"As I walked up from Wall Street to-day, I saw a dray loaded with kegs on which were inscribed the letters, 'P. W. & K.' Those kegs contained the gold just sent to the firm from England to help our State through this crisis."

My father once gave me some account of his early experiences in Wall Street. He had been sent, almost a boy, to New York, to try his fortune. His connection with Block Island families through his grandmother, Catharine Ray Greene, had probably aided in securing for him a clerk's place in the banking house of Prime and Sands, afterwards Prime, Ward and King. He soon ascertained that the Spanish dollars brought to the port by foreign trading vessels could be sold in Wall Street at a profit. He accordingly employed his leisure hours in the purchase of these coins, which he carried to Wall Street and there sold. This was the beginning of his fortune.

A work published a score or more of years since, entitled "The Merchant Princes of Wall Street," concluded some account of my father by the statement that he died without fortune. This was far from true. His death came indeed at a very critical moment, when, having made extensive investments in real estate, his skill was requisite to carry this extremely valuable property over a time of great financial disturbance. His brother, our uncle, who became the guardian of our interests, was familiar with the stock market, but little versed in real estate transactions. By untimely sales, much of my father's valuable estate was scattered; yet it gave to each of his six children a fair inheritance for that time; for the millionaire fever did not break out until long afterwards.

The death of this dear and noble parent took place when I was a little more than twenty years of age. Six months later I attained the period of legal responsibility, but before this a new sense of the import of life had begun to alter the current of my thoughts. With my father's death came to me a sense of my want of appreciation of his great kindness, and of my ingratitude for the many comforts and advantages which his affection had secured to me. He had given me the most delightful home, the most careful training, the best masters and books. He had even, as I have said, built a picture gallery for my especial instruction and enjoyment. All this I had taken, as a matter of course, and as my natural right. He had done his best to keep me out of frivolous society, and had been extremely strict about the visits of young men to the house. Once, when I expostulated with him upon these points, he told me that he had early recognized in me a temperament and imagination over-sensitive to impressions from without, and that his wish had been to guard me from exciting influences until I should appear to him fully able to guard and guide myself. It was hardly to be expected that a girl in her teens, or just out of them, should acquiesce in this restrictive guardianship, tender and benevolent as was its intention. My little acts of rebellion were met with some severity, but I now recall my father's admonitions as

"Soft rebukes with blessings ended."

I cannot, even now, bear to dwell upon the desolate hush which fell upon our house when its stately head lay, silent and cold, in the midst of weeping friends and children. Six of us were made orphans, three sons and three daughters. We had had our little disagreements and dissensions, but the blow which now fell upon us drew us together with the bond of a common sorrow. My eldest brother had recently gone to reside in a house of his own. The second one, Henry by name, became at this time my great intimate. He was a high-strung youth, very chivalrous in disposition, full of fun and humor, but with a deep vein of thought. He was already betrothed to one whom I held dear, and I looked forward to many years brightened by his happiness, but alas! an attack of typhoid fever took him from us in the bloom of his youth. I was with him day and night during his illness, and when he closed his eyes, I would gladly, oh, so gladly, have died with him! The great anguish of this loss told heavily upon me, and I remember the time as one without light or comfort. I sought these indeed. A great religious revival was going on in New York, and a zealous young friend persuaded me to attend some of the meetings held in a neighboring church. I had never taken very seriously the doctrines of the religious body in which I had been reared. They now came home to me with terrible force, and a season of depression and melancholy followed, during which I remained in a measure cut off from the wholesome influences which reconcile us to life, even when it must be embittered by a sense of irreparable loss.

At the time of my father's death, my dear bachelor uncle John, already mentioned, left his own house and came to live with us. When our paternal mansion was sold, some years later, he removed with us to the house of my eldest brother, who was already a widower. After my marriage my uncle again occupied a house of his own, in which for many years he made us all at home, even with our later incumbrances of children and nurses. He was, in short, the best and kindest of uncles. In business he was more adventurous than his rather deliberate manner would have led one to suppose. It was said that, in the course of his life, he had made and lost several fortunes. In the end he left a very fair estate, which was divided among the several sets of his nieces and nephews.

Long before this he had become one of the worthies of Wall Street, and was universally spoken of as "Uncle John." Shortly after his retirement from active business, the Board of Brokers of New York requested him to sit to A. H. Wenzler for a portrait, to be hung in their place of meeting. The portrait was executed with entire success. I ought to mention in this connection that the directors of the New York Bank of Commerce, of which my father was the founder and first president, ordered a portrait of him from the well-known artist, Huntington.

CHAPTER V

MY STUDIES