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“Good-evening, sir,” said Mr. Merriman. “But I can’t for the life of me think what you are doing on my yacht. I was expecting a man, but not you.”

“You couldn’t guess,” said Brett, “why I have been so impertinent as to call upon you without an invitation.”

“Then,” said Mr. Merriman, “perhaps you had better tell me. I think I have seen you before.”

“My name is Brett,” said Brett. “You may have seen me trying to play tennis at Newport. I have often seen you there, looking on.”

“You didn’t come to accuse me of being a looker-on?” Mr. Merriman asked.

“No, sir,” said Brett, “but I do wish that could have been the reason. I’ve come, sir, as a matter of fact, because you are, on the contrary, so very, very active in the game.”

“I don’t understand,” said Merriman rather coldly,

“Oh,” said Brett, “everybody I care for in the world is being ruined, including myself, and I said, ‘Mr. Merriman could save us all if he only would.’ So I came to ask you if you couldn’t see your way to letting up on us all.”

“‘Mr. Brett,” said Mr. Merriman, “you may have heard, since gossip occasionally concerns herself with me, that in my youth I was a priest.”

Brett nodded.

“Well,” continued Mr. Merriman, “I have never before listened to so naive a confession as yours.”

Brett blushed to his eyes.

“I knew when I came,” he said, “that I shouldn’t know how to go about what I’ve come for.”

“But I think I have a better opinion of you,” smiled Mr. Merriman, and his smile was very engaging. “You have been frank without being fresh, you have been bashful without showing fear. You meet the eye in a manly way, and you seem a clean and worthy young man. As opposed to these things, what you might have thought out to say to me would hardly matter.”

“Oh,” cried Brett impulsively, “if you would only let up!”

“I suppose, Mr. Brett,” the banker smiled, even more engagingly, “that you mean you would like me to come to the personal rescue of all those persons who have recently shown bad judgment in the conduct of their affairs. But let me tell you that I have precisely your own objections to seeing people go to smash. But they will do it. They don’t even come to me for advice.”

“You wouldn’t give it to them if they did,” said Brett.

“No,” said Mr. Merriman, “I couldn’t. But I should like to, and a piece of my mind to boot. Now, sir, you have suggested something for me to do. Will you go further and tell me how I am to do it?”

“Why,” said Brett, diffidently but unabashed, “you could start in early to-morrow morning, couldn’t you, and bull the market?”

“Mr. Brett,” said Mr. Merriman forcefully, “I have for the last month been straining my resources to hold the market. But it is too heavy, sir, for one pair of shoulders.”

A look of doubt must have crossed Brett’s face, for the banker smote his right fist into the palm of his left hand with considerable violence, and rose to his feet, almost menacingly.

“Have the courtesy not to doubt my statements, young sir,” he said sharply. “I have made light of your intrusion; see that you do not make light of the courtesy and consideration thus shown you.”

“Of course, I believe you,” said Brett, and he did.

“You are one of those,” said Mr. Merriman, “who listen to what the run of people say, and make capital of it.”

“Of course, I can’t help hearing what people say,” said Brett.

“Or believing it!” Mr. Merriman laughed savagely, “What are they saying of me these days?” he asked.

Brett hesitated.

“Come, come,” said the great man, in a mocking voice. “You are here without an invitation. Entertain me! Entertain me! Make good!”

Brett was nettled.

“Well,” said he, “they say that Mr. Waters was tremendously extended for a rise in stocks, and that you found it out, and that you hate him, and that you went for him to give him a lesson, and that you pulled all the props out of the market, and smashed it all to pieces, just for a private spite. That’s what they say!”