And then there was the excitement of telling the family about it. He had an idea that his brother might be alarmed if he were told about the seriousness of the case; and so he simply said that the Judge had brought him a rich client, and that it was an insurance case. Oliver, who knew and cared nothing about law, asked no questions, and contented himself with saying, “I told you how easy it was to make money in New York, if only you knew the right people!” As for Alice, she had known all along that her cousin was a great man, and that clients would come to him as soon as he hung out his sign.

His sign was not out yet, by the way; that was the next thing to be attended to. He must get himself an office at once, and some books, and begin to read up insurance law; and so, bright and early the next morning, he took the subway down town.

And here, for the first time, Montague saw the real New York. All the rest was mere shadow—the rest was where men slept and played, but there was where they fought out the battle of their lives. Here the fierce intensity of it smote him in the face—he saw the cruel waste and ruin of it, the wreckage of the blind, haphazard strife.

It was a city caught in a trap. It was pent in at one end of a narrow little island. It had been no one’s business to foresee that it must some day outgrow this space; now men were digging a score of tunnels to set it free, but they had not begun these until the pressure had become unendurable, and now it had reached its climax. In the financial district, land had been sold for as much as four dollars a square inch. Huge blocks of buildings shot up to the sky in a few months—fifteen, twenty, twenty-five stories of them, and with half a dozen stories hewn out of the solid rock beneath; there was to be one building of forty-two stories, six hundred and fifty feet in height. And between them were narrow chasms of streets, where the hurrying crowds overflowed the sidewalks. Yet other streets were filled with trucks and heavy vehicles, with electric cars creeping slowly along, and little swirls and eddies of people darting across here and there.

These huge buildings were like beehives, swarming with life and activity, with scores of elevators shooting through them at bewildering speed. Everywhere was the atmosphere of rush; the spirit of it seized hold of one, and he began to hurry, even though he had no place to go. The man who walked slowly and looked about him was in the way—he was jostled here and there, and people eyed him with suspicion and annoyance.

Elsewhere on the island men did the work of the city; here they did the work of the world. Each room in these endless mazes of buildings was a cell in a mighty brain; the telephone wires were nerves, and by the whole huge organism the thinking and willing of a continent were done. It was a noisy place to the physical ear; but to the ear of the mind it roared with the roaring of a thousand Niagaras. Here was the Stock Exchange, where the scales of trade were held before the eyes of the country. Here was the clearing-house, where hundreds of millions of dollars were exchanged every day. Here were the great banks, the reservoirs into which the streams of the country’s wealth were poured. Here were the brains of the great railroad systems, of the telegraph and telephone systems, of mines and mills and factories. Here were the centres of the country’s trade; in one place the shipping trade, in another the jewellery trade, the grocery trade, the leather trade. A little farther up town was the clothing district, where one might see the signs of more Hebrews than all Jerusalem had ever held; in yet other districts were the newspaper offices, and the centre of the magazine and book-publishing business of the whole country. One might climb to the top of one of the great “sky-scrapers,” and gaze down upon a wilderness of houses, with roofs as innumerable as tree-tops, and people looking like tiny insects below. Or one might go out into the harbour late upon a winter afternoon, and see it as a city of a million lights, rising like an incantation from the sea. Round about it was an unbroken ring of docks, with ferry-boats and tugs darting everywhere, and vessels which had come from every port in the world, emptying their cargoes into the huge maw of the Metropolis.

And of all this, nothing had been planned! All lay just as it had fallen, and men bore the confusion and the waste as best they could. Here were huge steel vaults, in which lay many billions of dollars’ worth of securities, the control of the finances of the country; and a block or two in one direction were warehouses and gin-mills, and in another direction cheap lodging-houses and sweating-dens. And at a certain hour all this huge machine would come to a halt, and its millions of human units would make a blind rush for their homes. Then at the entrances to bridges and ferries and trams, would be seen sights of madness and terror; throngs of men and women swept hither and thither, pushing and struggling, shouting, cursing—fighting, now and then, in sudden panic fear. All decency was forgotten here—people would be mashed into cars like football players in a heap, and guards and policemen would jam the gates tight—or like as not be swept away themselves in the pushing, grunting, writhing mass of human beings. Women would faint and be trampled; men would come out with clothing torn to shreds, and sometimes with broken arms or ribs. And thinking people would gaze at the sight and shudder, wondering—how long a city could hold together, when the masses of its population were thus forced back, day after day, habitually, upon the elemental brute within them.

In this vast business district Montague would have felt utterly lost and helpless, if it had not been for that fifty thousand dollars, and the sense of mastery which it gave him. He sought out General Prentice, and under his guidance selected his suite of rooms, and got his furniture and books in readiness. And a day or two later, by appointment, came Mr. Hasbrook.

He was a wiry, nervous little man, who did not impress one as much of a personality; but he had the insurance situation at his fingers’ ends—his grievance had evidently wrought upon him. Certainly, if half of what he alleged were true, it was time that the courts took hold of the affair.

Montague spent the whole day in consultation, going over every aspect of the case, and laying out his course of procedure. And then, at the end, Mr. Hasbrook remarked that it would be necessary for them to make some financial arrangement. And the other set his teeth together, and took a tight grip upon himself, and said, “Considering the importance of the case, and all the circumstances, I think I should have a retainer of fifty thousand dollars.”