For some reason I slept downstairs that night, on the floor, behind a screen improvised out of a clothes horse and a blanket; and later in the evening the clatter of knives and forks and the sound of subdued voices awoke me. My aunt had apparently gone to bed; my mother and the man in grey were talking together over their supper.

“We must buy land,” said the voice of the grey man; “London is coming this way. The Somebodies” (I forget the name my father mentioned) “made all their money by buying up land round New York for a mere song. Then, as the city spread, they became worth millions.”

“But where will you get the money from, Luke?” asked the voice of my mother.

The voice of the grey man answered airily:

“Oh, that's merely a matter of business. You grant a mortgage. The property goes up in value. You borrow more. Then you buy more—and so on.”

“I see,” said my mother.

“Being on the spot gives one such an advantage,” said the grey man. “I shall know just when to buy. It's a great thing, being on the spot.”

“Of course, it must be,” said my mother.

I suppose I must have dozed, for the next words I heard the grey man say were:

“Of course you have the park opposite, but then the house is small.”