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24 even larger; for I designed and cast with my own hand a hot-air grating for the offices, which had the luck or merit to be accepted. The energy and aptitude which I displayed throughout delighted and surprised my father, and I believe, although I say it whose tongue should be tied, that they alone prevented Muskegon capitol from being the eyesore of my native State.

Altogether, I was in a cheery frame of mind when I returned to the commercial college; and my earlier operations were crowned with a full measure of success. My father wrote and wired to me continually. “You are to exercise your own judgment, Loudon,” he would say. “All that I do is to give you the figures; but whatever operation you take up must be upon your own responsibility, and whatever you earn will be entirely due to your own dash and forethought.” For all that, it was always clear what he intended me to do, and I was always careful to do it. Inside of a month I was at the head of seventeen or eighteen thousand dollars, college paper. And here I fell a victim to one of the vices of the system. The paper (I have already explained) had a real value of one per cent.; and cost, and could be sold for, currency. Unsuccessful speculators were thus always selling clothes, books, banjos, and sleeve-links, in order to pay their differences; the successful, on the other hand, were often tempted to realise, and enjoy some return upon their profits. Now I wanted thirty dollars' worth of artist-truck, for I was always sketching in the woods; my allowance was for the time exhausted; I had begun to regard the exchange (with my father's help) as a place where money was to be got for stooping; and in an evil hour I realised three thousand dollars of the college paper and bought my easel.

It was a Wednesday morning when the things arrived, and set me in the seventh heaven of satis-