"I should think you would rather confide in a woman." Hilbrough looked puzzled and curious as he said this.

"You don't understand," she said. "A woman doesn't like to give herself away to another woman. Women always think you ridiculous if you don't understand everything, and they remember and talk about it. But a man likes to give information to a woman. I suppose men like to have a woman look up to them." Mrs. Hilbrough laughed at the explanation, which was not quite satisfactory to herself.

"Well," said Hilbrough, after a minute's amused meditation, "the men I know are all like me. They are business men, and are rather dragged into society, I suppose, by their wives, and by"—he chuckled merrily at this point—"by the debts they owe to social position, you know. I don't believe there's a man in the bank that wouldn't be as likely to ask me about what coat he ought to wear on any occasion as to give me any information on the subject. Yes, there is one man. That's young Millard, or Millard, as he calls it. He's a sort of a dude, and I never could stand dudes. I asked Mr. Masters the other day whether the assistant cashier was worth so large a salary as five thousand dollars, and he said that that man had the entry—the ontray, as he called it—to the best houses in New York. He's cheek by jowl with a dozen of the richest men, he's invited everywhere, and is considered a great authority on all matters of that kind. He brings some business to the bank, and he's one of the best judges in New York of a man's character and responsibility. He knows all about pretty nearly every man whose note is presented for discount, and, if he does not know at once, he can generally find out in an hour. I believe he could tell us the name of the grandmother of almost every prominent depositor if we wished to know, and how every man got his money."

"Is he rich?"

"Well, nobody seems to know for certain. He has a large slice of the bank's stock, and he's known to have good investments outside. He's well enough off to live without his salary if he wanted to. But I am pretty sure he isn't rich. Belongs to some old family, I suppose."

"I should be afraid of him," said Mrs. Hilbrough, ruefully.

"You needn't be. He's a good enough sort of fellow if he only wouldn't part his hair in the middle. I can't abide that in a man. But it's no use being afraid of him. He probably knows all about you and me already. He first came to see me about coming into the bank, and I don't know but it was his move to get me."

"Would he come up to dinner some evening?"

"He'd rather like to oblige me. I'll have to get him when he's disengaged. What shall I tell him?"

"Tell him that Mrs. Hilbrough wishes his advice, and would be glad if he would come to dinner with us some evening."