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 moment. It was characteristic that he should display the bank book to Dolf and to Bill, but should show it to nobody at home.

The day he made his second deposit, Old Man Clud was just ahead of him in the line that ran to the receiving teller's window. The lender's overcoat was buttoned about him, he seemed cold, and yet an almost imperceptible dew of perspiration was faintly beaded on his fat cheeks. He handed in his pass book, and Bert saw the bills on top of it were many. The man's eyes never left the money while the teller counted it. Afterwards he walked as far as the bank lobby, paused, and drew a red memorandum book from his pocket. Into this he copied something from his bank record. It was as though he did not entirely trust the bank, but must have some private reckoning of his own. He was slipping the bank book into a pocket when Bert came along on his way to the street.

"Good afternoon, my young friend," Old Man Clud wheezed. "I see you are following the path of wisdom. The man with money ahead can snap his fingers at the world. He does not go to his bed at night worrying about what will happen in the morning. You may have heard people call me a miser?" Old Man Clud's glance was shrewd.

Bert shook his head. "No, sir."

The man laughed a silent laugh that shook his