He bowed and smiled. "Your faith is very wonderful." Then he added, with a glance at Mrs. Joyce, who was listening, "For myself, I would not put my second-best coat in their keeping."

Mrs. Joyce intervened at this point, and, after some little discussion of a conventional topic, offered to send Victor and his mother home in her car. Victor was not pleased by her offer. It was only putting him just that much deeper into her debt, but he could not well refuse, especially as his mother accepted it as a matter of course.

On the way he took up the question of Carew's warning. "He's right, mother. You must stop advising people to buy or sell."

"Why so, Victor?"

"Suppose you should advise buying the wrong thing?"

"But they don't advise the wrong thing, Victor. They are always right."

"Always?"

"Nobody has ever reported a failure," she declared.

"Well, it's sure to come. Why should father or grandfather know any more about stocks now than he did before he died?"

She was a little nettled by his tone. "They have the constant advice of a great financier on that side."