The Financier. Theodore Dreiser

about ready to turn off into the cobblestone road to reach his own door.

      “No, why?”

      “She's giving a party next Tuesday,” she volunteered, seemingly pointlessly, but only seemingly.

      “Where does she live?”

      “There in twenty-eight.”

      “I'd like to go,” he affirmed, warmly, as he swung away from her.

      “Maybe she'll ask you,” she called back, growing more courageous as the distance between them widened. “I'll ask her.”

      “Thanks,” he smiled.

      And she began to run gayly onward.

      He looked after her with a smiling face. She was very pretty. He felt a keen desire to kiss her, and what might transpire at Ruth Merriam's party rose vividly before his eyes.

      This was just one of the early love affairs, or puppy loves, that held his mind from time to time in the mixture of after events. Patience Barlow was kissed by him in secret ways many times before he found another girl. She and others of the street ran out to play in the snow of a winter's night, or lingered after dusk before her own door when the days grew dark early. It was so easy to catch and kiss her then, and to talk to her foolishly at parties. Then came Dora Fitler, when he was sixteen years old and she was fourteen; and Marjorie Stafford, when he was seventeen and she was fifteen. Dora Fitter was a brunette, and Marjorie Stafford was as fair as the morning, with bright-red cheeks, bluish-gray eyes, and flaxen hair, and as plump as a partridge.

      It was at seventeen that he decided to leave school. He had not graduated. He had only finished the third year in high school; but he had had enough. Ever since his thirteenth year his mind had been on finance; that is, in the form in which he saw it manifested in Third Street. There had been odd things which he had been able to do to earn a little money now and then. His Uncle Seneca had allowed him to act as assistant weigher at the sugar-docks in Southwark, where three-hundred-pound bags were weighed into the government bonded warehouses under the eyes of United States inspectors. In certain emergencies he was called to assist his father, and was paid for it. He even made an arrangement with Mr. Dalrymple to assist him on Saturdays; but when his father became cashier of his bank, receiving an income of four thousand dollars a year, shortly after Frank had reached his fifteenth year, it was self-evident that Frank could no longer continue in such lowly employment.

      Just at this time his Uncle Seneca, again back in Philadelphia and stouter and more domineering than ever, said to him one day:

      “Now, Frank, if you're ready for it, I think I know where there's a good opening for you. There won't be any salary in it for the first year, but if you mind your p's and q's, they'll probably give you something as a gift at the end of that time. Do you know of Henry Waterman & Company down in Second Street?”

      “I've seen their place.”

      “Well, they tell me they might make a place for you as a bookkeeper. They're brokers in a way—grain and commission men. You say you want to get in that line. When school's out, you go down and see Mr. Waterman—tell him I sent you, and he'll make a place for you, I think. Let me know how you come out.”

      Uncle Seneca was married now, having, because of his wealth, attracted the attention of a poor but ambitious Philadelphia society matron; and because of this the general connections of the Cowperwoods were considered vastly improved. Henry Cowperwood was planning to move with his family rather far out on North Front Street, which commanded at that time a beautiful view of the river and was witnessing the construction of some charming dwellings. His four thousand dollars a year in these pre-Civil-War times was considerable. He was making what he considered judicious and conservative investments and because of his cautious, conservative, clock-like conduct it was thought he might reasonably expect some day to be vice-president and possibly president, of his bank.

      This offer of Uncle Seneca to get him in with Waterman & Company seemed to Frank just the thing to start him off right. So he reported to that organization at 74 South Second Street one day in June, and was cordially received by Mr. Henry Waterman, Sr. There was, he soon learned, a Henry Waterman, Jr., a young man of twenty-five, and a George Waterman, a brother, aged fifty, who was the confidential inside man. Henry Waterman, Sr., a man of fifty-five years of age, was the general head of the organization, inside and out—traveling about the nearby territory to see customers when that was necessary, coming into final counsel in cases where his brother could not adjust matters, suggesting and advising new ventures which his associates and hirelings carried out. He was, to look at, a phlegmatic type of man—short, stout, wrinkled about the eyes, rather protuberant as to stomach, red-necked, red-faced, the least bit popeyed, but shrewd, kindly, good-natured, and witty. He had, because of his naturally common-sense ideas and rather pleasing disposition built up a sound and successful business here. He was getting strong in years and would gladly have welcomed the hearty cooperation of his son, if the latter had been entirely suited to the business.

      He was not, however. Not as democratic, as quick-witted, or as pleased with the work in hand as was his father, the business actually offended him. And if the trade had been left to his care, it would have rapidly disappeared. His father foresaw this, was grieved, and was hoping some young man would eventually appear who would be interested in the business, handle it in the same spirit in which it had been handled, and who would not crowd his son out.

      Then came young Cowperwood, spoken of to him by Seneca Davis. He looked him over critically. Yes, this boy might do, he thought. There was something easy and sufficient about him. He did not appear to be in the least flustered or disturbed. He knew how to keep books, he said, though he knew nothing of the details of the grain and commission business. It was interesting to him. He would like to try it.

      “I like that fellow,” Henry Waterman confided to his brother the moment Frank had gone with instructions to report the following morning. “There's something to him. He's the cleanest, briskest, most alive thing that's walked in here in many a day.”

      “Yes,” said George, a much leaner and slightly taller man, with dark, blurry, reflective eyes and a thin, largely vanished growth of brownish-black hair which contrasted strangely with the egg-shaped whiteness of his bald head. “Yes, he's a nice young man. It's a wonder his father don't take him in his bank.”

      “Well, he may not be able to,” said his brother. “He's only the cashier there.”

      “That's right.”

      “Well, we'll give him a trial. I bet anything he makes good. He's a likely-looking youth.”

      Henry got up and walked out into the main entrance looking into Second Street. The cool cobble pavements, shaded from the eastern sun by the wall of buildings on the east—of which his was a part—the noisy trucks and drays, the busy crowds hurrying to and fro, pleased him. He looked at the buildings over the way—all three and four stories, and largely of gray stone and crowded with life—and thanked his stars that he had originally located in so prosperous a neighborhood. If he had only brought more property at the time he bought this!

      “I wish that Cowperwood boy would turn out to be the kind of man I want,” he observed to himself, meditatively. “He could save me a lot of running these days.”

      Curiously, after only three or four minutes of conversation with the boy, he sensed this marked quality of efficiency. Something told him he would do well.

Chapter IV

       Table of Contents

      The appearance of Frank Cowperwood at this time was, to say the least, prepossessing and satisfactory. Nature had destined him to be about five feet ten inches tall. His head was large, shapely, notably commercial in aspect, thickly covered with crisp, dark-brown hair and fixed on a pair of square shoulders and a stocky body. Already his eyes had the look that subtle years of thought bring. They