"How do you do, Mr. Phelps," McIlroy greeted him.

"Good afternoon," Mr. Phelps replied. "I'm here representing the Merchants' Bank Association."

"Fine," McIlroy said, "I suppose you're here to set up a bank."

"That's right, I just got in from Muroc last night, and I've been going over the assets of the Survey Credit Association all morning."

"I'll certainly be glad to get them off my hands," McIlroy said. "I hope they're in good order."

"There doesn't seem to be any profit," Mr. Phelps said.

"That's par for a nonprofit organization," said McIlroy. "But we're amateurs, and we're turning this operation over to professionals. I'm sure it will be to everyone's satisfaction."

"I know this seems like a silly question. What day is this?"

"Well," said McIlroy, "that's not so silly. I don't know either."

"Mrs. Garth," he called, "what day is this?"