In regard to Joseph Byan, the third member of the combination, Susannah had her unformulated reservations. Perhaps it was because Byan really interested her more than the other two. Byan was little and slender; perfectly formed and rather fine-featured; swift as a cat in his darting movements. In his blue eyes shone a look of vague pathos and on his lips floated—Susannah decided that this was the only way to express it—a vague, a rather sweet smile. Susannah’s job had not at first brought her as much into contact with Mr. Byan as with Mr. Warner. His work, she learned, lay mostly outside of the office. But once, during her third week, he had come into her office and dictated a letter; had lingered, when he had finished with the business in hand, for a little talk. The conversation, in some curious turn, veered to the subject of firearms. He was speaking of the various patterns of revolvers. He stood before her, a slim, perfectly proportioned figure whose clothes, of an almost feminine nicety and cut, seemed to follow every line of the body beneath. Suddenly, one of his slight hands made a swift gesture. There appeared—from where, she could not guess—a little, ugly-looking black revolver. With it, he illustrated his point. Since, he had never passed through the office without Susannah’s glance playing over him like a flame. Nowhere along the smooth lines of his figure could she catch the bulge of that little toy of death. Despite his suave gentleness, there was a believable quality about Byan; his personality carried conviction, just as did that of the others. Susannah trusted him, too; but again in a different way.

On the very day when Mr. Byan showed her the revolver, she was passing the open door of Mr. Warner’s office; and she heard the full, round voice of the Chief saying:

“Remember, Joe, rule number one: no clients or employ—” Byan hastily closed the door on the tail of that sentence. Sometimes she wondered how it ended.

A cog in the machine, Susannah had never fully understood the business. That was not really necessary; Mr. Warner himself kept her informed on what she needed to know. He explained in the beginning the glorious opportunity for investors. From time to time, he added new details, as for example the glowing reports of their chief engineer or their special expert. Susannah knew that they were paying three per cent dividends a month—and in April there was a special dividend of two per cent. Besides, they were about to break into a “mother lode”—the reports of their experts proved that—and when that happened, no one could tell just how high the dividends might be. True, these dividend payments were often made a little irregularly. One of the things which Susannah did not understand, did not try to understand, was why a certain list of preferred stockholders was now and then given an extra dividend; nor why at times Mr. Warner would transfer a name from one list to another.

“I’m thinking of saving my money and investing myself in Carbonado stock!” said Susannah to Mr. Warner one day.

“Don’t,” said Mr. Warner; and then with a touch of his clerical manner: “We prefer to keep our office force and our investors entirely separate factors for the present. We are trying to avoid the reproach of letting our people in on the ground floor. When our ship comes in—when we open the mother lode—you shall be taken care of!”

So, for six months, everything went perfectly. Susannah had absorbed herself completely in her job. This was an easy thing to do when the business was so fascinating. She had gone for five months at this pace when she realized that she had not taken the leisure to make friends. Except the three partners—mere shadows to her—and the people at her boarding-house—also mere shadows to her—she knew only Eloise. Not that the friendship of Eloise was a thing to pass over lightly. Eloise was a host in herself.

They had met at the Dorothy Dorr, a semi-charitable home for young business women, at which Susannah stayed during her first week in New York. Eloise was an heiress, of that species known to the newspapers as a “society girl.” Pretty, piquant, gay, extravagant, she dabbled in picturesque charities, and the Dorothy Dorr was her pet. Sometimes in the summer, when she ran up to town, she even lodged there. By natural affinity, she had picked Susannah out of the crowd. By the time Susannah was established in her new job and had moved to a boarding-house, they had become friends. But the friendship of Eloise could not be very satisfactory. She was too busy; and, indeed, too often out of town. From her social fastnesses, she made sudden, dashing forays on Susannah; took her to luncheon, dinner, or the theater; then she would retreat to upper Fifth Avenue, and Susannah would not see her for a fortnight or a month.

Then, that terrible, perplexing yesterday. If she could only expunge yesterday from her life—or at least from her memory!

Of course, there were events leading up to yesterday. Chief among them was the appearance in the office, some weeks before, of Mr. Ozias Cowler, from Iowa. Mr. Cowler, Susannah gathered from the manner of the office, was a customer of importance. He was middle-aged. No, why mince matters—he was an old man who looked middle-aged. He was old, because his hair had gone quite white, and his face had fallen into areas broken by wrinkles. But he appeared to the first glance middle-aged, because the skin of those areas was ruddy and warm; because his eyes were as clear and blue as in youth. He looked—well, Susannah decided that he looked fatherly. He was quiet in his step and quiet in his manner. Though he appeared to her in the light of a customer rather than that of an acquaintance, Susannah was inclined to like him, as she liked everyone and everything about the Carbonado offices.