Mr. Strumley smiled ruefully. "And I guess it will be some of my 'spot cash,'" he ruminated. "I am not saying anything against your father, Bettina, but if it wasn't for such idle good-for-nothings as myself, who let their money accumulate in his bank, I doubt if he could swing many of these 'big deals.' If we were like he wanted us to be, we'd be swinging them ourselves."

After Mr. Strumley had finished his bit of philosophy, he fell to communing with himself. Apparently his own wisdom had stirred a new thought within his breast. It had. He was beginning to wonder what would happen if Bettina's father suddenly found himself bereft of sufficient "spot cash" to take advantage of this option. Anyone having a second call on same might be fortunate enough to swing the "big deal"—and profit by it, according to his intentions!

"Paul," Bettina broke in upon his meditations, a little note of hopeful pleading in her voice, "it might not be too late for you to—to reform?"

Mr. Strumley aroused himself with difficulty, and looked into her bewitching face before replying. Then: "Maybe you are right," he mused; "at any rate I have an idea." And kissing her thoughtfully, he strode down the steps toward where encouragingly panted his car.

The car proudly bore Mr. Strumley and his idea to the brand-new offices of a certain young friend of his who had himself only recently metamorphosed from the shell to the swivel chair. Mr. Greenlee looked up in mute surprise. But Mr. Strumley ignored it and came to the point with a rush. Did Mr. Greenlee have twenty thousand dollars in cash to spare? He did? Good! Would he lend it to Mr. Strumley on gilt-edge collateral? Never mind exclamations; they had no market value. Eight per cent. did. Then Mr. Greenlee was willing to make the loan? That was talking business; and Mr. Strumley with the securities would call in two hours for the cash. That would give Mr. Greenlee ample time in which to get it from his bank—the Commercial.

When outside Mr. Strumley allowed himself to smile. Suddenly this evidence of inward hilarity broadened into a heartily exploded greeting, as a familiar figure turned the corner and advanced directly toward him. It was another wealthy customer of the aforesaid bank.

"I was just on my way to your office, Mr. Proctor," Paul announced pleasantly, at the same time cautiously drawing to one side the customer of the Commercial. "I intend investing heavily in real estate," he vouchsafed with admirable sang-froid; "and need, right away, in spot cash, about thirty thousand dollars. Have you got that much to spare at 8 per cent., on first class security?"

Eight per cent! Mr. Proctor's expression expanded. He made his living by lending money for much less. If dear Mr. Strumley would call at his office within two hours he should have it every cent—just as soon as he could get a check cashed at the Commercial.

Next the faithful machine whirled Paul to the rooms of his staid attorney and general manager, Mr. John Edwards.

That elderly gentleman welcomed him with his nearest approach to a smile. But the young man was in no mood for an elaborate exchange of exhilarations. Without preface he inquired the amount of his deposit subject to check in the Commercial Bank. Fifty thousand dollars! A most delightful sum. He needed it every cent within an hour. Also he wanted from his safe-deposit box enough A1 collateral to secure loans of twenty and thirty thousand, respectively. But first would Mr. Edwards kindly call up and get second option on all Arkansas timber lands represented by Haynes, Forster & Company? Mr. Strumley believed that the first option was held by a local party. Furthermore he knew it expired to-day; and had reasons to believe that a local party would not be able to take advantage of it, and he, Mr. Strumley, thought that he could handle the property to a good purpose.