"Is that right, Dexter?"

"That's the way it looks to me, Dave," said the ranchman capitalist, who, whatever might be his limitations in the field of high finance, was not lacking the nerve to fight unquestioning in any partner's quarrel.

The president of the Brewster City National turned back to Smith.

"What do you want, Mr. Smith?" he asked, not too cordially.

"Nothing that you'd give us, I guess; a little business loyalty, for one thing——"

"And a checking balance for immediate necessities for another?" suggested the banker.

With all his trained astuteness—trained in Kinzie's own school, at that—Smith could not be sure that the gray-faced old Westerner was not setting a final trap for him, after all. But he took the risk, saying, with a decent show of indifference: "Of course, it would be more convenient here than in Denver or Chicago. But there is no hurry about that part of it."

The president took a slip of paper from a pigeonhole and wrote rapidly upon it. Once more his optimism was locking horns with prudent caution. It was the optimism, however, that was driving the pen. Baldwin's word was worth something, and it might be disastrous to let these two get away without anchoring them solidly to the Brewster City National.

"Sign this, you two," he said. "I don't know even the name of your new outfit yet, but I'll take a chance on one piece of two-name paper, anyhow."

Smith took up the slip and glanced at it. It was an accommodation note for twenty thousand dollars. With the money fairly in his hands, he paused to drive the nail of independence squarely home before he would sign.