Then one day, while off with his broker, Simmons, on the latter's steam yacht, visiting various north coast islands, the impulse culminated.

"Why not buy one of these islands," said Simmons, "and start a quarry company? You can buy one for a song and a granite-quarrying industry sounds safe and will catch the cautious. I am intending to build a fine residence in the near future, and you can furnish me the stone. In return, I'll market stock enough to pay for it. We can find an island with a harbor and buy it, or a part, which is all that is needful, and you can do the rest." And thus the scheme was hatched, and when J. Malcolm Weston, the to-be great financier, returned to the city, he was sole owner of Jess Hutton's unused quarry and the Rockhaven Granite Company was born.

It took time, however, for Hill was a cautious man, holding on to his purse-strings with the grip of death, and Weston must needs approach him circuitously. Then there were outsiders to warm up, as it were, men of some financial standing whose names were of value, to interest; a charter to be obtained, and all the legal and business detail necessary to the carrying out of a scheme to be attended to. It also needed all of Weston's plausible arguments to perfect the plot, and summer came around again before the conspiracy was ready to be launched. Then "the street" was cautious, and knowing Weston's reputation in the past, was not eager, or even willing, to buy this stock. At first, a few credulous people like Winn's aunt and two or three others who believed in Weston bought small lots, and the men whose names appeared on the prospectus were each and all given stock in due ratio to their prominence. And then Simmons began his fine work. He knew, and so did Weston, that every share they had given away would be offered for sale as soon as a price for it had been established "on 'change" and then the scheme would fall flat. But Simmons had ideas of his own. "We must wait," he said, "until your man Hardy has shipped us one or two loads of granite, then herald that fact repeatedly in the papers until the dear confiding public don't know whether one or ten shiploads have arrived, and then—declare a dividend!"

It was not long after, and when Winn Hardy, the honest dupe that he was, was either zealously striving to push the Rockhaven Granite Company interests toward success, or thinking about what fine eyes Mona Hutton had, that the Market News contained the following item:—

"The first load of granite destined for the new and palatial residence which Richard Simmons, the well-known broker, is about to build, has arrived. It came from the Rockhaven Granite Company's quarries on an island they own, which produces the finest quality of building stone obtainable."

A week later this item also appeared in the same financial sheet:—

"It is rumored that all the treasury stock of the Rockhaven Granite Company has been subscribed for and that this enterprising corporation is overwhelmed with orders for their excellent product. This is due to the rapid growth of our beautiful city and the consequent demand for building materials."

And J. Malcolm Weston, after reading them in the privacy of his office, stroked his abundant side whiskers with an admiring caress, while a smile of satisfaction spread over his genial face. It was the beginning of his long-cherished ambition to pose as a great financier and it filled his soul with joy.

"A dozen or more of such items will start the ball rolling in glorious shape," he said to Hill, "and boom Rockhaven to beat the cards."

But Hill, the narrow-minded and close-fisted man that he was, only looked cross, and sourly asked, "What did they cost?"