Smith accepted the implied challenge promptly, though in his heart he knew that a net of some kind was drawing around him.

"Meaning that I haven't been telling you the truth, heretofore?" he asked hardily.

"Meaning just that," responded the banker.

"Name the time and place, if you please."

"It was the first time you came here—with Baldwin."

"No," said Smith. "I gave you nothing but straight facts at that time, Mr. Kinzie. It was your own deductions that were at fault. You jumped to the conclusion that I was here as the representative of Eastern capital, and I neither denied nor affirmed. But that is neither here nor there. We have made good in the financing, and, incidentally, we've helped the bank. You have no kick coming."

Kinzie wheeled in his chair and pointed an accusing finger at Smith.

"Mr. Smith, before we do any more business together, I want to know who you are and where you come from. If you can't answer a few plain questions I shall draw my own inferences."

Smith leaped up and towered over the thick-set elderly man in the pivot-chair.

"Mr. Kinzie, do you want me to tell you what you are? You're a trimmer—a fence-climber! Do you suppose I don't know what has happened? Stanton has started this new scare, and he has been here with you! You've thought it all over, and now you want to welsh and go over to what you think is going to be the winning side! Do it, if you feel like it—and I'll transfer our account to the little Savings concern up-town!"