"Certainly it is. Most clubs are gambling clubs and drinking clubs. I don't suppose the True Blues gamble more than others, but I'll bet they don't gamble any less."

"Oh, Dick, Dick, I'm sorry to hear that. And, Dick, my darling boy, do you——"

"Do I gamble, mother? No, I don't. I know you'll believe me, though the old man won't. But it's true, nevertheless. I can't afford it, for it takes money to gamble, and I'm not as rich as old Hammond yet."

"Oh yes, Dick dear, and that reminds me. Another thing your father feared was that Mr. Hammond might come to know you were a member of the club. It might hurt your prospects in the bank," she added, not wishing to frighten the boy with the threat of the dismissal she felt sure would follow the revelation.

Dick threw back his head and roared. For the first time that evening the lines of care left his brow. Then seeing his mother's look of incomprehension, he sobered down, repressing his mirth with some difficulty.

"Mother," he said at last, "things have changed since father was a boy; I'm afraid he hardly appreciates how much. The old terrifying relations between employer and employee do not exist now—at least, that is my experience."

"Still if Mr. Hammond came to know that you spent your evenings at——"

"Mother, listen to me a moment. Mr. Julius Hammond proposed me for membership in the club—my employer! I should never have thought of joining if it hadn't been for him. You remember my last raise in salary? You thought it was for merit, of course, and father thought it was luck. Well, it was neither—or both, perhaps. Now, this is confidential and to yourself only. I wouldn't tell it to any one else. Hammond called me into his private office one afternoon when the bank was closed, and said, 'Saunders, I want you to join the Athletic Club; I'll propose you.' I was amazed and told him I couldn't afford it. 'Yes, you can,' he answered. 'I'm going to raise your salary double the amount of entrance fee and annual. If you don't join I'll cut it down.' So I joined. I think I should have been a fool if I hadn't."

"Dick, I never heard of such a thing! What in the world did he want you to join for?"

"Well, mother," said Dick, looking at his watch, "that's a long story. I'll tell it to you some other evening. I haven't time to-night. I must be off."