LITMIR.BIZ

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& Co. were friendly to him. Jay Cooke, a rising banking personality, was a personal friend of his.

      Meanwhile he called on Mrs. Semple, and the more he called the better he liked her. There was no exchange of brilliant ideas between them; but he had a way of being comforting and social when he wished. He advised her about her business affairs in so intelligent a way that even her relatives approved of it. She came to like him, because he was so considerate, quiet, reassuring, and so ready to explain over and over until everything was quite plain to her. She could see that he was looking on her affairs quite as if they were his own, trying to make them safe and secure.

      “You’re so very kind, Frank,” she said to him, one night. “I’m awfully grateful. I don’t know what I would have done if it hadn’t been for you.”

      She looked at his handsome face, which was turned to hers, with childlike simplicity.

      “Not at all. Not at all. I want to do it. I wouldn’t have been happy if I couldn’t.”

      His eyes had a peculiar, subtle ray in them – not a gleam. She felt warm toward him, sympathetic, quite satisfied that she could lean on him.

      “Well, I am very grateful just the same. You’ve been so good. Come out Sunday again, if you want to, or any evening. I’ll be home.”

      It was while he was calling on her in this way that his Uncle Seneca died in Cuba and left him fifteen thousand dollars. This money made him worth nearly twenty-five thousand dollars in his own right, and he knew exactly what to do with it. A panic had come since Mr. Semple had died, which had illustrated to him very clearly what an uncertain thing the brokerage business was. There was really a severe business depression. Money was so scarce that it could fairly be said not to exist at all. Capital, frightened by uncertain trade and money conditions, everywhere, retired to its hiding-places in banks, vaults, teakettles, and stockings. The country seemed to be going to the dogs.[45] War with the South or secession was vaguely looming up in the distance. The temper of the whole nation was nervous. People dumped their holdings on the market in order to get money. Tighe discharged three of his clerks. He cut down his expenses in every possible way, and used up all his private savings to protect his private holdings. He mortgaged his house, his land holdings – everything; and in many instances young Cowperwood was his intermediary, carrying blocks of shares to different banks to get what he could on them.

      “See if your father’s bank won’t loan me fifteen thousand on these,” he said to Frank, one day, producing a bundle of Philadelphia & Wilmington shares. Frank had heard his father speak of them in times past as excellent.

      “They ought to be good,” the elder Cowperwood said, dubiously, when shown the package of securities. “At any other time they would be. But money is so tight. We find it awfully hard these days to meet our own obligations. I’ll talk to Mr. Kugel.” Mr. Kugel was the president.

      There was a long conversation – a long wait. His father came back to say it was doubtful whether they could make the loan. Eight per cent., then being secured for money, was a small rate of interest, considering its need. For ten per cent. Mr. Kugel might make a call-loan. Frank went back to his employer, whose commercial choler rose at the report.

      “For Heaven’s sake, is there no money at all in the town?” he demanded, contentiously. “Why, the interest they want is ruinous! I can’t stand that. Well, take ’em back and bring me the money. Good God, this’ll never do at all, at all!”

      Frank went back. “He’ll pay ten per cent.,” he said, quietly. Tighe was credited with a deposit of fifteen thousand dollars, with privilege to draw against it at once.[46] He made out a check for the total fifteen thousand at once to the Girard National Bank to cover a shrinkage there. So it went.

      During all these days young Cowperwood was following these financial complications with interest. He was not disturbed by the cause of slavery, or the talk of secession, or the general progress or decline of the country, except in so far asit affected his immediate interests. He longed to become astable financier; but, now that he saw the inside of the brokerage business, he was not so sure that he wanted to stay in it. Gambling in stocks, according to conditions produced by this panic, seemed very hazardous. A number of brokers failed. He saw them rush in to Tighe with anguished faces and ask that certain trades be canceled. Their very homes were in danger, they said. They would be wiped out, their wives and children put out on the street.

      This panic, incidentally, only made Frank more certain as to what he really wanted to do – now that he had this free money, he would go into business for himself. Even Tighe’s offer of a minor partnership failed to tempt him.

      “I think you have a nice business,” he explained, in refusing, “but I want to get in the note-brokerage business for myself. I don’t trust this stock game. I’d rather have a little business of my own than all the floor work in this world.”

      “But you’re pretty young, Frank,” argued his employer. “You have lots of time to work for yourself.” In the end he parted friends with both Tighe and Rivers. “That’s a smart young fellow,” observed Tighe, ruefully.

      “He’ll make his mark[47],” rejoined Rivers. “He’s the shrewdest boy of his age I ever saw.”

      Chapter VIII

      Cowperwood’s world at this time was of roseate hue. He was in love and had money of his own to start his new business venture. He could take his street-car stocks, which were steadily increasing in value, and raise seventy per cent. of their market value. He could put a mortgage on his lots and get money there, if necessary. He had established financial relations with the Girard National Bank – President Davison there having taken a fancy to him – and he proposed to borrow from that institution some day. All he wanted was suitable investments – things in which he could realize surely, quickly. He saw fine prospective profits in the street-car lines, which were rapidly developing into local ramifications.

      He purchased a horse and buggy about this time – the most attractive-looking animal and vehicle he could find – the combination cost him five hundred dollars – and invited Mrs. Semple to drive with him. She refused at first, but later consented. He had told her of his success, his prospects, his windfall of fifteen thousand dollars, his intention of going into the note-brokerage business. She knew his father was likely to succeed to the position of vice-president in the Third National Bank, and she liked the Cowperwoods. Now she began to realize that there was something more than mere friendship here. This erstwhile boy was a man, and he was calling on her. It was almost ridiculous in the face of things – her seniority, her widowhood, her placid, retiring disposition – but the sheer, quiet, determined force of this young man made it plain that he was not to be balked by her sense of convention.

      Cowperwood did not delude himself with any noble theories of conduct in regard to her. She was beautiful, with a mental and physical lure for him that was irresistible, and that was all he desired to know. No other woman was holding him like that. It never occurred to him that he could not or should not like other women at the same time. There was a great deal of palaver about the sanctity of the home. It rolled off his mental sphere like water off the feathers of a duck. He was not eager for her money, though he was well aware of it. He felt that he could use it to her advantage. He wanted her physically. He felt a keen, primitive interest in the children they would have. He wanted to find out if he could make her love him vigorously and could rout out the memory of her former life. Strange ambition. Strange perversion, one might almost say.

      In spite of her fears and her uncertainty, Lillian Semple accepted his attentions and interest because, equally in spite of herself, she was drawn to him. One night, when she was going to bed, she stopped in front of her dressing table and looked at her face and her bare neck and arms. They were very pretty. A subtle something came over her as she surveyed her long, peculiarly shaded hair. She thought of young Cowperwood, and then was chilled and shamed by the vision of the late Mr. Semple and the force and quality of public opinion.

      “Why do you come to see me so often?” she asked him when he called the following

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