Frederick had left the Underground for the temple at the extreme end of the street, where he was engaged in an ardent study of puts and calls. The atmosphere of the Board of Trade is less sedate than that of the clearing-house association, and the new recruit had become still more volatile and giddy. He was skating on thinner ice and was putting more assurance into his movements.

Pratt, like Brower, made his own observations on the new status of the Ogdens; but unlike Brower, he did not keep his opinions and conjectures to himself. He gave the same currency to his reflections on this pair that he had given to those on the Viberts—and among others thus favored were the Floyds.

"What's the matter with George, anyhow?" he asked Walworth one evening. They were sitting again in Floyd's library, and a light haze of tobacco-smoke prompted to elegiac revery. "He looks old. And he has come to be as poky as the deuce. He seemed last night as if he was worried half to death."

"I guess he is," answered Walworth. "He's anxious about his wife, for one thing."

"Well, she does look pretty bad, that's a fact. I don't believe she will live the year out. The first cold weather will carry her off."

"Don't say that!" exclaimed Mrs. Floyd. "She's delicate, and she has got to take care of herself. But to talk about dying—that's another thing."

"I'm not so sure." And Walworth shook his head gravely.

"But there's something more than that," said Freddy. "It's money. Gad! how they are fixed up! How can he stand it?"

"He can't," answered Walworth; "he's falling behind. And there is that house of his empty yet. I'd take it off his hands myself if it wasn't for being left in the same fix too. Wish I could help him; he hasn't said anything, though."

"He won't, either," replied Pratt. "He ain't that kind."