"I'm not so sure about that," replied Bob. "You know, Mr. White said the First National Bank was going to be run as a constructive bank and that he would be willing to loan money on any permanent improvements, and that he wanted to make a model farm of yours this year. Besides, you remember what I told you he said about the value of our sand and gravel pit."

"Yes, Bob, but look at the work we have contracted for already; don't forget how many loads of sand and gravel it will take to pay for that."

"That's so," said Bob, "but Mr. White didn't seem to be so much concerned about the amount we spent for improvements as what we spent it for. He seems to be anxious to have us fix the old farm up and believes it will pay."

"That's all right for you and John White," added his uncle, "to talk of making this a model farm in a year, but it's my name that's going to be on the notes, and some fine morning when we get all these improvements made, he may drive out here and take the model farm away from me for the notes."

"I don't think John White would do such a thing," said Bob stoutly. "Besides, why should he call his bank a 'Constructive Bank,' if he used it to destroy other people's hopes? I should think he would call it a 'Destructive Bank,' instead."

"Well, maybe so," said his uncle. "Anyhow, it won't hurt any one to let that little corner go undeveloped for the present, till I talk it over with your Aunt Bettie. It may please her if we carry out her suggestion."

"Why're you so quiet, Bob?" asked his grandmother at dinner that day.
"One would think it was you that was getting married instead of your
Uncle Joe, sitting there as solemn as an owl and not saying anything.
Has the cat run away with your tongue so soon?"

"Why, no," said Bob. "I was just thinking."

"You weren't feeling badly because you weren't going to the wedding, were you?" asked his uncle, looking up.

"No, Uncle Joe, I wasn't. I was just wondering if they might have some bees at the sale to-morrow."