"Thank you for your kindness," Young Dick said generally to the three. "I guess we'll get along all right. Of course, that twenty millions is mine, and of course you've got to take care of it for me, seeing I know nothing of business--"

"And we'll increase it for you, my boy, we'll increase it for you in safe, conservative ways," Mr. Slocum assured him.

"No speculation," Young Dick warned. "Dad's just been lucky--I've heard him say that times have changed and a fellow can't take the chances everybody used to take."

From which, and from much which has already passed, it might erroneously be inferred that Young Dick was a mean and money-grubbing soul. On the contrary, he was at that instant entertaining secret thoughts and plans so utterly regardless and disdainful of his twenty millions as to place him on a par with a drunken sailor sowing the beach with a three years' pay-day.

"I am only a boy," Young Dick went on. "But you don't know me very well yet. We'll get better acquainted by and by, and, again thanking you...."

He paused, bowed briefly and grandly as lords in Nob Hill palaces early learn to bow, and, by the quality of the pause, signified that the audience was over. Nor did the impact of dismissal miss his guardians. They, who had been co-lords with his father, withdrew confused and perplexed. Messrs. Davidson and Slocum were on the point of resolving their perplexity into wrath, as they went down the great stone stairway to the waiting carriage, but Mr. Crockett, the testy and snappish, muttered ecstatically: "The son of a gun! The little son of a gun!"

The carriage carried them down to the old Pacific Union Club, where, for another hour, they gravely discussed the future of Young Dick Forrest and pledged themselves anew to the faith reposed in them by Lucky Richard Forrest. And down the hill, on foot, where grass grew on the paved streets too steep for horse-traffic, Young Dick hurried. As the height of land was left behind, almost immediately the palaces and spacious grounds of the nabobs gave way to the mean streets and wooden warrens of the working people. The San Francisco of 1887 as incontinently intermingled its slums and mansions as did the old cities of Europe. Nob Hill arose, like any medieval castle, from the mess and ruck of common life that denned and laired at its base.

Young Dick came to pause alongside a corner grocery, the second story of which was rented to Timothy Hagan Senior, who, by virtue of being a policeman with a wage of a hundred dollars a month, rented this high place to dwell above his fellows who supported families on no more than forty and fifty dollars a month.




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