It is no cause of wonder, that in being so generous to some, he was forced to be unjust to others. He was still behindhand with his poor old washer-woman—owed for boarding, clothes, hats, boots, and a dozen other matters—and was, in consequence, a good deal harassed with duns. Still, he was called by some of his old cronies, "a fine, generous fellow." A few were rather colder in their expressions. He had borrowed money from them, and did not offer to return it; and he was such a generous-minded young man, that they felt a delicacy about calling his attention to it.

"Can you raise a couple of thousand dollars?" was asked of him by a friend, when he was twenty-seven years old. "If you can, I know a first-rate chance to get into business."

"Indeed! What is the nature of it?"

The friend told him all he knew, and he was satisfied that a better offering might never present itself. But two thousand dollars were indispensable.

"Can't you borrow it?" suggested the friend.

"I will try."

"Try your best. You will never again have such an opportunity."

Peyton did try, but in vain. Those who could lend it to him considered him "too good-hearted a fellow" to trust with money; and he was forced to see that tide, which if he could have taken it at the flood, would have led him on to fortune, slowly and steadily recede.

To Merwin the same offer was made. He had fifteen hundred dollars laid by, and easily procured the balance. No one was afraid to trust him with money.

"What a fool I have been!" was the mental exclamation of Peyton, when he learned that his fellow-clerk had been able, with his own earnings, on a salary no larger than his own, to save enough to embrace the golden opportunity which he was forced to pass by. "They call Merwin mean and selfish—and I am called a generous fellow. That means, he has acted like a wise man, and I like a fool, I suppose. I know him better than they do. He is neither mean nor selfish, but careful and prudent, as I ought to have been. His mother is poor, and so is mine. Ah, me!" and the thought of his mother caused him to clasp both hands against his forehead. "I believe two dollars of his salary have been sent weekly to his poor mother. But I have never helped mine a single cent. There is the mean man, and here is the generous one. Fool! fool! wretch! He has fifteen hundred dollars ahead, after having sent his mother one hundred dollars a year for five or six years, and I am over five hundred dollars in debt. A fine, generous fellow, truly!"