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 Martin talked for fifteen minutes with him, nor could Ruth have wished better behavior on her lover's part. Not once did his eyes flash nor his cheeks flush, while the calmness and poise with which he talked surprised her. But in Martin's estimation the whole tribe of bank cashiers fell a few hundred per cent, and for the rest of the evening he labored under the impression that bank cashiers and talkers of platitudes were synonymous phrases. The army officer he found good-natured and simple, a healthy, wholesome young fellow, content to occupy the place in life into which birth and luck had flung him. On learning that he had completed two years in the university, Martin was puzzled to know where he had stored it away. Nevertheless Martin liked him better than the platitudinous bank cashier.

"I really don't object to platitudes," he told Ruth later; "but what worries me into nervousness is the pompous, smugly complacent, superior certitude with which they are uttered and the time taken to do it. Why, I could give that man the whole history of the Reformation in the time he took to tell me that the Union-Labor Party had fused with the Democrats. Do you know, he skins his words as a professional poker-player skins the cards that are dealt out to him. Some day I'll show you what I mean."

"I'm sorry you don't like him," was her reply. "He's a favorite of Mr. Butler's. Mr. Butler says he is safe and honest—calls him the Rock, Peter, and says that upon him any banking institution can well be built."

"I don't doubt it—from the little I saw of him and the less I heard from him; but I don't think so much of banks as I did. You don't mind my speaking my mind this way, dear?"

"No, no; it is most interesting."

"Yes," Martin went on heartily, "I'm no more than a barbarian getting my first impressions of civilization. Such impressions must be entertainingly novel to the civilized person."

"What did you think of my cousins?" Ruth queried.