Dick began to take notice, and somehow a thought flashed into his brain that he would not have communicated to anyone else for a king's ransom, lest he be accused of betraying the secrets that were connected with his trusted position in the bank.

He remembered now that Mr. Graylock had been in consultation with the bank officials daily of late, and there seemed to be a look on his face that was more than the keen, shrewd business expression people were accustomed to seeing there.

Could it be that he was having troubles financially?

Dick knew that there were some heavy notes out against the man whose genius as an organizer had built up that big department store, so long a credit to the good name of Riverview.

Yes, and he had been in to see Mr. Gibbs twice personally, which was a rather unusual proceeding, since the cashier was the one with whom all ordinary affairs were transacted.

And now that he thought of it, might there be a reason in his setting Ferd to work to earn his own living.

He discovered the object of his last thought behind a counter, looking disconsolate, though when Ferd saw him he tried to brace up and assume his former patronizing air, beckoning Dick to approach.

Actually he offered to shake hands, which was a sure indication that Ferd had suffered a fall in his pride.

"How d'ye do, Dick? Getting along all right in the bank? I had an idea I'd like to take up the financial end of the game, but when I discovered what slaves all bank clerks are nowadays, I changed my mind. It's a heap better to work into the ropes here, and learn how the governor manages things; because you understand, before a great while I expect to see my name on the sign with his. Archibald Graylock & Son, won't look half bad, eh? After that I can take it easier, you see. And when the whole business comes my way, after the old man cashes in his checks, why I expect to travel and enjoy life. I'm thinking of investing in a car the very day I get to be a partner here; yes, and I've been having stacks of catalogues sent me of the different makes. Don't suppose you feel any interest in such things; perhaps you may ten or twenty years from now, when you get to be cashier."

It amused Dick to hear Ferd boast, and never changed his own ideas a particle.