six months from date will be standing on velvet. That is to say,” he added, somewhat dubiously, “if Uncle Allen opens up his money bags to tide me over meanwhile.”

      “A pretty big ‘if,’ eh?” For the moment there was sympathetic sobriety in the youth’s tone, but he quickly regained his cheerfulness. “However, he’ll come through probably all right, Rod, dear boy. It’s the older fellows’ privilege, isn’t it? My good dad has had the same experience, as you will no doubt have guessed. There, let me see; how long have you been away? Eight months! Gee! However, I have just gotten home myself. My old man was a bit furious at my tardiness in coming and the geometrical increase of my expense account. To do Los Angeles and San Francisco thoroughly, you know, runs into a pot of money. But now everything is fixed up after a fashion with no evidence in sight of further squalls.” He laughed the laugh of an overgrown boy laboring under the delusion that because he has finished a collegiate course he is a “man.”

      “Of course,” he continued with a swagger, “we chaps who put in four long years at college should not be expected to settle down without having some sort of a valedictory fling.”

      “There has not been much of a fling in my case,” protested Warfield. “I tackled life seriously in New York from the start.”

      “But got a tumble all the same,” grinned Adams. “However, there’s no use in pulling a long face—at least not until your Uncle Allen has been interviewed and judiciously put through his paces. Come now, let us get your things aboard.”

      The conversation was halted while the young owner of the big 60 H. P. car helped his chauffeur to stow away the luggage. “To the club,” he called out as he seated himself in the tonneau with his boyhood friend—college chum and classmate.

      “Not this morning!” exclaimed Roderick, shaking his head as he looked frankly and a bit nervously into the eyes of Whitley Adams. “No club for me until I have squared things up on the hill.”

      “Oh, well, just as you say; if it’s as bad as that, why of course—” He broke off and did not finish the sentence, but directed the chauffeur to the residence of Allen Miller, the banker.

      They rode a little way in silence and then Whitley Adams observed: “You’ve made a muddle of things, no doubt,” and he turned with a knowing look and a smile toward Roderick, who in turn flushed, as though hit.

      “No doubt,” he concurred curtly.

      “Then when shall I see you?” asked Whitley as the auto slowed down at the approach to the stately Miller home.

      “I’ll ‘phone you,” replied Roderick. “Think I can arrange to be at the club this evening.”

      “Very well,” said his friend, and a minute later he had whirled away leaving a cloud of dust in the trail of the machine.

      Roderick Warfield met with a motherly reception at the hands of his Aunt Lois, Mrs. Allen Miller. The greetings over and a score of solicitous questions by his Aunt Lois answered, he went to his room for a bath and a change of clothes. Then without further delay he presented himself at the bank, and in a few moments was closeted in the president’s private room with his uncle and guardian, Allen Miller.

      The first friendly greetings were soon followed by the banker skidding from social to business considerations. “Yes,” said Allen Miller, “I am glad to see you, Roderick, mighty glad. But what do you mean by writing a day ahead that a good big sum is required immediately, this without mention of securities or explanation of any kind?“ He held up in his hand a letter that ran to just a few niggardly lines. “This apology for a business communication only reached me by last night’s mail.”

      The kindly look of greeting had changed to one that was fairly flinty in its hardness. “What am I to expect from such a demand? A bunch of unpaid accounts, I suppose.” As he uttered this last sentence, there was a wicked twang in his voice—a suggestion of the snarl of an angry wolf ready for a fierce encounter. It at least proved him a financier.

      A flush of resentment stole over Roderick’s brow. His look was more than half-defiant. On his side it showed at once that there would be no cringing for the favor he had come to ask.

      But he controlled himself, and spoke with perfect calm.

      “My obligations are not necessarily disgraceful ones, as your manner and tone, Uncle, might imply. As for any detailed explanation by letter, I thought it best to come and put the whole business before you personally.”

      “And the nature of the business?” asked the banker in a dry harsh voice.

      “I am in a big deal and have to find my pro rata contribution immediately.”

      “A speculative deal?” rasped the old man.

      “Yes; I suppose it would be called speculative, but it is gilt-edged all the same. I have all the papers here, and will show them to you.” He plunged a hand into the breast pocket of his coat and produced a neatly folded little bundle of documents.

      “Stop,” exclaimed the banker. “You need not even undo that piece of tape until you have answered my questions. A speculative deal, you admit.”

      “Be it so.”

      “A mining deal, may I ask?”

      Roderick’s face showed some confusion. But he faced the issue promptly and squarely.

      “Yes, sir, a mining deal.”

      The banker’s eyes fairly glittered with steely wrathfulness.

      “As I expected. By gad, it seems to run in the blood! Did I not warn you, when you insisted on risking your meagre capital of two thousand dollars in New York instead of settling down with what would have been a comfortable nest egg here, that if you ever touched mining it would be your ruin? Did I not tell you your father’s story, how the lure of prospecting possessed him, how he could never throw it off, how it doomed him to a life of hardship and poverty, and how it would have left you, his child, a pauper but for an insurance policy which it was his one redeeming act of prudence in carrying?”

      “Please do not speak like that of my father,” protested Roderick, drawing himself up with proud

      The banker’s manner softened; a kindlier glow came into his eyes.

      “Well, boy, you know I loved your father. If your father had only followed my path he would have shared my prosperity. But it was not to be. He lost all he ever made in mining, and now you are flinging the little provision his death secured for you into the same bottomless pool. And this despite all my warnings, despite my stern injunctions so long as it was my right as your guardian to enjoin. The whole thing disgusts me more than words can tell.”

      Into the banker’s voice the old bitterness, if not the anger, had returned. He rose and restlessly paced the room. A silence followed that was oppressive. Roderick Warfield’s mind was in the future; he was wondering what would happen should his uncle remain obdurate. The older man’s mind was in the past; he was recalling events of the long ago.

      Roderick Warfield’s father and Allen Miller had as young men braved perils together in an unsuccessful overland trip when the great California gold rush in the early fifties occurred. At that time they were only boys in their ‘teens. Years afterward

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