At about the same second the new combination was falling eagerly and vigorously into conversation upon twelve topics at once.

"You can't do anything without you have a pull," was Silas Fox's fallacious theory of life, as summed up in the intimate friendship of the second bottle. "That's why I left New Jersey. I had a National Building and Loan a.s.sociation organized down there that would have been a public benefactor and a private joy; in business less than six months, and already nine hundred honest working-men paying in their dollar and a quarter a week; eleven hundred and fifty a week for us to handle, and the amount growing every month."

"That's a pretty good start," commented J. Rufus, considering the matter carefully as he eyed the stream of ascending bubbles in his hollow-stemmed gla.s.s. "No matter what business you're in, if you have a package of clean, new, fresh dollars every week to handle, some of it is bound to settle to the bottom; but there mustn't be too many to swallow the settlings."

"Six of us on the inside," mused the other. "Doc Turner, who sells real estate only to people who can't pay for it; Ebenezer Squinch, a lawyer that makes a specialty of widows and orphans and damage claims; Tom Fester, who runs the nicest little chattel-mortgage company that ever collected a life income from a five-dollar bill; Andy Grout, who has been conducting a prosperous instalment business for ten years on the same old stock of furniture; and Jim Christmas, who came in from the farm ten years ago to become a barber, shaving nothing but notes."

Young Wallingford sat lost in admiration.

"What a lovely bunch of citizens to train a growing young dollar; to teach it to jump through hoops and lay down and roll over," he declared. "And I suppose you were in a similar line, Judge?" he ventured.

"Nothing like it," denied the judge emphatically. "I was in a decent, respectable loan business. Collateral loans were my specialty."

"I see," said J. Rufus, chuckling. "All mankind were not your brothers, exactly, but your brothers' children."

"Making me the universal uncle, yes," admitted Mr. Fox, then he suddenly puffed up with pride in his achievements. "And I do say," he boasted, "that I could give any Jew cards and spades at the game and still beat him out on points. I reckon I invented big casino, little casino and the four aces in the p.a.w.n brokerage business. Let alone my gage of the least a man would take, I had it fixed so that they could slip into my place by the front door, from the drug-store on one side, from the junk-yard on the other, from the saloon across the alley in the rear, and down-stairs, from the hall leading to Doc Turner's office."

Lost in twinkling-eyed admiration of his own cleverness he lapsed into silence, but J. Rufus, eager for information, aroused him.

"But why did you blow the easy little new company?" he wanted to know.

"I could understand it if you had been running a local building-loan company, for in that the only salaried officer is the secretary, who gets fifty cents a year, and the happy home-builders pile up double compound interest for the wise members who rent; but with a national company it's different. A national building-loan company's business is to collect money to juggle with, for the exclusive benefit of the officers."

"You're a bright young man," said Mr. Fox admiringly. "But the business was such a cinch it began to get crowded, and so the lawmakers, who were mostly stock-holders in the three biggest companies, had a spasm of virtue, and pa.s.sed such stringent laws for the protection of poor investors that no new company could do any business. We tried to buy a pull but it was no use; there wasn't pull enough to go round; so I'm going to retire and enjoy myself. This country's getting too corrupt to do business in," and Mr. Fox relapsed into sorrowful silence over the degeneracy of the times.

When his sorrow had become grief--midway of another bottle--a house detective prevailed upon him to go to bed, leaving young Wallingford to loneliness and to thought--also to settle the bill. This, however, he did quite willingly. The evening had been worth much in an educational way, and, moreover, it had suggested vast, immediate possibilities. These possibilities might have remained vague and formless--mere food for idle musing--had it not been for one important circ.u.mstance: while the waiter was making change he picked some folded papers from the floor and laid them at Wallingford's hand. Opened, this packet of loose leaves proved to be a list of several hundred names and addresses. There could be no riddle whatever about this doc.u.ment; it was quite obviously a membership roster of the defunct building-loan a.s.sociation.

"The judge ought to have a duplicate of this list; a single copy's so easy to lose," mused Wallingford with a grin; so, out of the goodness of his heart, he sat up in his room until very late indeed, copying those pages with great care. When he sent the original to Mr. Fox's room in the morning, however, he very carelessly omitted to send the duplicate, and, indeed, omitted to think of remedying the omission until after Mr. Fox had left the hotel for good.

Oh, well, a list of that sort was a handy thing for anybody to have around. The names and addresses of nine hundred people naive enough to pay a dollar and a quarter a week to a concern of whose standing they knew absolutely nothing, was a really valuable curiosity indeed. It was pleasant to think upon, in a speculative way.

Another inspiring thought was the vision of Doc Turner and Ebenezer Squinch and Tom Fester and Andy Grout and Jim Christmas, with plenty of money to invest in a dubious enterprise. It seemed to be a call to arms. It would be a n.o.ble and a commendable thing to spoil those Egyptians; to smite them hip and thigh!

CHAPTER X

INTRODUCING A NOVEL MEANS OF EATING CAKE AND HAVING IT TOO

Doc Turner and Ebenezer Squinch and Tom Fester, all doing business on the second floor of the old Turner building, were thrown into a fever of curiosity by the tall, healthy, jovial young man with the great breadth of white-waistcoated chest, who had rented the front suite of offices on their floor. His rooms he fitted up regardless of expense, and he immediately hired an office-boy, a secretary and two stenographers, all of whom were conspicuously idle. Doc Turner, who had a long, thin nose with a bluish tip, as if it had been case-tempered for boring purposes, was the first to sc.r.a.pe acquaintance with the jovial young gentleman, but was chagrined to find that though Mr. Wallingford was most democratic and easily approachable, still he was most evasive about his business. Nor could any of his office force be "pumped."

"The People's Mutual Bond and Loan Company" was the name which a sign painter, after a few days, blocked out upon the gla.s.s doors, but the mere name was only a whet to the aggravated appet.i.tes of the other tenants. Turner and Fester and Squinch were in the latter's office, discussing the mystery with some trace of irritation, when the source of it walked in upon them.

"I'm glad to find you all together," said young Wallingford breezily, coming at once to the point of his visit. "I understand that you gentlemen were once a part of the directorate of a national building and loan company which suspended business."

Ebenezer Squinch, taking the chair by virtue of his being already seated with his long legs elevated upon his own desk, craned forward his head upon an absurdly slender neck, which much resembled that of a warty squash, placed the tips of his wrinkled fingers together and gazed across them at Wallingford quite judicially.

"Suppose we were to admit that fact?" he queried, in non-committal habit.

"I am informed that you had a membership of some nine hundred when you suspended business," Wallingford went on, "and among your effects you have doubtless retained a list of that membership."

"Doubtless," a.s.sented Lawyer Squinch after a thoughtful pause, deciding that he might, at least partially, admit that much.

"What will you take for that list, or a copy of it?" went on Mr.

Wallingford.

Mr. Turner, Mr. Squinch and Mr. Fester looked at one another in turn.

In the mind of each gentleman there instantly sprang a conjecture, not as to the actual value of that list, but as to how much money young Wallingford had at his command. Both Mr. Fester and Mr. Turner sealing their mouths tightly, Mr. Fester straightly and Mr. Turner pursily, looked to Mr. Squinch for an adequate reply, knowing quite well that their former partner would do nothing ill-considered.

"M-m-m-m-m-m-m-m," nasally hesitated Mr. Squinch after long cogitation; "this list, Mr. Wallingford, is very valuable indeed, and I am quite sure that none of us here would think of setting a price on it until we had called into consultation our other former directors, Mr. Grout and Mr. Christmas."

"Let me know as soon as you can, gentlemen," said Mr. Wallingford. "I would like a price by to-morrow afternoon at two o'clock, at least."

Another long pause.

"I think," stated Mr. Squinch, as deliberately and as carefully as if he were announcing a supreme court decision--"I think that we may promise an answer by to-morrow."

They were all silent, very silent, as Mr. Wallingford walked out, but the moment they heard his own door close behind him conjecture began.

"I wonder how much money he's got," speculated fish-white Doc Turner, rubbing his claw-like hands softly together.

"He's stopping at the Telford Hotel and occupies two of the best rooms in the house," said blocky Mr. Fester, he of the bone-hard countenance and the straight gash where his lips ought to be.

"He handed me a hundred-dollar bill to take the change out of for the first month's rent in advance," supplemented Doc Turner, who was manager of the Turner block.

"He wears very large diamonds, I notice," observed Squinch. "I imagine, gentlemen, that he might be willing to pay quite two thousand dollars."

"He's young," a.s.sented Mr. Turner, warming his hands over the thought.

"And reckless," added Mr. Fester, with a wooden appreciation that was his nearest approach to a smile.

Their estimate of the youth and recklessness of the lamb-like Mr.

Wallingford was such that they mutually paused to muse upon it, though not at all unpleasantly.

"Suppose that we say twenty-five hundred," resumed Mr. Squinch. "That will give each of the five of us five hundred dollars apiece. At that rate I'd venture to speak for both Grout and Christmas."

"We three have a majority vote," suggested Doc Turner. "However, it's easy enough to see them."

"Need we do so?" inquired Mr. Squinch, in slow thought. "We might--"

and then he paused, struck by a sudden idea, and added hastily: "Oh, of course, we'll have to give them a voice in the matter. I'll see them to-night."

"All right," a.s.sented Doc Turner, rising with alacrity and looking at his watch. "By the way, I have to see a man. I pretty near overlooked it."

"That reminds me," said Mr. Fester, heaving himself up ponderously and putting on the hat which should have been square, "I have to foreclose a mortgage this afternoon."

Mr. Squinch also rose. It had occurred to all three of them simultaneously to go privately to the two remaining members and buy out their interest in the list for the least possible money.

J. Rufus found the full board in session, however, when he walked into Mr. Squinch's office on the following afternoon. Mr. Grout was a loose-skinned man of endless down-drooping lines, the corners of his eyelids running down past his cheek-bones, the corners of his nose running down past his mouth, the corners of his mouth running down past his chin. Mr. Christmas had over-long, rusty-gray hair, bulbous red ears, and an appalling outburst of scarlet veins netted upon his copper-red countenance. Notwithstanding their vast physical differences, however, Wallingford reflected that he had never seen five men who, after all, looked more alike. And why not, since they were all of one mind?