"But who is this Brother Francis," asked Alice, "whom I hear so much of? Tell me about him."

"He is one of the fixtures at The Towers. A religious phenomenon whom I personally think a great deal of; an attendant and a nurse. He is an Italian with the courtesy of a gentleman worn under a black gown so shabby that it would be absurd to offer it to a second-hand man."

"Does the combination seem so odd?"

"To me he is an extraordinary combination."

"How did you happen to get him?"

"That also is curious. The Kimberlys are cantankerous enough when well; when ill they are likely to be insupportable. Not only that, but kindness and faithfulness are some of the things that money cannot buy; they give themselves but never sell themselves. When my uncle fell ill, after a great mental strain, we hired nurses for him until we were distracted--men and women, one worse than another. We tried all colors and conditions of human kind without finding one that would suit Uncle John. I began to think of throwing him into the lake--and told him so. He cried like a child the day I had the set-to with him. To say the truth, the old gentleman hasn't many friends left anywhere, but early impressions are a great deal to us, you know, and I remember him when he was a figure in the councils of the sugar world.

"I recall," continued Kimberly, "a certain Black Friday in our own little affairs when the wolves got after us. The banks were throwing over our securities by the wagon-load, and this old man who sits and swears and shakes there, alone, upstairs, was all that remained between us and destruction. He stood in our down-town office with fifty men fighting to get at him--struggling, yelling, screaming, and cursing, and some who couldn't even scream or curse, livid and pawing the air.

"He stood behind his desk all day like a field-marshal, counselling, advising, ordering, buying, steadying, reassuring, juggling millions in his two hands like conjuror's balls. I could never forget that. I am not answering your question----"

"But do go on!" There were no longer tears in Alice's eyes. They were alive with interest. "That," she exclaimed, "was splendid!"

"He won out, and then he set himself on vengeance. That was the end of our dependence on other people's banks. Most people learn sooner or later that a banking connection is an expensive luxury. He finally drove off the street the two institutions that tried to save themselves at our expense. The father of Cready and Frank Hamilton, Richard Hamilton, a rank outsider, helped Uncle John in that crisis and Uncle John made Richard Hamilton to pillow his head on tens of millions. Since that day we have been our own bankers; that is, we own our own banks. And I this is curious, never from that day to this has Uncle John completely trusted any man--not even me--except this very man we are talking about."