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 the deficit he was making. He knew too that some day there must come a reckoning, but against that inevitable day several hopes were cherished.

One was that old J. M., brooding genius of the Amalgamated National, might become appreciative and double Rollie's salary. Yet the heart of J. M. was traditionally so hard that this hope was comparatively feeble. In fact, Rollie would have confessed himself that the lottery ticket which he bought every week, and whereby he stood to win fifteen thousand dollars, was a more solid one. Besides this, hope had other resources. There were, for instance, the "ponies" which part of the year were galloping at Emeryville, only a few miles away, and there were other race tracks throughout the country, and pool rooms conveniently at hand. While Rollie was too timid to lose any great sum at these, nevertheless they proved a constant drain, and the only real asset of his almost daily venturing was the doubtful one of the friendship of "Spider" Welsh, the bookmaker.

Rollie's first test of this friendship was made necessary by the receipt of a letter notifying him that the executors of the estate which included the trust fund he had been looting would call the next day at eleven for a formal examination of the account. Rollie at the moment was more than fifteen hundred dollars short, and getting shorter. That night he went furtively through an alley to the back room of the bookmaker.

"Let me have seventeen hundred, Spider, for three days, and I'll give you my note for two thousand," he whispered nervously.

"What security?" asked the Spider, craft and money-lust swimming in his small, greenish-yellow eye.

"My signature's enough," said Rollie, bluffing weakly.

"Nothin' doin'," quoth the Spider decisively.