I was always fond of the girls. I was never in any place long before I was well acquainted with a number of the nicest in the town. Instead of running up in the loft to hide when they came along, many a pleasant chat did I have, standing before the stable door with my overalls on and my sleeves rolled up to my elbows. My brother, returning from the States, took me

TO SAN FRANCISCO

and put me in school. Some of my leisure time he expected me to look after his business. My ignorance of business methods is well illustrated by the following incident: He went away, leaving a note of something over three thousand dollars. It was in the hands of a lawyer friend and was not due. He told me he would send me a draft to pay that note.

I didn't know what a draft was; but it finally came in the mail by the steamer which came once a month.

I could hardly sleep that night for fear somebody would steal it. I felt sure something was going to happen to me before I got the note paid. I had read of hold-ups at night, and even in day time parties had been enticed into dark alleys and robbed. Next morning it looked as if the bank would never open its doors. I passed and repassed, afraid to stop and look in, for fear some one would suspect I had some money and would lay a trap for me. Finally the door opened and I was the first to enter. I presented the draft. It was the proudest act of my life. The fellow looked at it, and then at me, turned it over, looked on a book, cut his eye at me again, then looked at his watch, asked me some more questions, then went in a back room and was gone, oh! so long. "Surely," I began to think, "maybe he will slip out of the back door and I will never see my draft anymore." But finally he returned with another man. I can't recall it all now, but after a while it was arranged and the man asked: "What do you want for this?" "Want gold," was my reply. I had heard of bank notes that were not good—there were no green backs then. I was determined to be on the safe side. Nothing but gold would satisfy me. "Mighty heavy for you to pack," he said, but I knew of no other way. Two sacks were given me. My! how my eyes opened as the money was counted into the sacks in $20 gold pieces. I had never seen so much money before.

TAKING A SACK IN EACH HAND, I TRUDGED AWAY UP THE STREET.

Block after block was passed and finally I went up the stairway and stood almost breathless in the lawyer's office. Depositing my treasure on a chair, I said: "Mr. Anderson, that note is due today and I have come to pay it." "All right, my boy, you could have waited three days longer if you wished," was the lawyer's kind reply. I had been impressed with the exact date and thought it so fortunate that the steamer arrived just the day before the note fell due. I thought something awful would happen if it was not promptly settled, when due. I knew nothing of days of grace. "But what have you in those sacks," queried the lawyer in a kindly tone. "That's the money," I replied. Of course the laugh was on me. There I got my first lesson in banking. The draft endorsed by me, would have suited him much better than the two sacks of gold coin. So I was a "gold bug" when William Jennings Bryan was a kid, and I have never changed my platform.