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they?” Lydia wondered at the possibility. Presently she brought out, as a patently absurd supposition, “You don’t mean to say that Endbury people are wicked?”

      “Do you think that none but wicked people are written about in serious books? No; Lord, no! I don’t think they are wicked—just mistaken.”

      “What about? Now we’re getting warm. I’ll guess in a minute.”

      He looked a little sadly down at her bright, eager face. “I’m afraid you would never guess. It’s all gone into your blood. You breathe it in and out as you live, every minute.”

      “What? what? what? You can’t say it, you see, when it comes right down to the matter.”

      “Oh, yes, I can; I can ask you if it wouldn’t be a tragedy if they should all be killing themselves to get what they really don’t want and don’t need, and starving for things they could easily have by just putting out their hands.”

      Lydia’s blankness was immense.

      He said, with ironic triumph: “You see, when I do say it you can’t make anything out of it.” After this he turned for a time all his attention to his work.

      He had evidently reached a critical point in his undertaking. Lydia watched in silence the deft manipulations of his strong, brown fingers, wondering at the eager, almost sparkling, alertness with which he went from one step to another of the process that seemed unaccountably complicated to her. After he had finally lifted the heavy piece of wood into place, handling its great weight with assurance, and had submitted the joint to the closest inspection, he gave a low whistle of satisfaction with himself, and stepped back to get the general effect. As he did so he happened to glance at the girl, drooping rather listlessly on the stair. He paused instantly, with an exclamation of dismay.

      “No; I’m not going to cry,” Lydia told him with a very small smile, “but it would serve you right if I did.”

      The workman wiped his forehead and surveyed her in perplexity. “What, can I do for you?” he asked.

      “If you’re really serious in asking that,” said Lydia with dignity, “I’ll tell you. You can take for granted that I am not an idiot or a child and talk to me sensibly. Dr. Melton does. And you can tell me what you started out to—the real reason why you are a common carpenter instead of in the insurance business. Of course if you think it is none of my concern, that’s another matter. But you said you would.”

      Rankin looked a little abashed by the grave seriousness of this appeal, although he smiled at its form. “You speak as though I had my reason tied up in a package about me, ready to hand, out.”

      Lydia said nothing, but did not drop her earnest eyes.

      He thrust his hands into his pockets and returned this intent gaze, a new expression on his face. Then picking up a tool, and drawing a long breath, he said, with the accent of a man who takes an unexpected resolution: “Well, I will tell you.”

      He returned to his work, tightening various small screws under the railing, speaking, as he did so, in a reasonable, quiet tone, with none of the touch of badinage which had thus far underlain his manner to the girl. “It’s very simple—nothing romantic or sudden about it all. I did not like the insurance business as I saw it from the inside, and the more I saw of it, the less I liked it. I couldn’t see how I could earn my living at it and arrive at the age of forty with an honest scruple left. Not that the insurance business is, probably, any worse than any other—only I knew about it from the inside. So far as I could guess the businesses my friends were in weren’t very different. At least, I didn’t think I could improve things by changing to them. Also, it was going to grow more and more absorbing—or, at least, that was the way it affected the older men I knew—so that at forty I shouldn’t have any other interests than getting ahead of other people in the line of insurance.

      “Now, what was I to do about it? I can’t make speeches, and nobody but crack-brained soreheads like me would listen to them if I did. I’m not a great philosopher, with a cure for things. But I didn’t want to fight so hard to get unnecessary things for myself that I kept other people from having the necessaries, and didn’t give myself time to enjoy things that are best worth enjoying. What could I do? I bothered the life out of Dr. Melton and myself for ages before it occurred to me that the thing to do, if I didn’t like the life I was in, was to get out of it and do something harmless, at least, if I didn’t have gumption enough to think of something worth while, that might make things better.

      “I like the cabinet-maker’s trade, and I couldn’t see that practicing it would interfere with my growing all the honest scruples that were in me. Oh, I know that it’s the easiest thing in the world for a carpenter to turn out bad work for the sake of making a little more money every day; I haven’t any illusions about the sanctity of the hand-crafts. But, anyhow, I saw that as a maverick cabinet-maker I could be pretty much my own master. If I had strength of mind enough I could be honest without endless friction with partners, employers, banks, creditors, employés, and all the rest of the spider web of business life. At any rate, it looked as though there were a chance for me to lead the life I wanted, and I had an idea that if I started myself in square and straight, maybe after a little while I could see clearer about how to help other people to occupations that would let them live a little as well as make money, and let them grow a few scruples into the bargain.

      “You see, there’s nothing mysterious about it—nor interesting. Just ordinary. I’m living the way I do because I’m not smart enough to think of a better way. But one advantage of it is that I have a good deal of time to think about things. Maybe I’ll think of a way to help, later. And, anyway, just to look at me is proof that you don’t have to get ground up in the hopper like everybody else or shut the door of the industrial squirrel-cage on yourself in order not to starve. Perhaps that’ll give some cleverer person the courage to start out on his own tangent.”

      Lydia drew a long breath at the conclusion of this statement. “Well—” she said, inconclusively; “well!” After a pause she advanced, “My sister’s husband is in the insurance business.”

      “You see,” said the workman, drilling a hole with great rapidity, “you see I ought not to talk to you. I can’t without being impolite.”

      Lydia seemed in no haste to assure him that he had not been. She pulled absently a loose lock of hair—a little-girl trick that came back to her in moments of abstraction—and looked down at her feet. When she looked up, it was to say with a bewildered air, “But a man has to earn his living.”

      Rankin made a gesture of impatience, and stopped working to answer this remark. “A living isn’t hard to earn. Any healthy man can do that. It’s earning food for his vanity, or his wife’s, that kills the average man. It’s coddling his moral cowardice that takes the heart out of him. Don’t you remember what Emerson says—Melton’s always quoting it—‘Most of our expense is for conformity to other men’s ideas? It’s for cake that the average man runs in debt.’ He must have everything that anyone else has, whether he wants it or not. A house ever so much bigger and finer than he needs, with ever so many more things in it than belong there. He must keep his wife idle and card-playing because other men’s wives are. He must have his children do what everyone else’s children do, whether it’s bad for their characters or not. Ah! the children! That’s the worst of it all! To bring them up so that these futile complications will be essentials of life to them! To teach them that health and peace of mind are not too high a price for a woman to pay for what is called social distinction, and that a man must—if he can get it in no other way—pay his self-respect and the life of his individuality for what is called success—”

      Lydia broke in with a sophisticated amusement at his heat. “Why, you’re talking about Newport, or the Four Hundred of New York—if there is any such thing! The rest of America—why, any European would say we’re as primitive as Aztecs! They do say so! Endbury’s not complicated. Good gracious! A little, plain, middle-western town, where everybody that is anybody knows everybody else!”

      “No; it’s not complicated compared

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