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Some
lots
of
his
in
West
Philadelphia
,
bought
three
years
before
,
had
increased
notably
in
value
.
His
street-car
holdings
,
augmented
by
still
additional
lots
of
fifty
and
one
hundred
and
one
hundred
and
fifty
shares
in
new
lines
incorporated
,
were
slowly
rising
,
in
spite
of
hard
times
,
from
the
initiative
five
dollars
in
each
case
to
ten
,
fifteen
,
and
twenty-five
dollars
a
share
--
all
destined
to
go
to
par
.
He
was
liked
in
the
financial
district
and
he
was
sure
that
he
had
a
successful
future
.
Because
of
his
analysis
of
the
brokerage
situation
he
had
come
to
the
conclusion
that
he
did
not
want
to
be
a
stock
gambler
.
Instead
,
he
was
considering
the
matter
of
engaging
in
bill-brokering
,
a
business
which
he
had
observed
to
be
very
profitable
and
which
involved
no
risk
as
long
as
one
had
capital
.
Through
his
work
and
his
father
's
connections
he
had
met
many
people
--
merchants
,
bankers
,
traders
.
He
could
get
their
business
,
or
a
part
of
it
,
he
knew
.
People
in
Drexel
&
Co.
and
Clark
&
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
do
n't
know
what
I
would
have
done
if
it
had
n't
been
for
you
.
"
She
looked
at
his
handsome
face
,
which
was
turned
to
hers
,
with
child-like
simplicity
.
"
Not
at
all
.
Not
at
all
.
I
want
to
do
it
.
I
would
n't
have
been
happy
if
I
could
n'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
,
tea-kettles
,
and
stockings
.
The
country
seemed
to
be
going
to
the
dogs
.
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
.
