"It's your neighborhood, and folks is liable to talk."

But she insisted that he accompany her as far as the house.

"I can't ask you in," she said, extending her hand at the foot of the steps.

The wind was humming wildly in sharply recurrent gusts, but still the rain held off.

"Do you know," he said, "taking it by and large, it's the happiest day of my life." He took off his hat, and the wind rippled and twisted his black hair as he went on solemnly, "And I'm sure grateful to God, or whoever or whatever is responsible for your being on this earth. For you do like me heaps. It's been my joy to hear you say so to-day. It's—" He left the thought arrested, and his face assumed the familiar whimsical expression as he murmured: "Dede, Dede, we've just got to get married. It's the only way, and trust to luck for it's coming out all right—".

But the tears were threatening to rise in her eyes again, as she shook her head and turned and went up the steps.

CHAPTER XX

When the ferry system began to run, and the time between Oakland and San Francisco was demonstrated to be cut in half, the tide of Daylight's terrific expenditure started to turn. Not that it really did turn, for he promptly went into further investments. Thousands of lots in his residence tracts were sold, and thousands of homes were being built. Factory sites also were selling, and business properties in the heart of Oakland. All this tended to a steady appreciation in value of Daylight's huge holdings. But, as of old, he had his hunch and was riding it. Already he had begun borrowing from the banks. The magnificent profits he made on the land he sold were turned into more land, into more development; and instead of paying off old loans, he contracted new ones. As he had pyramided in Dawson City, he now pyramided in Oakland; but he did it with the knowledge that it was a stable enterprise rather than a risky placer-mining boom.

In a small way, other men were following his lead, buying and selling land and profiting by the improvement work he was doing. But this was to be expected, and the small fortunes they were making at his expense did not irritate him. There was an exception, however. One Simon Dolliver, with money to go in with, and with cunning and courage to back it up, bade fair to become a several times millionaire at Daylight's expense. Dolliver, too, pyramided, playing quickly and accurately, and keeping his money turning over and over. More than once Daylight found him in the way, as he himself had got in the way of the Guggenhammers when they first set their eyes on Ophir Creek.

Work on Daylight's dock system went on apace, yet was one of those enterprises that consumed money dreadfully and that could not be accomplished as quickly as a ferry system. The engineering difficulties were great, the dredging and filling a cyclopean task. The mere item of piling was anything but small. A good average pile, by the time it was delivered on the ground, cost a twenty-dollar gold piece, and these piles were used in unending thousands. All accessible groves of mature eucalyptus were used, and as well, great rafts of pine piles were towed down the coast from Peugeot Sound.