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 visitor from outside the city, might dine this visitor and wine him, might roll him far up the Piedmont Heights, and spread before his eye that wonderful picture of commercial and industrial life below, clasped on all sides by the blue breast and the silvery, horn-like arms of the Bay of San Francisco.

All these things, of course, involved expenditures of money as well as time. The bills for such expenditures Rollo might take to the president of the bank, who wrote upon them with his fat hand and a gold pencil, "O. K.—J. M." after which they were paid and charged to a certain account in the bank entitled: "Miscellaneous." This, not unnaturally, got Rollie, in the course of a couple of years, into luxurious habits. After eating a seven-dollar dinner with the financial man of a Chicago firm of bond dealers, it was not the easiest thing in the world to content himself the next day with the fifty-cent luncheon which his own salary permitted. Furthermore, Rollo, because of his standing at the bank and his social gifts, was drawn into clubs, played at golf, or dawdled in launches, yachts, or automobiles with young men of idle mind who were able to toss out money like confetti. It was inevitable that circumstances should arise under which Rollo also had to toss, or look to himself like the contemptible thing called "piker." Consequently, he frequently tossed more than he could afford, and eventually more than he had.

To meet this drain upon resources the debonair youth did not possess, Rollie resorted to undue fattening of his expense accounts, but, when the amounts became too large to be safely concealed by this means from the scrutiny of J. M., he had dangerous recourse to misuse of checks upon a certain trust fund of which he was the custodian. He did this reluctantly, it must be understood, and was always appalled by the increasing size of