"First-rate!" cried Walworth, relieved by any outcome whatever. "Stockbridge! Why, that's where I did my courting!"
Mrs. Floyd was caught in a melting mood.
"We shall be very happy to see Mr. Ogden," she pronounced primly.
[III]
In one of the first-floor corners of the Clifton is situated the Underground National Bank—Erastus H. Brainard, president.
The Underground is not so styled on account of the policy and methods of its head, oblique and subterranean though they may be; it is merely that the Clifton is almost entirely shut in by its tall neighbors, and that, so far as its lower floors are concerned, direct sunlight, except for a month or two in the early summer, is pretty nearly out of the question. We shall have to throw our own sunlight on the Underground and on the man who is its president and its principal stockholder.
The Underground is not one of the old banks, nor is it one of the large ones; if Brainard had no other irons in the fire he would not cut much of a figure in business circles. The Underground is simply one in a batch of banks that have sprung up in the last seven or eight years and that are almost unknown, even by name, to men who, in the clearing-house at that time, have since passed on to other and different affairs. It is spoken of as Brainard's bank, just as other banks are spoken of as Shayne's, or Cutter's, or Patterson's. Sow Shayne, for example, began life with a fruit-stand—Jim Shayne they called him. The fruit-stand developed into a retail grocery, and Jim Shayne (about the time of the Fire) became J. H. Shayne. The retail grocery expanded into a wholesale grocery, and the sign read, "James H. Shayne & Co.," and the firm made money. But the day dawned when his wife began to figure at dances and receptions—her own and those of other people—as Mrs. James Horton Shayne, and when his daughter's wedding was not far away, with all the splendor that St. Asaph's could command. This was no juncture for laying undue stress on the wholesale grocery business; it seemed worth while to become identified a little less closely with mercantile circles and a little more closely with financial circles. Shayne & Co. went right on—both routine and profits; but the High-flyers' National was started, and James Horton Shayne was more likely to be found on La Salle Street than on River Street.
Cutter was in hardware. His daughter was a great beauty. One day he dropped hardware in favor of his sons, to become the head of a board of directors. Then people could say, "Ah! a fine girl that! Her father runs the Parental National."
Patterson's case was different. He had just invested half a million in a big business block, and his daughter had just invested her all in a husband. The best office in the new building remained tenantless at the end of six months, and the man of his daughter's choice continued practically without occupation during the same term. The office was worth ten thousand dollars, the son-in-law—in the present state of things—about ten thousand cents. So Patterson, in order to secure a tenant for his new building and a career for his new son, started a new financial institution—the Exigency Trust Co.