"I shall not learn to love money. That would degrade my soul. I shall regard money always as a means—a mere tool with which to do such work as I can in this great undeveloped country.

"That also is something to be remembered. The era of development is just beginning. These men are nation builders, though they don't know it, or intend it, or care anything about that aspect of their activities. Their motives are the sordid impulses of greed and selfish ambition alone.

"At least that is true of all of them except Captain Hallam. He is a man apart. His attitude is a peculiar one. He does not care for wealth in itself and yet he scrambles for it as greedily and as hungrily as the rest of them. Sometimes I think he regards the whole thing as a game which he enjoys playing with superior skill, just as one might with whist or chess. He likes to win, not for the sake of the winnings, but for the sake of the winning.

"I must go to bed now. To-morrow I'll begin thinking out plans for getting money. One thing is sure. No man can get much money by working for any other man. The man who gets rich is he who hires other men to work for him for less than their work is worth. But it is only by working for another man that one can get the first little capital—the first rude but handy tool with which to achieve success. I'll go on working as a hired man till I get a little hoard together. After that—well, we shall see."

Duncan was greatly admired but little understood by his fellows in the service of the Hallam firm, or by the similar people who thronged the town. His fellows, in and out of the office, were commonplace young men, all looking to the main chance alone and pursuing it with only such honesty of conduct as business prudence required. They felt no further interest in their work than such as was necessary to enable them to retain their places and their salaries.

Therefore they did not understand Guilford Duncan. Neither could they. They regarded with amazement and almost with incredulity his manifestations of sensitive honor and of unselfish loyalty to duty. They thought of him as a sort of freak, or what we should nowadays call a crank.

Of course they could not fail to recognize his ability, but they thought him a good deal of a fool, nevertheless, for not taking selfish advantage of the opportunities that so frequently came to him. They could not understand why he should go out of his way, as he very often did, to render services to the firm which were in no way required or expected of him. Especially they could not understand why, when he had rendered such services in a way to attract Captain Hallam's pleased attention he didn't "strike for something better," as they phrased their thought.

In one especial case, their amazement over his neglect of an opportunity bred something like contempt of him in their minds. It was the practice of the Hallams to keep a fleet of heavily laden coal barges in a bend of the river above the town, bringing them down one by one to the coalyards at "The Point" below the city as they were needed. One day in the early winter, a coal gauger being off duty, Duncan volunteered to go up to the bend in his stead, and measure the coal in a great fleet of barges that had just arrived.

He found the barges unsafely bestowed, and suggested to the captain of the Hallam yard tug boat that he should tow them into a securer anchorage. As night was at hand the captain of the tug refused, saying that he would attend to the matter on the morrow.

That night the first storm of the winter broke upon the river, lashing it to fury, and threatening with destruction every species of craft that might venture away from moorings.