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Rh being a stranger to you. But just before his death I became well acquainted with your father, he spending with your mother six weeks at my country residence in Northampton. We met six years ago in New York, and traveled from that city to Chicago, and from there to St. Louis; so you will see that we became quite intimate.

"While stopping at my house your father expressed the fear that should he die suddenly while on his travels, and his wife also (odd, indeed, when such proved to be the case), your future might be an uncertain one. He said he had made a will, appointing his friend, John W. Banker of Locustville, New York State, to be your guardian, but was afraid you might not like the choice, or that this man might not treat you well.

"Never expecting that your father's end was near, I laughingly replied that I was sure he had done for the best. But he shook his head in doubt, and said men were strange, and often acted in a way least expected, which is certainly true. So I agreed, should anything happen to him, to keep an eye on you. I have not done so for the following reason:

"Following close upon your parents' death came the demise of my mother in Paris, and a week later, the failure of a banking house in South America, with which I was closely connected. After the