Three weeks later Alden P. Ricks arrived in New York. After he had been driven to his hotel and had removed the stains of travel he telephoned the office of Gurney & Harlan and got Gurney, Senior, on the line.

“Well, I'm here, Joe,” he announced. “Have you followed my instructions and cut Joey off at the pockets?”

“I have, Alden. He's rather desperate as a result, and has been trying to borrow money by hypothecating the inheritance due him on his twenty-fifth birthday. You see, I didn't give him a second's notice; just told him he was spending too much time in play and too much money for pleasure, and that until he came into his private fortune he would have to earn any money he desired to spend. I have been very firm.”

“That's the stuff, Joe. And is he trying to earn it?”

“Yes, I think so. He's sticking round the office at any rate.”

“Hum-m-m! That's because it costs money to go anywhere else. Has he succeeded in raising a loan by assigning an interest in his inheritance?”

“No, not yet. I blocked him at all the banks and with my old friends, and I do not think he can borrow as much as he needs from any of his friends. They, like him of course, are dependent on their fathers' generosity.”

“Fine way to raise a boy! Bully. Well, I'll be down to your office in about an hour and take you and Joey to luncheon at India House. You haven't forgotten what I wrote you, Joe? You know your part, don't you? . . . Well, see that you play your hand well and we'll save that boy yet.”

Two hours later the Gurneys were lunching with Cappy Ricks at the one New York club to which Cappy belonged—quaint old India House in Hanover Square, haunt of shipping men and shippers, perhaps the best and least-known club in New York City. Joey had been unaffectedly glad to see his godfather; so much so, indeed, that Cappy rightly guessed Joey had designs on the Ricks pocketbook; for after all, as Cappy admitted to himself, he is a curmudgeon of a godfather indeed who will refuse to loan his godson a much needed twenty-five thousand dollars on gilt-edged security. In expectation of an application for a loan before the day should be done, however, Cappy was careful not to be alone with Joey for an instant, for something told him that only the presence of Gurney, Senior, kept Gurney Junior from promptly putting his fortune to the touch.

“Well, Joey, you young cut-up,” Cappy began as the trio settled in the smoking room and the waiter brought the coffee and cigars, “I see you're getting to be quite an amateur sailor. Your Dad tells me you won your last race with that schooner yacht of yours in rather pretty fashion.”