"Look here; you bank presidents are an unscientific lot. You ought to be psychologists instead of being merely bookkeepers. It is knowledge of people you need—not of human nature at its worst, or of political economy, or of finance, but of people—the people who vote; the people who in the end say whether you are to be allowed to enjoy your money and theirs in comfort or not. Study them! You sit here and disapprove of my methods because they violate some rule established years ago by somebody as radical then as I appear to be now. It is not a question of good taste or bad taste. It was good taste once to kill each other in duels, and to drink two bottles of port, and to employ children in factories. The suffragettes are attacked for methods—"

"Do you mean to say you approve of their slashing pictures—"

"That is beside the question. If the suffragettes stuck to ladylike speeches and circulars they would be merely a joke at the club. The right of women to vote is a problem. Well, the suffragettes have made themselves exactly that—a problem! If they have not a sense of relative values it is because they don't get me to run their campaign for them. I could succeed without destroying one masterpiece. Maybe I will—some day. And then I could marry ten bankers' daughters if I were not in love with one. Let's come back to our own business. Do you think I have brains?"

"Well—"

"No, no! Remember what I have said to you and consider whether it is asinine; and think of what I have done and ponder whether it shows hustling and executive ability, and those qualities that mean the power to develop the individual bank account. Am I an ass or have I brains?"

"Yes; but—"

"All men of brains at all times have had more buts than bouquets thrown at them. I tell you now that I have gone about this business for the purpose of getting there. To become news, to be interesting to the public in some way—in any way—is the quickest way. Then you can pick your own way, a way that will commend itself to the well-bred nonentities who never accomplish anything. Well, I am famous; and it's up to me to decide what I shall do in the future to take advantage of the fact that when people hear of H. R., or see those two initials in print, they look for something interesting to follow. The least of my troubles is that I shall become one of your respected depositors. I don't drink; I am healthy—no taint of any kind, hereditary or acquired; I don't have to lie to get what I want or cheat to get all the money I need—and I need a lot. I've got ideas, and I don't fall down in carrying them out, because I don't go on at half-cock. I never move until I see my destination; and if there is a wall ahead I have my scaling-ladder all ready long before I arrive at the wall."

H. R. paused, and then went on more slowly: "When you get over your soreness at the raw deal the newspapers have given you, you will be glad to have a man of brains in your house. I don't want you to give Grace anything; but I tell you now I'm going to marry her, and you'd better begin to be reconciled to the idea of having me for a son-in-law. I want to be your friend, because I'm quite sure you will not enjoy having me for your enemy—not after I begin the counter attack."

It is always the delivery that does it, as Demosthenes triply assured posterity. Mr. Goodchild's eyes had not left H. R.'s face and he had listened intently to the speech. He did not grasp in full all that H. R. had said; but what really had emptied Mr. Goodchild of anger, and filled him with an interest which was not very different from respect, was the delivery. H. R.'s faculty of knowing how to speak to a particular auditor was instinctive. It always is, with all such men, whether they are famous or obscure, orators or life-insurance agents. It is very simple when you are born with it.

Mr. Goodchild, however, finding his own weapons of offense more dangerous to himself than to the foe, fell back on defense. To do so, he naturally began with a lie. That is the worst of verbal defenses.