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Frank, I hope you can do that often,” she said.

      “I hope so, too, ma,” was his reply.

      Auction sales were not every day, however, and his home grocer was open to the transactions not every time, but from the very first young Cowperwood knew how to make money.

      He took subscriptions for a boys' paper; sold a new kind of ice-skate, and once organized a band of neighborhood youths into a union for the purpose of purchasing their summer straw hats. It was not his idea that he could get rich by saving. From the first he had the notion that spending was better.

      It was in this year, or a little earlier, that he began to take an interest in girls. Being good-looking and magnetic himself, it was not difficult for him to attract the sympathetic interest of those in whom he was interested. A twelve-year old girl, Patience Barlow[19], who lived nearby, was the first to attract his attention or be attracted by him. She was a Quakeress, the daughter of Quaker parents. However, she liked this self-reliant, self-sufficient, straight-spoken boy.

      One day, after an exchange of glances from time to time, he said, with a smile and the courage that was innate in him: “You live nearby, don't you?”

      “Yes,” she replied, a little flustered, “I live at number one-forty-one.”

      “I know the house,” he said. “I've seen you go in there. You go to the same school my sister does, don't you? Aren't you Patience Barlow?” He had heard some of the boys speak her name.

      “Yes. How do you know?”

      “Oh, I've heard,” he smiled. “I've seen you. Do you like licorice?”

      He fished in his coat and pulled out some fresh sticks.

      “Thank you,” she said, sweetly, taking one.

      “Don't you know my sister, Anna Cowperwood?” he recurred. “She's in a lower grade than you are, but I thought maybe you might have seen her.”

      “I think I know who she is. I've seen her coming home from school.”

      “I live right over there,” he confided, pointing to his own home, as if she didn't know.

      “Do you know Ruth Merriam[20]?” she asked.

      “No, why?”

      “She's giving a party next Tuesday.”

      “Where does she live?”

      “There in twenty-eight.”

      “I'd like to go,” he affirmed, warmly.

      “Maybe she'll invite you, I'll ask her.”

      “Thanks,” he smiled.

      And she began to run gayly onward.

      He looked after her with a smiling face. She was very pretty. He felt a keen desire to kiss her.

      This was just one of the early love affairs, or puppy loves. Patience Barlow was kissed by him many times before he found another girl – Dora Fitler[21], when he was sixteen years old and she was fourteen; and Marjorie Stafford[22], when he was seventeen and she was fifteen. Dora Fitter was a brunette, and Marjorie Stafford was fair, with bright-red cheeks, bluish-gray eyes, and flaxen hair.

      It was at seventeen that he decided to leave school. He had not graduated. He had had enough. Ever since his thirteenth year his mind had been on finance. His Uncle Seneca had allowed him to act as assistant weigher at the sugar-docks in Southwark. In certain emergencies he was called to assist his father, and was paid for it. He even made an arrangement with Mr. Dalrymple to assist him on Saturdays; but when his father became cashier of his bank, receiving an income of four thousand dollars a year, shortly after Frank had reached his fifteenth year, it was self-evident that Frank could no longer continue in such lowly employment.

      Just at this time his Uncle Seneca, again back in Philadelphia and stouter and more domineering than ever, said to him one day:

      “Now, Frank, if you're ready for it, I think I know where there's a good opening for you. There won't be any salary in it for the first year, but they'll probably give you something as a gift at the end. Henry Waterman & Company might make a place for you as a bookkeeper.”

      Uncle Seneca was married now, having, because of his wealth, attracted the attention of a poor but ambitious matron.

      This offer of Uncle Seneca to get him in with Waterman & Company seemed to Frank quite reasonable. So he came to that organization at 74 South Second Street one day in June, and was cordially received by Mr. Henry Waterman. He looked him over critically. Yes, this boy might do, he thought. He would like to try.

      “I like that fellow,” Henry Waterman confided to his brother the moment Frank had gone. “He's clean, brisk, and alive.”

      “Yes,” said George, a much leaner and slightly taller man. “Yes, he's a nice young man. It's a wonder his father doesn't take him in his bank.”

      “Well, he may not be able to,” said his brother. “He's only the cashier there.”

      “That's right.”

      “Well, we'll give him a trial. I bet anything he makes good.”

      Something told him the boy would do well.

      Chapter IV

      The appearance of Frank Cowperwood at this time was prepossessing and satisfactory. He was about five feet ten inches tall. His head was large, shapely, his eyes were inscrutable. You could tell nothing by his eyes. He walked with a light, confident, springy step. He saw people richer than himself, but he hoped to be rich. His family was respected, his father well placed. He owed no man anything.

      He turned out to be the most efficient clerk that the house of Waterman & Co. had ever known. They put him on the books at first as assistant bookkeeper, and in two weeks George said: “Why don't we make Cowperwood head bookkeeper?”

      “All right, make the transfer, George, but he won't be a bookkeeper long, though.”

      The books of Messrs. Waterman & Co were child's play to Frank. He went through them with an ease and rapidity which surprised his erstwhile superior, Mr. Sampson.

      “Why, that fellow,” Sampson told another clerk on the first day he had seen Cowperwood work, “he's too brisk. Hes going to make a bad break.[23] I know that kind. Wait a little bit.”

      But the bad break Mr. Sampson anticipated did not materialize. In less than a week Cowperwood knew the financial condition of the Messrs. Waterman very well. He knew how their accounts were distributed; from what section they drew the most business; who sent poor produce and good. Bookkeeping did not interest him much. He knew he would not do this long.

      The Watermans, Henry and George, were greatly pleased with the way he handled their accounts. There was a sense of security in his very presence. He soon began to call George's attention to the condition of certain accounts, making suggestions as to their possible liquidation or discontinuance.

      One morning, when bills indicated a probable glut of flour and a shortage of grain, the elder Waterman called him into his office and said:

      “Frank, I wish you would see what you can do with this condition that confronts us. By tomorrow we're going to be overcrowded with flour. We can't be paying storage charges. We're short on grain. Maybe you could trade out the flour to some of those brokers and get me enough grain to fill the orders.”

      “I'd like to try,” said his employee.

      Frank knew from his books where the various commission-houses were. He knew the local merchants and the various commission-merchants. This was the thing he liked to do. It was pleasant to be out in the air again. He objected to desk work and pen work and poring over books.

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