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- Теодор Драйзер
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A
man
might
buy
or
accept
them
in
foreclosure
,
but
he
had
a
long
wait
.
Also
,
in
the
final
payment
of
most
of
them
favoritism
ruled
,
for
it
was
only
when
the
treasurer
knew
that
certain
warrants
were
in
the
hands
of
"
a
friend
"
that
he
would
advertise
that
such
and
such
warrants
--
those
particular
ones
that
he
knew
about
--
would
be
paid
.
What
was
more
,
the
money
system
of
the
United
States
was
only
then
beginning
slowly
to
emerge
from
something
approximating
chaos
to
something
more
nearly
approaching
order
.
The
United
States
Bank
,
of
which
Nicholas
Biddle
was
the
progenitor
,
had
gone
completely
in
1841
,
and
the
United
States
Treasury
with
its
subtreasury
system
had
come
in
1846
;
but
still
there
were
many
,
many
wildcat
banks
,
sufficient
in
number
to
make
the
average
exchange-counter
broker
a
walking
encyclopedia
of
solvent
and
insolvent
institutions
.
Still
,
things
were
slowly
improving
,
for
the
telegraph
had
facilitated
stock-market
quotations
,
not
only
between
New
York
,
Boston
,
and
Philadelphia
,
but
between
a
local
broker
's
office
in
Philadelphia
and
his
stock
exchange
.
In
other
words
,
the
short
private
wire
had
been
introduced
.
Communication
was
quicker
and
freer
,
and
daily
grew
better
.
Railroads
had
been
built
to
the
South
,
East
,
North
,
and
West
.
There
was
as
yet
no
stock-ticker
and
no
telephone
,
and
the
clearing-house
had
only
recently
been
thought
of
in
New
York
,
and
had
not
yet
been
introduced
in
Philadelphia
Instead
of
a
clearing-house
service
,
messengers
ran
daily
between
banks
and
brokerage
firms
,
balancing
accounts
on
pass-books
,
exchanging
bills
,
and
,
once
a
week
,
transferring
the
gold
coin
,
which
was
the
only
thing
that
could
be
accepted
for
balances
due
,
since
there
was
no
stable
national
currency
.
"
On
'
change
,
"
when
the
gong
struck
announcing
the
close
of
the
day
's
business
,
a
company
of
young
men
,
known
as
"
settlement
clerks
,
"
after
a
system
borrowed
from
London
,
gathered
in
the
center
of
the
room
and
compared
or
gathered
the
various
trades
of
the
day
in
a
ring
,
thus
eliminating
all
those
sales
and
resales
between
certain
firms
which
naturally
canceled
each
other
.
They
carried
long
account
books
,
and
called
out
the
transactions
--
"
Delaware
and
Maryland
sold
to
Beaumont
and
Company
,
"
"
Delware
and
Maryland
sold
to
Tighe
and
Company
,
"
and
so
on
.
This
simplified
the
bookkeeping
of
the
various
firms
,
and
made
for
quicker
and
more
stirring
commercial
transactions
.
Seats
"
on
'
change
"
sold
for
two
thousand
dollars
each
.
The
members
of
the
exchange
had
just
passed
rules
limiting
the
trading
to
the
hours
between
ten
and
three
(
before
this
they
had
been
any
time
between
morning
and
midnight
)
,
and
had
fixed
the
rates
at
which
brokers
could
do
business
,
in
the
face
of
cut-throat
schemes
which
had
previously
held
.
Severe
penalties
were
fixed
for
those
who
failed
to
obey
.
In
other
words
,
things
were
shaping
up
for
a
great
'
change
business
,
and
Edward
Tighe
felt
,
with
other
brokers
,
that
there
was
a
great
future
ahead
.
The
Cowperwood
family
was
by
this
time
established
in
its
new
and
larger
and
more
tastefully
furnished
house
on
North
Front
Street
,
facing
the
river
.
The
house
was
four
stories
tall
and
stood
twenty-five
feet
on
the
street
front
,
without
a
yard
.
Here
the
family
began
to
entertain
in
a
small
way
,
and
there
came
to
see
them
,
now
and
then
,
representatives
of
the
various
interests
that
Henry
Cowperwood
had
encountered
in
his
upward
climb
to
the
position
of
cashier
.
It
was
not
a
very
distinguished
company
,
but
it
included
a
number
of
people
who
were
about
as
successful
as
himself
--
heads
of
small
businesses
who
traded
at
his
bank
,
dealers
in
dry-goods
,
leather
,
groceries
(
wholesale
)
,
and
grain
.
The
children
had
come
to
have
intimacies
of
their
own
.
Now
and
then
,
because
of
church
connections
,
Mrs.
Cowperwood
ventured
to
have
an
afternoon
tea
or
reception
,
at
which
even
Cowperwood
attempted
the
gallant
in
so
far
as
to
stand
about
in
a
genially
foolish
way
and
greet
those
whom
his
wife
had
invited
.
And
so
long
as
he
could
maintain
his
gravity
very
solemnly
and
greet
people
without
being
required
to
say
much
,
it
was
not
too
painful
for
him
.
Singing
was
indulged
in
at
times
,
a
little
dancing
on
occasion
,
and
there
was
considerably
more
"
company
to
dinner
,
"
informally
,
than
there
had
been
previously
.
And
here
it
was
,
during
the
first
year
of
the
new
life
in
this
house
,
that
Frank
met
a
certain
Mrs.
Semple
,
who
interested
him
greatly
.
Her
husband
had
a
pretentious
shoe
store
on
Chestnut
Street
,
near
Third
,
and
was
planning
to
open
a
second
one
farther
out
on
the
same
street
.
The
occasion
of
the
meeting
was
an
evening
call
on
the
part
of
the
Semples
,
Mr.
Semple
being
desirous
of
talking
with
Henry
Cowperwood
concerning
a
new
transportation
feature
which
was
then
entering
the
world
--
namely
,
street-cars
.
A
tentative
line
,
incorporated
by
the
North
Pennsylvania
Railway
Company
,
had
been
put
into
operation
on
a
mile
and
a
half
of
tracks
extending
from
Willow
Street
along
Front
to
Germantown
Road
,
and
thence
by
various
streets
to
what
was
then
known
as
the
Cohocksink
Depot
;
and
it
was
thought
that
in
time
this
mode
of
locomotion
might
drive
out
the
hundreds
of
omnibuses
which
now
crowded
and
made
impassable
the
downtown
streets
.
Young
Cowperwood
had
been
greatly
interested
from
the
start
.
Railway
transportation
,
as
a
whole
,
interested
him
,
anyway
,
but
this
particular
phase
was
most
fascinating
.
It
was
already
creating
widespread
discussion
,
and
he
,
with
others
,
had
gone
to
see
it
.
A
strange
but
interesting
new
type
of
car
,
fourteen
feet
long
,
seven
feet
wide
,
and
nearly
the
same
height
,
running
on
small
iron
car-wheels
,
was
giving
great
satisfaction
as
being
quieter
and
easier-riding
than
omnibuses
;
and
Alfred
Semple
was
privately
considering
investing
in
another
proposed
line
which
,
if
it
could
secure
a
franchise
from
the
legislature
,
was
to
run
on
Fifth
and
Sixth
streets
.
