"Am I right in assuming that you are looking for a position, Richard?" was the first thing the banker said.

"Yes, sir. You probably know the trouble my mother is having with her investment, for she has conducted all negotiations through your bank. Until that company resumes the payment of dividends we shall have rather a hard time to get on. And I have made up my mind to give up school, for the present, at least, and get work of some kind," said the boy, clearly.

"Good for you. Your object is surely commendable. I understand that you have already been making a start in that line?" pursued Mr. Gibbs.

"Do you mean with Mr. Cartwright, sir?" asked Dick, wondering how the other had managed to hear of this.

"Yes. He was in here doing some business yesterday, and spoke of you."

"That was mighty nice of him, sir. I would gladly have continued on with him, but you see his son, who had been sick, got well enough to come back, and that knocked me out of a job."

"Very inconsiderate of Toby, too. But Mr. Cartwright, who is one of our directors, and a heavy stockholder in this bank, recommended you to me as a trustworthy young fellow who could be depended on to do your best always. That is the rule we follow here; no matter how menial the task, do it as near perfect as lies in your power."

"It was Mr. Cartwright, then—I thought—" began Dick, and stopped short.

"What did you think, Richard; tell me?" asked Mr. Gibbs, smiling.

"I thought that perhaps Charles might have said something. He promised to recommend me if you ever needed an assistant to help him out, he was so busy."