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Title: Broken to the Plow

Author: Charles Caldwell Dobie

Release Date: August 14, 2004 [EBook #13178]

Language: English

Character set encoding: ISO-8859-1

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BROKEN TO THE PLOW

A Novel by

CHARLES CALDWELL DOBIE

_Author of_ "THE BLOOD RED DAWN"



HARPER & BROTHERS PUBLISHERS

NEW YORK AND LONDON



       *       *       *       *       *

Printed in the United States of America

TO MY BROTHER
Who Helped Make My Literary Career Possible.




BROKEN TO THE PLOW




CHAPTER I


Toward four o'clock in the afternoon Fred Starratt remembered that he
had been commissioned by his wife to bring home oyster cocktails for
dinner. Of course, it went without saying that he was expected to
attend to the cigars. That meant he must touch old Wetherbee for
money. Five dollars would do the trick, but, while he was about it, he
decided that he might as well ask for twenty-five. There were bound to
be other demands before the first of the month, and the hard-fisted
cashier of Ford, Wetherbee & Co. seemed to grow more and more crusty
over drafts against the salary account. If one caught him in a good
humor it was all right. Usually a _risqué_ story was the safest road
to geniality. Starratt raked his brains for a new one, to no purpose.
Every moment of delay added greater certainty to the conviction that
he was in for a disagreeable encounter. At four o'clock Wetherbee
always began to balance his cash for the day and he was particularly
vicious at any interruptions during this precise performance. What in
the world had possessed Helen to give this absurd dinner party to two
people Starratt had never met? At least she might have put the thing
off until pay day, when money was more plentiful.

How did others manage? Starratt asked himself. Because there was a
small minority in the office who received their full month's salary
without a break during the entire year. Take young Brauer, for
instance. He got a little over a hundred a month and yet he never
seemed short. He dressed well, too--or neatly, to be nearer the truth;
there was no great style to his make-up. Of course, Brauer was not
married, but Starratt could never remember a time, even before he took
the plunge into matrimony, when he was not going through the motions
of smoothing old Wetherbee into a good-humored acceptance of an IOU
tag. Starratt did not think himself extravagant, and it always had
puzzled him to observe how free some of his salaried friends were with
their coin. Only that morning his wife had reflected his own mood with
exaggerated petulancy when she had said:

"I'm sure I don't know where all the money goes! We don't spend it on
cafés, and we haven't a car, and goodness knows I only buy what I have
to when it comes down to clothes."

What she _had_ to! He thought over the phrase not with any desire to
put Helen in the pillory, but merely to uncover, if possible, the
source of their economic ills.

In days gone by, when his mother was alive, he had heard almost the
same remark leveled at his father:

"Well, I suppose _some_ people could save on our income. But we've got
to be decent--we can't go about in rags!"

He knew from long experience just the sort his mother had meant by the
term "some people." Brauer was a case in point. Mrs. Starratt always
spoke of such as he with lofty tolerance.

"Oh, of course, _foreigners_ always get on! They're accustomed to live
that way!"

Fred Starratt had not altogether accepted his mother's philosophy that
everybody lacking the grace of an Anglo-Saxon or Scotch name was a
foreigner. There were times when he was given to wonder vaguely why
the gift of "getting on" had been given to "foreigners" and denied
him. Once in a while he rebelled against the implied gentility which
had been wished on him. Were rags necessary to achieve economy?
Granting the premises, in moments of rare revolt he became hospitable
to any contingency that would free him from the ever-present
humiliation of an empty purse.

He soon had learned that the term "rags" was a mere figure of speech,
which stood for every pretense offered up as a sacrifice upon the
altar of appearances. His mother had never been a spendthrift and
certainly one could not convict Helen on such a charge. But they both
had one thing in common--they "had to have things" for almost any and
every occasion. If a trip were planned or a dancing party arranged or
a tea projected--well, one simply couldn't go looking like a fright,
and that was all there was to it. His father never thought to argue
such a question. Women folks had to have clothes, and so he accepted
the situation with the philosophy born of bowing gracefully to the
inevitable. But Starratt himself occasionally voiced a protest.

"Nothing to wear?" he would echo, incredulously. "Why, how about that
pink dress? That hasn't worn out yet."

"No, that's just it! It simply won't! I'm sick and tired of putting it
on. Everybody knows it down to the last hook and eye... Oh, well, I'll
stay home. It isn't a matter of life and death. I've given things up
before."

When a woman took that tone of martyrdom there really was nothing to
do but acknowledge defeat. Other men were able to provide frocks for
their wives and he supposed he ought to be willing to do the same
thing. There was an element of stung pride in his surrender. He had
the ingrained Californian's distaste for admitting, even to himself,
that there was anything he could not afford. And in the end it was
this feeling rising above the surface of his irritation which made him
a bit ashamed of his attitude toward Helen's dinner party. After all,
it would be the same a thousand years from now. A man couldn't have
his cake and eat it, and a man like Brauer must live a dull sort of
life. What could be the use of saving money if one forgot how to spend
it in the drab process? As a matter of fact, old Wetherbee wouldn't
gobble him. He'd grunt or grumble or even rave a bit, but in the end
he would yield up the money. He always did. And suddenly, while his
courage had been so adroitly screwed to the sticking point, he went
over to old Wetherbee's desk without further ado.

The cashier was absorbed in adding several columns of figures and he
let Starratt wait. This was not a reassuring sign. Finally, when he
condescended to acknowledge the younger man's presence he did it with
the merest uplift of the eyebrows. Starratt decided at once against
pleasantries. Instead, he matched Wetherbee's quizzical pantomime by
throwing the carefully written IOU tag down on the desk.

Wetherbee tossed the tag aside. "You got twenty-five dollars a couple
of days ago!" he bawled out suddenly.

Starratt was surprised into silence. Old Wetherbee was sometimes given
to half-audible and impersonal grumblings, but this was the first time
he had ever gone so far as to voice a specific objection to an appeal
for funds.

"What do you think this is?" Wetherbee went on in a tone loud enough
to be heard by all the office force. "The Bank of England?... I've got
something else to do besides advance money every other day to a bunch
of joy-riding spendthrifts. In my day a young man ordered his
expenditures to suit his pocketbook. We got our salary once a month
and we saw to it that it lasted... What's the matter--somebody sick at
home?"

Starratt could easily have lied and closed the incident quickly, but
an illogical pride stirred him to the truth.

"No," he returned, quietly, "I'm simply short. We're having some
company in for dinner and there are a few things to get--cigars
and--well, you know what."

Wetherbee threw him a lip-curling glance. "Cigars? Well, twopenny
clerks do keep up a pretty scratch and no mistake. In my day--"

Starratt cut him short with an impatient gesture.

"Times have changed, Mr. Wetherbee."

"Yes, I should say they have," the elder man sneered, as he reached
for the key to the cash drawer.

For a moment Starratt felt an enormous relief at the old man's
significant movement. He was to get the money, after all! But almost
at once he was moved to sudden resentment. What right had Wetherbee to
humiliate him before everybody within earshot? He knew that the eyes
of the entire force were being leveled at him, and he felt a surge of
satisfaction as he said, very distinctly:

"Don't bother, Mr. Wetherbee... It really doesn't make the slightest
difference. I'll manage somehow."

Old Wetherbee shrugged and went on adding figures. Starratt felt
confused. The whole scene had fallen flat. His suave heroics had not
even made Wetherbee feel cheap. He went back to his desk.

Presently a hand rested upon his shoulder. He knew Brauer's fawning,
almost apologetic, touch. He turned.

"If you're short--" Brauer was whispering.

Starratt hesitated. Deep down he never had liked Brauer; in fact, he
always had just missed snubbing him. Still it was decent of Brauer
to...

"That's very kind, I'm sure. Could you give me--say, five dollars?"

Brauer thrust two lean, bloodless fingers into his vest pocket and
drew out a crisp note.

"Thanks, awfully," Starratt said, quickly, as he reached for the
money.

Brauer's face lit up with a swift glow of satisfaction. Starratt
almost shrank back. He felt a clammy hand pressing the bill against
his palm.

"Thanks, awfully," he murmured again.

Brauer dropped his eyes with a suggestion of unpleasant humility.

"I wish," flashed through Starratt's mind, "that I had asked for ten
dollars."

       *       *       *       *       *

As Fred Starratt came down the steps leading from the California
Market with a bottle of oyster cocktails held gingerly before him he
never remembered when he had been less in the mood for guests. A
passing friend invited him to drop down for a drink at Collins &
Wheeland's, but the state of his finances urged a speedy flight home
instead. At this hour the California Street cars were crowded, but he
managed to squeeze into a place on the running board. He always
enjoyed the glide of this old-fashioned cable car up the stone-paved
slope of Nob Hill, and even the discomfort of a huddled foothold was
more than discounted by the ability to catch backward glimpses of city
and bay falling away in the slanting gold of an early spring twilight
like some enchanted and fabulous capital.

At Hyde Street he changed cars, continuing his homeward flight in the
direction of Russian Hill. He prided himself on the fact that he still
clung to one of the old quarters of the town, scorning the outlying
districts with all the disdain of a San Franciscan born and bred of
pioneer stock. He liked to be within easy walking distance of work,
and only a trifle over fifteen minutes from the shops and cafés and
theaters. And his present quarters in a comparatively new apartment
house just below the topmost height of Green Street answered these
wishes in every particular.

On the Hyde Street car he found a seat, and, without the distraction
of maintaining his foothold or the diversion of an unfolding panorama,
his thoughts turned naturally on his immediate problems. The five
dollars had gone a ridiculously small way. Four oyster cocktails came
to a dollar and a quarter, and he had to have at least six cigars at
twenty-five cents apiece. This left him somewhat short of the maid's
wage of three dollars for cooking and serving dinner and washing up
the dishes. If Helen had engaged Mrs. Finn, everything would be all
right. She knew them and she would wait. Still, he didn't like putting
anybody off--he was neither quite too poor nor quite too affluent to
be nonchalant in his postponement of obligations.

When he arrived home he found that Helen had been having her troubles,
too. Mrs. Finn had disappointed her and sent a frowsy female, who
exuded vile whisky and the unpleasant odors of a slattern.

"I think she's half drunk," Helen had confessed, brutally. "You can't
depend on anyone these days. Servants are getting so independent!"

The roast had been delivered late, too, and when Helen had called up
the shop to protest she had been met with cool insolence.

"I told the boy who talked to me that I'd report him to the boss. And
what do you suppose he said? 'Go as far as you like! We're all going
out on a strike next week, so we should worry!' Fancy a butcher
talking like that to me! I don't know what things are coming to."

Frankly, neither did Fred Starratt, but he held his peace. He was
thinking just where he would gather enough money together to pay Mrs.
Finn's questionable substitute.

The guests arrived shortly and there were the usual stiff, bromidic
greetings. Mrs. Hilmer had been presented to Fred first ... a little,
spotless, homey Scandinavian type, who radiated competent housekeeping
and flawless cooking. The Starratts had once had just such a
shining-faced body for a neighbor--a woman who ran up the back stairs
during the dinner hour with a bit of roasted chicken or a pan of
featherweight pop-overs or a dish of crumbly cookies for the children.
Mrs. Starratt, senior, had acknowledged her neighbor's culinary merits
ungrudgingly, tempering her enthusiasm, however, with a swift dab of
criticism directed at the lady's personality.

"My, but isn't she Dutch, though!" frequently had escaped her.

Somehow the characterization had struck Fred Starratt as very apt even
in his younger days. And as he shook hands with Mrs. Hilmer these same
words came to mind.

Hilmer disturbed him. He was a huge man with a rather well-chiseled
face, considering his thickness of limb, and his blond hair fell in an
untidy shower about his prominent and throbbing temples. Fred felt him
to be a man without any inherited social graces, yet he contrived to
appear at ease. Was it because he was disposed to let the women
chatter? No, that could not account for his acquired suavity, for
silence is very often much more awkward than even clumsy attempts at
speech.

As the dinner progressed, Fred Starratt began to wonder just what had
tempted Helen to arrange this little dinner party for the Hilmers.
When she had broached the matter, her words had scarcely conveyed
their type. A woman who had helped his wife out at the Red Cross
Center during the influenza epidemic could be of almost any pattern.
But immediately he had gauged her as one of his wife's own kind. Helen
and her women friends were not incompetent housewives, but their
efforts leaned rather to an escape from domestic drudgery than to a
patient yielding to its yoke. If they discussed housekeeping at all,
it was with reference to some new labor-saving device flashing across
the culinary horizon. But Mrs. Hilmer's conversation thrilled with the
pride of her gastronomic achievements without any reference to the
labor involved. She invested her estate as housekeeper for her husband
with a commendable dignity. It appeared that she took an enormous
amount of pains with the simplest dishes. It was incredible, for
instance, how much thought and care and time went into a custard which
she described at great length for Helen's benefit.

"But that takes hours and _hours_!" Helen protested.

"But it's a real custard," Hilmer put in, dryly.

Fred Starratt felt himself flushing. Hilmer's scant speech had the
double-edged quality of most short weapons. Could it be that his guest
was sneering by implication at the fare that Helen had provided? No,
that was hardly it, because Helen had provided good fare, even if she
had prepared most of it vicariously. Hilmer's covert disdain was more
impersonal, yet it remained every whit as irritating, for all that.
Perhaps a bit more so, since Fred Starratt found it hard to put a
finger on its precise quality. He had another taste of it later when
the inevitable strike gossip intruded itself. It was Helen who opened
up, repeating her verbal passage with the butcher.

"They want eight hours a day and forty-five dollars a week," she
finished. "I call that ridiculous!"

"Why?" asked Hilmer, abruptly.

"For a butcher?" Helen countered, with pained incredulity.

"How long does your husband work?" Hilmer went on, calmly.

"I'm sure I don't know. How long do you work, Fred?"

Starratt hesitated. "Let me see ... nine to twelve is three hours ...
one to five is four hours--seven in all."

Hilmer smiled with cryptic irritation. "There you have it!... What's
wrong with a butcher wanting eight hours?"

Helen shrugged. "Well, a butcher doesn't have to use his brains very
much!" she threw out, triumphantly.

"And your husband does. I see!"

Starratt winced. He felt his wife's eye turned expectantly upon him.
"Seven hours is a normal day's work," he put in, deciding to ignore
Hilmer's insolence, "but as an employer of an office force you must
know how much overtime the average clerk puts in. We're not afraid to
work a little bit more than we're paid for. We're thinking of
something else besides money."

Hilmer buttered a roll. "What, for instance?"

"Why, the firm's interest ... our own advancement, of course ... the
enlarged capacity that comes with greater skill and knowledge." He
leaned back in his seat with a self-satisfied smile.

Hilmer laid down his butter knife very deliberately. "That's very well
put," he said; "very well put, indeed! And would you mind telling me
just what your duties are in the office where you work?"

"I'm in the insurance business ... fire. We have a general agency here
for the Pacific coast. That means that all the subagents in the
smaller towns report the risks they have insured to us. I'm what they
call a map clerk. I enter the details of every risk on bound maps of
the larger towns which every insurance company is provided with. In
this way we know just how much we have at risk in any building, block,
or section of any city. And we are able to keep our liability within
proper limits."

"You do this same thing ... for seven hours every day ... not to speak
of overtime?"

"Yes."

"And how long have you been doing this?"

"About five years."

"And how long will you continue to do it?"

"God knows!"

Hilmer rested both hands on the white cloth. They were shapely hands
in spite of their size, with healthy pink nails, except on a thumb and
forefinger, which had been badly mangled. "For five years you have
worked seven hours every day on this routine ... and in order to
enlarge your capacity and skill and knowledge you have worked many
hours overtime on this same routine, I suppose without any extra
pay... It seems to me that a man who only gets a chance to exercise
with dumb-bells might keep in condition, but he'd hardly grow more
skillful... Of course, that still leaves two theories intact--working
for your own advancement ... and the interest of your firm. I suppose
the advancement _has_ come, I suppose you've been paid for your
overtime ... in increased salary."

Helen made a scornful movement. "If you call an increase of ten
dollars a month in two years an advancement," she ventured, bitterly.

Starratt flushed.

"That leaves only one excuse for overtime. And that excuse is usually
a lie. Why should you have the interest of your firm at heart when it
does nothing for you beyond what it is forced to do?"

Fred Starratt bared his teeth in sudden snapping anger. "Well, and
what do _you_ do, Mr. Hilmer, for your clerks?"

"Nothing ... absolutely nothing ... unless they demand it. And even
then it's only the exceptional man who can force me into a corner. The
average clerk in any country is like a gelded horse. He's been robbed
of his power by education ... of a sort. He's a reasonable, rational,
considerate beast that can be broken to any harness."

"What do you want us to do? Go on a strike and heave bricks into your
plate-glass window?... What would you do in our place?"

"I wouldn't be there, to begin with. I've heaved bricks in my day." He
leaned forward, exhibiting his smashed thumb and forefinger. "I killed
the man who did that to me. I was born in a Norwegian fishing village
and after a while I followed the sea. That's a good school for action.
And what education you get is thrashed into you. The little that
sticks doesn't do much more than toughen you. And if you don't want
any more it does well enough. Later on, if you have a thirst for
knowledge, you drink the brand you pick yourself and it doesn't go to
your head. Now with you ... you didn't have any choice. You drank up
what they handed out and, at the age when you could have made a
selection, your taste was formed ... by _others_... I don't mind
people kicking at the man who works with his hands if they know what
they're talking about. But most of them don't. They get the thing
second hand. They're chock full of loyalty to superiors and systems
and governments, just from habit... I've worked with my hands, and
I've fought for a half loaf of bread with a dirk knife, and I know all
the dirty, rotten things of life by direct contact. So when I disagree
with the demands of the men who build my vessels I know why I'm
disagreeing. And I usually do disagree ... because if they've got guts
enough in them they'll fight. And I like a good fight. That's why
potting clerks is such a tame business. It's almost as sickening as a
rabbit drive."

He finished with a gesture of contempt and reached for his goblet of
water.

Starratt decided not to dodge the issue; if Hilmer wished to throw any
further mud he was perfectly ready to stand up and be the target.

"Well, and what's the remedy for stiffening the backbone of my sort?"
he asked, with polite insolence.

"Stiffening the backbone of the middle class is next to impossible.
They've been bowing and scraping until there's a permanent kink in
their backs!"

"The 'middle class'?" Helen echoed, incredulously.

Hilmer was smiling widely. There was a strange, embarrassed silence.
Starratt was the first to recover himself. "Why, of course!... Why
not? You didn't think we belonged to any other class, did you?"

It was Mrs. Hilmer who changed the subject. "What nice corn pudding
this is, Mrs. Starratt! Would you mind telling me how you made it?"

Hostilities ceased with the black coffee, and in the tiny living room
Hilmer grew almost genial. His life had been varied and he was rather
proud of it--that is, he was proud of the more sordid details, which
he recounted with an air of satisfaction. He liked to dwell on his
poverty, his lack of opportunity, his scant education. He had the
pride of his achievements, and he was always eager to throw them into
sharper relief by dwelling upon the depths from which he had sprung.
He had his vulgarities, of course, but it was amazing how well
selected they were--the vulgarities of simplicity rather than of
coarseness. And while he talked he moved his hands unusually for a man
of northern blood, revealing the sinister thumb and forefinger, which
to Fred Starratt grew to be a symbol of his guest's rough-hewn power.
Hilmer was full of raw-boned stories of the sea and he had the
seafarer's trick of vivid speech. Even Helen Starratt was absorbed ...
a thing unusual for her. At least in her husband's hearing she always
disclaimed any interest in the brutalities. She never read about
murders or the sweaty stories in the human-interest columns of the
paper or the unpleasant fictioning of realists. Her excuse was the
threadbare one that a trivial environment always calls forth, "There
are enough unpleasant things in life without reading about them!"

The unpleasant things in Helen Starratt's life didn't go very far
beyond half-tipsy maids and impertinent butcher boys.

Hilmer's experiences were not quite in the line of drawing-room
anecdotes, and Starratt had seen the time when his wife would have
recoiled from them with the disdainful grace of a feline shaking
unwelcome moisture from its paws. But to-night she drew her dark
eyebrows together tensely and let her thin, vivid lips part with frank
eagerness. Her interest flamed her with a new quality. Fred Starratt
had always known that his wife was attractive; he would not have
married her otherwise; but, as she leaned forward upon the arm of her
chair, resting her elbows upon an orange satin pillow, he saw that she
was handsome. And, somehow, the realization vaguely disturbed him.

Hilmer's stories of prosperity were not so moving. From a penniless
emigrant in New York until he had achieved the distinction of being
one of the leading shipbuilders of the Pacific coast, his narrative
steadily dwindled in power, the stream of his life choked with
stagnant scum of good fortune. Indeed, he grew so dull that Helen
Starratt, stifling a yawn, said:

"If it's not too personal ... won't you please tell us ... about ...
about the man you killed for smashing your thumb?"

He laughed with charming naivete, and began at once. But it was all
disappointingly simple. It had happened aboard ship. A hulking Finn,
one of the crew's bullies, had accused Hilmer of stealing his tobacco.
A scuffle followed, blows, blood drawn. Upon the slippery deck Hilmer
had fallen prone in an attempt to place a swinging blow. The Finn had
seized this opportunity and flung a bit of pig iron upon Hilmer's
sprawling right hand. Hilmer had leaped to his feet at once and,
seizing the bar of iron in his dripping fingers, had crushed the
bully's head with one sure, swift blow.

"He fell face downward ... his head split open like a rotten melon."

Helen Starratt shuddered. "How ... how perfectly fascinating!" escaped
her.

Starratt stared. He had never seen his wife so kindled with morbid
excitement.

"I ... I thought you didn't like to hear unpleasant stories," he threw
at her, disagreeably.

She tossed the flaming cushion, upon which she had been leaning, into
a corner, a certain insolence in her quick gesture.

"I don't like to _read_ about them," she retorted, and she turned a
wanton smile in the direction of Hilmer.

At this juncture the maid opened the folding doors between the dining
room and the living room. She had on her hat and coat, and, as she
retreated to the kitchen, Helen Starratt flashed a significant look at
her husband.

He followed the woman reluctantly. When he entered the kitchen she was
leaning against the sink, smoothing on a pair of faded silk gloves.

"I'm sorry," he began, awkwardly, "but I forgot to cash a check
to-day. How much do you charge?"

The woman's hands flew instinctively to her hips as she braced herself
into an attitude of defiance.

"Three dollars!" she snapped. "And my car fare."

He searched his pockets and held out a palm filled with silver for her
inspection. "I've just got two forty," he announced, apologetically.
"You see, we usually have Mrs. Finn. She knows us and I felt sure
she'd wait until next time. If you give me your address I can send you
the difference to-morrow."

She tossed back her head. "Nothing doing!" she retorted. "I don't give
a damn what you thought. I want my money now or, by Gawd, I'll start
something!"

Her voice had risen sharply. Starratt was sure that everybody could
hear.

"I haven't got three dollars," he insisted, in a low voice. "Can't you
see that I haven't?"

"Ask your wife, then."

"She hasn't a cent... I should have cashed a check to-day, but I
forgot... You forget things sometimes, don't you?"

He was conscious that his voice had drawn out in a snuffling appeal,
but he simply had to placate this female ogress in some way.

"Ask your swell friends, then."

"Why, I can't do that... I don't know them well enough. This is the
first time--"

She cut him short with a snap of her ringers. "You don't know me,
either ... and I don't know you. That's the gist of the whole thing.
If you can ask a strange woman who's done an honest night's work to
wait for her money, you can ask a strange man to lend you sixty
cents... And, what's more, I'll wait right here until you do!"

"Well, wait then!" he flung out, suddenly, as he pocketed the silver.

He kicked open the swinging door and gained the dining room. She
followed close upon his heels.

"Oh, I know your kind!" he heard her spitting out at him. "You're a
cheap skate trying to put up a front! But you won't get by with me,
not if I know it!... You come through with three dollars or I'll wreck
this joint!"

A crash followed her harangue. Starratt turned. A tray of Haviland
cups and saucers lay in a shattered heap upon the floor.

He raised a threatening finger at her. "Will you be good enough to
leave this house!" he commanded.

She thrust a red-knuckled fist into his face. "Not much I won't!" she
defied him, swinging her head back and forth.

He fell back sharply. What was he to do? He couldn't kick her out...
He heard a chair scraped back noisily upon the hardwood floor of the
living room. Presently Hilmer stood at his side.

"Let me handle her!" Hilmer said, quietly.

Starratt gave a gesture of assent.

His guest took one stride toward the obstreperous female. "Get out!
Understand?"

She stopped the defiant seesawing of her head.

"Wot in hell..." she was beginning, but her voice suddenly broke into
tearful blubbering. "I'm a poor, lone widder woman--"

He took her arm and gave her a significant shove.

"Get out!" he repeated, with brief emphasis.

She cast a look at him, half despair and half admiration. He pointed
to the door. She went.

Hilmer laughed and regained the living room. Starratt hesitated.

"I guess I'd better pick up the mess," he said, with an attempt at
nonchalance.

Nobody made any reply. He bent over the litter. Above the faint tinkle
of shattered porcelain dropping upon the lacquered tray he heard his
wife's voice cloying the air with unpleasant sweetness as she said:

"Oh yes, Mr. Hilmer, you were telling us about the time you fought a
man with a dirk knife ... for a half loaf of bread."




CHAPTER II


When the Hilmers left, about half past eleven, Starratt went down to
the curb with them, on the pretext of looking at Hilmer's new car. It
proved to be a very late and very luxurious model.

"Is it insured?" asked Starratt, as he lifted Mrs. Hilmer in.

"What a hungry bunch you insurance men are!" Hilmer returned. "You're
the fiftieth man that's asked me that."

Starratt flushed. The business end of his suggestion had been the last
thing in his mind. He managed to voice a commonplace protest, and
Hilmer, taking his place at the wheel, said:

"Come in and talk it over sometime... Perhaps _you_ can persuade me."

Starratt smiled pallidly and the car shot forward. He watched it out
of sight. Instead of going back into the house he walked aimlessly
down the block. He had no objective beyond a desire to kill the time
and give Helen a chance to retire before he returned. He wasn't in a
mood for talking.

It was not an unusual thing for him to take a stroll before turning
in, and habit led him along a beaten path. He always found it
fascinating to dip down the Hyde Street hill toward Lombard Street,
where he could glimpse both the bay and the opposite shore. Then, he
liked to pass the old-fashioned gardens spilling the mingled scent of
heliotrope and crimson sage into the lap of night. There was something
fascinating and melancholy about this venerable quarter that had been
spared the ravages of fire ... overlooked, as it were, by the
relentless flames, either in pity or contempt. There had been
marvelous tales concerning this section's escape from the holocaust of
1906, when San Francisco had been shaken by earthquake and shriveled
by flames. One house had been saved by a crimson flood of wine
siphoned from its fragrant cellar, another by pluck and a garden hose,
a third by quickly hewn branches of eucalyptus and cypress piled
against the outside walls as a screen to the blistering heat. Trees
and hedges and climbing honeysuckle had contributed, no doubt, to the
defense of these relics of a more genial day, but the dogged
determination of their owners to save their old homes at any cost must
have been the determining factor, Starratt had often thought, as he
lingered before the old picket fences, in an attempt to revive his
memories of other days. He could not remember, of course, quite back
to the time when the Hyde Street hill had been in an opulent heyday,
but the flavor of its quality had trickled through to his generation.
This was the section where his mother had languished in the prim gloom
of her lamp-shaded parlor before his father's discreet advances. The
house was gone ... replaced by a bay-windowed, jig-sawed horror of the
'80s, but the garden still smiled, its quaint fragrance reënforced at
the proper season by the belated blossoms of a homesick and
wind-bitten magnolia. He was sure, judged by present-day standards,
that his mother's old home must have been a very modest, genial sort
of place ... without doubt a clapboard, two-storied affair with a
single wide gable and a porch running the full length of the front.
But, in a day when young and pretty women were at a premium, one did
not have to live in a mansion to attract desirable suitors, and Fred
Starratt had often heard his mother remind his father without
bitterness of the catches that had been thrown her way. Not that
Starratt, senior, had been a bad prospect matrimonially. Quite the
contrary. He had come from Boston in the early '70s, of good
substantial family, and with fair looks and a capacity for getting on.
Likewise, a chance for inside tips on the stock market, since he had
elected to go in with a brokerage firm. And so they were married, with
all of conservative San Francisco at the First Unitarian Church to see
the wedding, leavened by a sprinkling of the very rich and a dash of
the ultrafashionable. Unfortunately, the inside tips didn't pan out
... absurd and dazzling fortune was succeeded by appalling and
irretrievable failure. Starratt, senior, was too young a man to
succumb to the scurvy trick of fate, but he never quite recovered.
Gradually the Starratt family fell back a pace. To the last there were
certain of the old guard who still remembered them with bits of
coveted pasteboard for receptions or marriages or anniversary
celebrations ... but the Starratts became more and more a memory
revived by sentiment and less and less a vital reality.

Fred Starratt used to speculate, during his nocturnal wandering among
the shadows of his parents' youthful haunts, just what his position
would have been had these stock-market tips proved gilt edged. He
tried to imagine himself the master of a splendid estate down the
peninsula--preferably at Hillsboro--possessed of high-power cars and a
string of polo ponies ... perhaps even a steam yacht... But these
dazzling visions were not always in the ascendant. There were times
when a philanthropic dream moved him more completely and he had naïve
and varied speculations concerning the help that he could have placed
in the way of the less fortunate had he been possessed of unlimited
means. Or, again, his hypothetical wealth put him in the way of the
education that placed him easily at the top of a stirring profession.

"If I'd only had half a chance!" would escape him.

This was a phrase borrowed unconsciously from his mother. She was
never bitter nor resentful at their profitless tilt with fortune
except as it had reacted on her son.

"You should have gone to college," she used to insist, regretfully,
summing up by implication his lack of advancement. At first he took a
measure of comfort in her excuse; later he came to be irritated by it.
And in moments of truant self-candor he admitted he could have made
the grade with concessions to pride. There were plenty of youths who
worked their way through. But he always had moved close to the edge of
affluent circles, where he had caught the cold but disturbing glow of
their standards. He left high school with pallid ideals of gentility,
ideals that expressed themselves in his reasons for deciding to enter
an insurance office. Insurance, he argued, was a _nice_ business, one
met _nice_ people, one had _nice_ hours, one was placed in _nice_
surroundings. He had discovered later that one drew a _nice_ salary,
too. Well, at least, he had had the virtue of choosing without a very
keen eye for the financial returns.

Ten years of being married to a woman who demanded a _nice_ home and
_nice_ clothes and a circle of _nice_ friends had done a great deal
toward making him a little skeptical about the soundness of his
standards. But his moments of uncertainty were few and fleeting,
called into life by such uncomfortable circumstances as touching old
Wetherbee for money or putting his tailor off when the date for his
monthly dole fell due. He had never been introspective enough to quite
place himself in the social scale, but when, in his thought or
conversation, he referred to people of the _better class_ he
unconsciously included himself. He was not a drunken, disorderly, or
radical member of society, and he didn't black boots, or man a ship,
or sell people groceries, or do any of the things that were done in
overalls and a soft shirt, therefore it went without saying that he
belonged to the better class. That was synonymous with admitting that
one kept one's ringer nails clean and used a pocket handkerchief.

Suddenly, with the force of a surprise slap in the face, it had been
borne in upon him that he was not any of the fine things he imagined.
He was sure that his insolent guest, Hilmer, had not meant to be
disagreeable at the moment when he had said:

"Stiffening the backbone of the _middle class_ is next to impossible!"

"The middle class"! The phrase had brought up even Helen Starratt with
a round turn. One might have called them both peasants with equal
temerity. No, Hilmer had not made _that_ point consciously, and
therein lay its sting.

To-night, as he accomplished his accustomed pilgrimage to the tangible
shrine of his ancestors, and stood leaning against the gate which
opened upon the garden that had smiled upon his mother's wooing, he
determined once and for all to establish his position in life... _Did_
he belong to the middle class, and, granting the premises, was it a
condition from which one could escape or a fixed heritage that could
neither be abandoned nor denied? In a country that made flamboyant
motions toward democracy, he knew that the term was used in contempt,
if not reproach. Had the class itself brought on this disesteem? Did
it really exist and what defined it? Was it a matter of scant worldly
possessions, or commonplace brain force, or breeding, or just an
attitude of mind? Was it a term invented by the crafty to dash cold
water upon the potential unity of a scattered force? Was it a
scarecrow for frightening greedy and resourceful flocks from a
concerted assault upon the golden harvests of privilege?... The
questions submerged him in a swift flood. He did not know ... he could
not tell. Unaccustomed as he was to thinking in the terms of group
consciousness, he fell back, naturally, upon the personal aspects of
the case. He was sure of one thing--Hilmer's contempt and scorn. In
what class did Hilmer place himself? Above or below?... But the answer
came almost before it was framed--Hilmer looked _down_ upon him. That
almost told the story, but not quite. Had Hilmer climbed personally to
upper circles or had the strata in which he found himself embedded
been pushed up by the slow process of time? Had the term "middle
class" become a misnomer? Was it really on the lowest level now?
Perhaps it was ... perhaps it always had been... But so was the
foundation of any structure. Foundation?... The thought intrigued him,
but only momentarily. Who wanted to bear the crushing weight of
arrogant and far-flung battlements?

He retraced his steps, his thoughts still busy with Hilmer. Here was a
typical case of what America could yield to the nature that had the
insolence to ravish her. America was still the tawny, primitive,
elemental jade who gave herself more readily to a rough embrace than a
soft caress. She reserved her favors for those who wrested them from
her...she had no patience with the soft delights of persuasion. It was
strange how much rough-hewn vitality had poured into her embrace from
the moth-eaten civilization of the Old World. Starratt was only a
generation removed from a people who had subdued a wilderness ... he
was not many generations removed from a people who wrestled naked with
God for a whole continent--that is, they had begun to wrestle; the
years that had succeeded found them still eager and shut-lipped for
the conflict. They had abandoned the struggle only when they had found
their victory complete. Naturally, soft days had followed. Was eternal
conflict the price of strength? Starratt found himself wondering. And
was he a product of these soft days, the rushing whirlwinds of Heaven
stilled, the land drowsy with the humid heat of a slothful noonday? He
had never thought of these things before. Even when he had thrilled to
the vision of line upon line of his comrades marching away to the
blood-soaked fields of France he had surrendered to a primitive
emotion untouched by the poetry of deep understanding. He thrilled not
because he knew that these people were doing the magnificent, the
decent thing ... but because he merely felt it. He had his faiths, but
he had not troubled to prove them ... he had not troubled even to
_doubt_ them.

His disquiet sharpened all of his perceptions. He never remembered a
time when the cool fragrance of the night had fallen upon his senses
with such a personal caress. He had come out into its starlit presence
flushed with narrow, sordid indignation ... smarting under the trivial
lashes which insolence and circumstance had rained upon his vanity.
His walk in the dusky silence had not stilled his restlessness, but it
had given his impatience a larger scope ... and as he stood for one
last backward glimpse at the twinkling magnificence of this February
night he felt stirred by almost heroic rancors. The city lay before
him in crouched somnolence, ready to leap into life at the first flush
of dawn, and, in the chilly breath of virgin spring, little truant
warmths and provocative perfumes stirred the night with subtle
prophecies of summer.

His exaltation persisted even after he had turned the key in his own
door to find the light still blazing, betraying the fact of Helen's
wakeful presence. He dallied over the triviality of hanging up his
hat.

She was reading when he gained the threshold of the tiny living room.
At the sound of his footsteps she flung aside the magazine in her
hand. Her thick brows were drawn together in insolent impatience.

"Oh," he exclaimed, inadequately, "I thought you'd be asleep!"

"Asleep?" she queried, in a voice that cut him with its swift stroke.
"You didn't fancy that I could compose myself that quickly ... after
everything that's happened to-night ... did you? I've been humiliated
more than once in my life, but never quite so badly. Uncalled for, too
... that's the silly part of it."

He stood motionless in the doorway. "I'm sorry I forgot the money," he
returned, dully. "But it's all past and gone now. And I think the
Hilmers understood."

"Yes ... they understood. That's another humiliating thing." She
laughed tonelessly. "It must be amusing to watch people like us
attempting to be somebody and do something on an income that can't be
stretched far enough to pay a sloppy maid her wages."

It was not so much what she said, but her manner that chilled him to
sudden cold anger. "Well ... you know our income, down to the last
penny... You know just how much I've overdrawn this month, too. Why do
you invite strangers to dinner under such conditions?"

She rose, drawing herself up to an arrogant height. "I invite them for
_your_ sake," she said, with slow emphasis. "If you played your cards
well you might get in right with Hilmer. He's a big man."

"Yes," he flung back, dryly, "and a damned insolent one, too."

"He has his faults," she defended. "He's not polished, but he's
forceful." She turned a malevolent smile upon her husband. "When he
told that drunken servant girl to go, she went!"

Starratt could feel the rush of blood dyeing his temples. "That's just
in his line!" he sneered. "He's taken degrading orders, and so he
knows how to give them... He may have money now, but he hasn't always
been so fortunate. I've been short of funds in my day, but I never
fought with a dirk for a half loaf of bread... You've heard the story
of his life... What has he got to make him proud?"

"Just that ... he's pulled himself out of it. While we... Tell me,
where are we? Where will we be ten years from now?... Twenty? Why
aren't you doing something?... Everybody else is."

He folded his arms and leaned against the doorway. "Perhaps I am," he
said, quietly. "You don't know everything."

She made a movement toward him. He stepped aside to let her pass.

"What can _you_ do?" she taunted as she swept out of the room.

He stood for a moment dazed at the sudden and unexpected budding of
her scorn. He heard her slam the door of the bedroom. He went over to
the chair from which she had risen and dropped into it, shading his
eyes.

The clock in the hallway was chiming two when the bedroom door opened
again.

"Aren't you coming to bed?" he heard his wife's voice call with sharp
irritation.

"No," he answered.




CHAPTER III


It was extraordinary how wide awake Fred Starratt felt next morning.
He was full of tingling reactions to the sharp chill of
disillusionment. At the breakfast table he met his wife's advances
with an air of tolerant aloofness. In the past, the first moves toward
adjusting a misunderstanding had come usually from him. He had an
aptitude for kindling the fires of domestic harmony, but he had
discovered overnight the futility of fanning a hearthstone blaze when
the flue was choked so completely. Before him lay the task of first
correcting the draught. Temporary genialities had no place in his
sudden, bleak speculations. Helen shirred his eggs to a turn, pressed
the second cup of coffee on him, browned him a fresh slice of toast
... he suffered her favors, but he was unmoved by them. They did not
even annoy him. When he kissed her good-by he felt the relaxation of
her body against his, as she stood for a moment languishing in
provocative surrender. He put her aside sharply. Her caress had a new
quality which irritated him.

Outside, the morning spread its blue-gold tail in wanton splendor.
February in San Francisco! Fred Starratt drew in a deep breath and
wondered where else in the whole world one could have bettered that
morning at any season of the year. Like most San Franciscans, he had
never flown very far afield, but he was passionate in his belief that
his native city "had it on any of them," to use his precise term. And
he was resentful to a degree at any who dared in his presence to
establish other claims or to even suggest another preference. He
looked forward to New York as an experience, but never as a goal. No,
San Francisco was good enough for him!

He felt the same conviction this morning, but a vague gypsying stirred
his blood also, and a wayfaring urge swept him. The sky was
indescribably blue, washed clean by a moist January that had drenched
the hills to lush-green life. The bay lay in a sapphire drowse,
flecked by idle-winged argosies, unfolding their storm-soaked sails to
the caressing sunlight. Soaring high above the placid gulls, an
airplane circled and dipped like a huge dragon fly in nuptial flight.
Through the Golden Gate, shrouded in the delicate mists evoked by the
cool night, an ocean liner glided with arrogant assurance.

From the last vantage point, before he slipped townward to his
monotonous duties, Starratt stood, shading his eyes, watching the
stately exit of this maritime giant. This was a morning for starting
adventure...for setting out upon a quest!... He had been stirred
before to such Homeric longings ... spring sunshine could always prick
his blood with sharp-pointed desire. But to-day there was a poignant
melancholy in his flair for a wider horizon. He was touched by
weariness as well as longing. He was like a pocket hunter whose
previous borrowings had beguiled him with flashing grains that proved
valueless. He would not abandon his search, but he must pack up and
move on to new, uncertain, unproved ground. And he felt all the weight
of hidden and heartbreaking perils with which his spiritual faring
forth must of necessity be hedged.

At the corner of California and Montgomery streets he met the tide of
nine-o'clock commuters surging toward the insurance offices and banks.
His widened vision suddenly contracted. Middle class! The phrase
leaped forward from the flock mind which this standardized concourse
diffused. In many of the faces he read the potentialities of infinite
variety, smothered by a dull mask of conformity. What a relief if but
one in that vast flood would go suddenly mad! He tried fantastically
to picture the effect upon the others--the momentary cowardice and
braveries that such an event would call into life. For a few brief
moments certain personalities and acts would stand out sharply
glorified, like grains of dust dancing in the slanting rays of the
sun. Then, the angle of yellow light restored to white normality, the
whirling particles would drift back into their colorless oblivion.

For a moment he had a taste of desire for unspringing power. If he
could but be the wind to shake these dry reeds of custom into a
semblance of life!... One by one they passed him with an air of
growing preoccupation ... each step was carrying them nearer to the
day's pallid slavery, and an unconscious sense of their genteel
serfdom seemed gradually to settle on them. There were no bent nor
broken nor careworn toilers among this drab mass...the stamp of long
service here was a withered, soul-quenched gentility that came of
accepting life instead of struggling against it.

Gradually the temper of the crowd communicated itself to him. It was
time to descend from his speculative heights and face the problems of
his workday world. He turned sharply toward his office. Young Brauer
was just mounting the steps.

"Well, what's new?" Brauer threw out, genially.

"Not a thing in the world!" escaped Starratt.

They went into the office together.

Old Wetherbee was carrying his cash book out of the safe. The old man
smiled. He was usually in good humor early in the morning.

"Well, what's new?" he inquired, gayly.

"Not a thing in the world!" they chimed, almost in chorus.

At the rear of the office they slipped on their office coats. Brauer
took a comb from his pocket and began carefully to define the part in
his already slick hair. Starratt went forward.

In the center of the room the chief stenographer stood, putting her
formidable array of pencils through the sharpener. She glanced up at
Starratt with a complacent smile.

"Oh, good morning, Mr. Starratt!" she purred, archly. "What's new with
you?"

"Not a thing in the world," he answered, ironically, and he began to
arrange some memoranda in one of the wire baskets on his desk... At
nine thirty the boy brought him his share of the mail from the back
office, and in ten minutes he was deeply absorbed in sorting the
"daily reports" from the various agencies. He worked steadily,
interrupted by an occasional phone call, an order from the chief
clerk, the arrival and departure of business associates and clients.
Above the hum of subdued office conversation the click of typewriting
machines and the incessant buzzing of the desk telephones, he was
conscious of hearing the same question repeated with monotonous
fidelity:

"Hello! What's new with you?"

And as surely, either through his own lips or the lips of another, the
identical reply always came:

"Not a thing in the world!"

At half past eleven he stopped deliberately and stood for a moment,
nervously fingering his tie. He was thinking about the course of
action that he had decided upon in that long, unusual vigil of the
night before. His uncertainty lasted until the remembrance of his
wife's scornful question swept over him:

"Why aren't you doing something?... Everybody else is!"

But it was the answer he had made that committed him irrevocably to
his future course:

"Perhaps I am. You don't know everything."

He had felt a sense of fatality bound up in these words of defiant
pretense, once they had escaped him...a fatality which the blazing
contempt of his wife's retort had emphasized. Even now his cheeks
burned with the memory of that unleashed insult:

"What can _you_ do?"

No, there was no turning back now. His own self-esteem could not deny
so clear-cut a challenge.

He called his assistant. "I wish you'd go into the private office and
see if Mr. Ford is at leisure," he ordered. "I want to have a talk
with him."

The youth came back promptly. "He says for you to come," was his brief
announcement.

Fred Starratt stared a moment and, recovering himself, walked swiftly
in upon his employer. Mr. Ford was signing insurance policies.

"Well, Starratt," he said, looking up smilingly, "what's the good
word?... What's new with you?"

Starratt squared himself desperately. "Nothing...except I find it
impossible to live upon my salary."

Mr. Ford laid aside his pen. "Oh, that's unfortunate!... Suppose you
sit down and we'll talk it over."

Starratt dropped into the nearest seat.

Mr. Ford let his eyeglasses dangle from their cord. He was not in the
least disturbed. Indeed, he seemed to be approaching the issue with
unqualified pleasure.

"Now, Starratt, let's get at the root of the trouble... Of course
you're a reasonable man otherwise..."

Starratt smiled ironically. A vivid remembrance of Hilmer's words
flashed over him. His lip-curling disdain must have communicated
itself to Mr. Ford, because that gentleman hesitated, cleared his
throat, and began all over again.

"You're a reasonable man, Starratt, and I know that you have the
interest of the firm at heart."

Starratt leaned back in his seat and listened, but he might have
spared himself the pains. Somehow he anticipated every word, every
argument, before Mr. Ford had a chance to voice them. Business
conditions were uncertain, overhead charges extraordinarily increased,
the loss ratio large and bidding fair to cut their bonus down to
nothing. Therefore ... well, of course, next year things might be
different. The firm was hoping that by next year they would be in a
position to deal handsomely with those of their force who had been
patient... Mr. Ford did not stop there, he did not expect Starratt to
take his word for anything. He reached for a pencil and pad and he
went into a mathematic demonstration to show just how near the edge of
financial disaster the firm of Ford, Wetherbee & Co. had been pushed.
Starratt could not doubt the figures, and yet his eyes traveled
instinctively to the bag of golf sticks in a convenient corner.
Somehow, nothing in either Ford's argument or his sleek presence
irritated Starratt so much as these golf sticks. For, in this
particular instance, they became the symbol of a self-sufficient
prosperity whose first moves toward economy were directed at those who
serve... If all this were so, why didn't Ford begin by cutting down
his own allowance, by trimming his own expenses to the bone? Golf, as
Mr. Ford played it, was an expensive luxury. No doubt the exercise was
beneficial, but puttering about a garden would have done equally.
Starratt might have let all this pass. He was by heart and nature and
training a conservative and he had sympathy for the genial vanities of
life. It was Ford's final summary, the unconscious patronage, the
quiet, assured insolence of his words, which gave Starratt his
irrevocable cue.

"We rather look to men like you, Starratt," Mr. Ford was saying, his
voice suave to the point of insincerity, "to tide us over a crisis.
Just now, when the laboring element is running amuck, it's good to
feel that the country has a large percentage of people who can be
reasonable and understand another viewpoint except their own... After
everything is said and done, in business a man's first loyalty is to
the firm he works for."

"Why?" Starratt threw out sharply.

Ford's pallid eyes widened briefly. "I think the answer is obvious,
Starratt. Don't you? The hand that feeds a man is..."

"_Feeds?_ That may work both ways."

"I don't quite understand."

Starratt's glance traveled toward the golf sticks. "Well, it seems to
me it's a case of one man cutting down on necessities to provide
another with luxuries." He hated himself once he had said it. It
outraged his own sense of breeding.

Mr. Ford shoved the pencil and pad to one side. "A parlor radical,
eh?... Well, this from _you_ is surprising!... If there was one man in
my employ whom I counted on, it was you. You've been with me over
fifteen years ... began as office boy, as I remember. And in all that
time you've never even asked for a privilege... I'm sorry to see such
a fine record broken!"

Yesterday Starratt would have agreed with him, but now he felt moved
to indignation and shame at Ford's summary of his negative virtues. He
had been born with a voice and he had never lifted it to ask for his
rights, much less a favor. No wonder Hilmer could sneer and Helen
Starratt cut him with the fine knife of her scorn! The words began to
tumble to his lips. They came in swirling flood. He lost count of what
he was saying, but the angry white face of his employer foreshadowed
the inevitable end of this interview. He gave his rancor its full
scope ... protests, defiance, insults, even, heaping up in a
formidable pile.

"You ask me to be patient," he flared, "because you think I'm a
reasonable, rational, considerate beast that can be broken to any
harness!" He recognized Hilmer's words, but he swept on. "If you were
in a real flesh-and-blood business you'd have felt the force of things
... you'd have had men with guts to deal with ... you'd have had a
brick or two heaved into your plate-glass window. A friend of mine
said last night that potting clerks was as sickening as a rabbit
drive. He was right, it is sickening!"

Mr. Ford raised his hand. Starratt obeyed with silence.

"I'm sorry, Starratt, to see _you_ bitten with this radical disease...
Of course, you can't stay on here, after this. Your confidence in us
seems to have been destroyed and it goes without saying that my
confidence in you has been seriously undermined. We'll give you a good
recommendation and a month's salary... But you had better leave at
once. A man in your frame of mind isn't a good investment for Ford,
Wetherbee & Co."

Starratt was still quivering with unleashed heroics. "The
recommendation is coming to me," he returned, coldly. "The month's
salary isn't. I'll take what I've earned and not a penny more."

"Very well; suit yourself there."

Mr. Ford reached for his pen and began where he had left off at
Starratt's entrance ... signing insurance policies... Starratt rose
and left without a word. The interview was over.

Already, in that mysterious way with which secrets flash through an
office with lightninglike rapidity, a hint of Starratt's brush with
Ford was illuminating the dull routine.

"I think he's going into business for himself, or something," Starratt
heard the chief stenographer say in a stage whisper to her assistant,
as he passed.

And at his desk he found Brauer waiting to waylay him with a bid for
lunch, his little ferret eyes attempting to confirm the general gossip
flying about.

Starratt had an impulse to refuse, but instead he said, as evenly as
he could:

"All right ... sure! Let's go now!"

Brauer felt like eating oysters, so they decided to go up to one of
the stalls in the California Market for lunch. He was in an expansive
mood.

"Let's have beer, too," he insisted, as they seated themselves. "After
the first of July they'll slap on war-time prohibition and it won't be
so easy."

Starratt acquiesced. He usually didn't drink anything stronger than
tea with the noonday meal, because anything even mildly alcoholic made
him loggy and unfit for work, but the thought that to-day he was free
intrigued him.

The waiter brought the usual plate of shrimps that it was customary to
serve with an oyster order, and Starratt and Brauer fell to. A glass
of beer foamed with enticing amber coolness before each plate. Brauer
reached over and lifted his glass.

"Well, here's success to crime!" he said, with pointed facetiousness.

Starratt ignored the lead. He had never liked Brauer and he did not
find this sharp-nosed inquisitiveness to his taste. He began to wonder
why he had come with him. Lunching with Brauer had never been a habit.
Occasionally, quite by accident, they managed to achieve the same
restaurant and the same table, but it was not a matter of
prearrangement. Indeed, Starratt had always prided himself at his
ability to keep Brauer at arm's length. A subtle change had occurred.
Was it possible that a borrowed five-dollar bill could so reshape a
relationship? Well, he would pay him back once he received his monthly
salary, and get over with the obligation. His monthly salary?...
Suddenly it broke over him that he had received the last full month's
salary that he would ever get from Ford, Wetherbee & Co. It was the
20th of February, which meant, roughly, that about two thirds of his
one hundred and fifty dollars would be coming to him if he still held
to his haughty resolve to take no more than he had earned. Two thirds
of one hundred and fifty, less sixty-odd dollars overdrawn... He was
recalled from his occupation by Brauer's voice rising above the
clatter of carelessly flung crockery and tableware.

"Is it true you're leaving the first of the month?"

He liked Brauer better for this direct question, although the man's
presumption still rankled.

"I'm leaving to-day," he announced, dryly, not without a feeling of
pride.

"What are you going to do?"

"I haven't decided... Perhaps...I don't know ... I _may_ become an
insurance broker."

Brauer picked through the mess in his plate for an unshelled shrimp.
"That takes money," he ventured, dubiously.

"Oh, not a great deal," Starratt returned, ruffling a trifle. "Office
rent for two or three months before the premiums begin to come in ...
a little capital to furnish up a room. I might even get some one to
give me a desk in his office until I got started. It's done, you
know."

Brauer neatly extracted a succulent morsel from its scaly sheath.
"Don't you think it's better to put up a front?" he inquired. "If
you've got a decent office and your own phone and a good stenographer
it makes an impression when you're going after business... Why don't
you go in with somebody?... There ought to be plenty of fellows ready
to put up their money against your time."

"Who, for instance?" escaped Starratt, involuntarily.

Brauer shoved his plate of husked shrimps to one side. "Take me. I've
saved up quite a bit, and..."

The waiter broke in upon them with the oysters.

Starratt knitted his brows. "Well, why not?" was his mental
calculation.

Brauer ordered two more pints of beer.

Starratt had leaned at first toward keeping his business venture a
secret from Helen. But in the end a boyish eagerness to sun himself in
the warmth of her surprise unlocked his reserve.

"I've quit Ford-Wetherbee," he said, quietly, that night, as she was
seating herself after bringing on the dessert.

He had never seen such a startled look flash across her face.

"What! Did you have trouble?"

He decided swiftly not to give her the details. He didn't want her to
think that any outside influence had pushed him into action.

"Oh no!..." he drawled, lightly. "I've been thinking of leaving for
some time. Working for another person doesn't get you anywhere."

He could see that she was puzzled, perhaps a little annoyed. Last
night in a malicious moment she had been quite ready to sneer at her
husband's inactivity, but now, with the situation a matter of practice
rather than theory, Starratt felt that she was having her misgivings.
A suggestion of a frown hovered above her black eyebrows.

"You can't mean that you're going into business!" she returned, as she
passed him a dish of steaming pudding.

There was a suggestion of last night's scorn in her incredulity.

"No?... And why not?"

She cast a sidelong glance at him. "That takes money," she objected.

He knew now, from her tone, what was behind the veil of her
intimations and he found a curious new pleasure in watching her
squirm.

"Oh, well," he half mused, "I guess we'll struggle through somehow.
We've always managed to."

She leaned one elbow heavily on the table. "_More_ economies, I
suppose!"

He had trapped her too easily! It was his turn to be cutting. "Don't
worry!... I sha'n't ask you to do without any more than you've done
without so far. If you can stand it as it is awhile longer, why ..."
He broke off with a shrug.

Her eyes swam in a sudden mist. "You're not fair!" she sniffed. "I'm
thinking as much of you as I am of myself. Going into business isn't
only a question of money. There are anxieties and worry ... and ...
and ..." She recovered herself swiftly and looked at him with clear,
though reproachful, eyes. "I'm always willing to help ... you know
that!"

He melted at once. There was a moment of silence, and then he told her
everything ... about Brauer, and what they purposed.

"He's to keep on at Ford-Wetherbee's until things are running
smoothly. Of course, I'd rather not have it that way, but he holds the
purse strings, so I've got to make concessions. We can get an office
for twenty-five a month. It will be the salary of the stenographer
that will count up."

"When do you start?"

"To-morrow. And do you know who I'm going after first thing?...
Hilmer. He told me last night to come around and talk over insuring
that car of his... I don't know that I'll land that. But I might line
him up for something else. He must have a lot of insurance to place
one way or another."

She smiled dubiously. "Well, I wouldn't count too much upon Hilmer,"
she said, with a superior air.

"I'm not counting on anything or anybody," he returned, easily.
"Hilmer isn't the only fish in the sea."




CHAPTER IV


It was noon before Helen Starratt finished her housework next
morning--an unusually late hour for her, but she had been preoccupied,
and her movements slow in consequence. A four-room apartment, with
hardwood floors and a vacuum cleaner, was hardly a serious task for a
full-grown woman, childless, and with a vigor that reacted perfectly
to an ice-cold shower at 7 A.M. She used to look back occasionally at
the contrast her mother's life had presented. Even with a servant, a
three-storied, bay-windowed house had not given Mrs. Somers much
leisure for women's clubs. The Ladies Aid Society and a Christmas
festival in the church parlors were about as far along the road of
alleged social service as the woman of the last generation had
traveled. There was marketing to do, and sewing continually on hand,
and house-cleaning at stated intervals. In Helen Somers's old home the
daily routine had been as inflexible as its ancestor's original
Calvinistic creed--Monday, washing; Tuesday, ironing; Wednesday,
cleaning the silver; Thursday, at home to visitors; Friday, sweeping;
Saturday, baking; and Sunday, the hardest day of all. For, withal, the
Puritan sense of observance, that had not been utterly swamped by the
blue and enticing skies of California, Sunday was a feast day, not in
a lightsome sense, but in a dull, heavy, gastronomic way, unleavened
by either wine or passable wit. On Sunday the men of the family
returned home from church and gorged. If the day were fine, perhaps
everybody save mother took a cable-car ride, or a walk, or something
equally exciting. The sparkle of environment had won these people away
from tombstone reading and family prayers as a Sabbath diversion, but
even California could not be expected to make over a bluestocking in
an eye's twinkling. Mother, of course, stayed home on Sunday to "pick
up" and get ready for supper in the absence of the servant girl. A
later generation had the grace to elevate these slatternly drudges to
the title of maid, but a sterner ancestry found it expedient to be
more practical and less pretentious in its terms. On these drab
Sundays Helen Somers had passionately envied the children of foreign
breed, who seemed less hedged about by sabbatical restrictions. Not
that she wished her family to _be_ of the questionable sort that went
to El Campo or Shell Mound Park for Sunday picnics and returned in
quarrelsome state at a late hour smelling of bad whisky and worse gin.
Nor did she aspire to have sprung from the Teutonic stock that
perpetrated more respectable but equally noisy outings in the vicinity
of Woodward's Gardens. But she had a furtive and sly desire to float
oil-like upon the surface of this turbid sea, touching it at certain
points, yet scarcely mixing with it. Indeed, this inclination to taste
the core of life without committing herself the further indiscretion
of swallowing it grew to such proportions that at the age of fifteen
she almost succumbed to its allurement. Even at this late date she
could recall every detail of a seemingly casual conversation which she
had held with the stalwart butcher boy who came daily to the kitchen
door to deliver meat. The first day she merely had broached the
subject of Sunday picnics; the second she had intrigued him into
giving her one or two fleeting details; the third day she held him
captive a full ten minutes while he enlarged upon his subject. And so
on, until one morning he said, quite directly:

"Would you like to go to one?... If you do, I'll take you."

She had drawn back at first from this frontal attack, but in the end
she decided to chance the experience. She pretended to her mother that
she was going to see a girl friend who was sick. She met her crude
cavalier at the ferry. She even boarded the boat with him. At first he
had been a bit constrained and shy, but soon she felt the warm, moist
pressure of his thick-fingered hands against hers. And presently his
arm encircled her waist. With curious intuition she realized the
futility of struggling against him... She had to admit, in the end,
that she found his physical nearness pleasurable... She often had
wondered, looking back on that day, what might have happened if she
had gone through with this truant indiscretion. But halfway on the
journey her escort had deserted her momentarily to buy a cigar. Left
alone upon the upper deck of a ferryboat, crowded with a strident and
raucous company, she had felt herself suddenly grow cold, not with
fear, but with a certain haughty and disdainful anger. These people
were not her kind! She had risen swiftly from her seat and hidden
discreetly in the ladies' washroom until after the boat had landed and
was on its way back to the city. When she got home she found the house
in confusion. Her father had been taken suddenly ill.

"I came very near sending to Nellie's for you," her mother had said.

The incident had taught her a lesson, but there were times when she
regretted its termination--when she was stirred to a certain morbid
and profitless speculation as to what might have been.

Shortly after this a reaction began to set in against the dullness
which certain people found desirable in the observation of what they
were pleased to call with questionable humility the Lord's Day, and by
the time Helen had budded to womanhood this new tide was at its flood.
People, even piously inclined, were taking houses across the bay, at
Belvedere or Sausalito or Mill Valley, for the summer. Somehow, one
didn't go to church during this holiday. Friends came over for
Saturday and Sunday to visit, and the term "week-end" became
intelligible and acquired significance. The Somerses took a cottage
for three successive seasons in Belvedere--that is, they spoke of it
as a cottage. In reality, it was the abandoned hulk of a ferryboat
that had been converted into rather uncomfortable quarters and set up
on the slimy beach. The effect of this unconventional habitation
slowly undermined the pale ghost of the Somers' family tradition. They
became bohemian. Instead of the lugubrious Sunday feast of thick
joints and heavy puddings, they began to make the acquaintance of the
can opener. And from can opener to corkscrew it was only a brief
step... It was at this point that Helen met Fred Starratt. Quite
naturally the inevitable happened. Moonlight rowing in the cove at
Belvedere, set to the tune of mandolins, was always providing a job
for the parson, and, if the truth were told, for the divorce courts as
well. It all had been pleasant enough, and normal enough, and the
expected thing. That's what young people always did if the proper
setting were provided, especially when the moon kept on the job.

Helen Starratt had read about the thrills that the heroines of novels
received from the mating fever, but she had to confess that she had
not experienced anything as exciting as a thrill during the entire
period of her husband's wooing. She had felt satisfaction, a mild
triumph, a gratified vanity, if you will, but that was as far as her
emotional experience had gone. After all, her career had been
marriage, and she had taken the most likely situation that had been
offered. She presumed it was the same when one graduated from business
college. You were expected to land a job and you did. Sometimes it was
a good one, and then again it wasn't. Looking back, she conceded that
her choice had been fair. Fred Starratt didn't drink to excess, he
didn't beat or swear at her, he didn't make sarcastic remarks about
her relations, or do any of the things which anyone who reads the
daily papers discovers so many men do under provocation or otherwise.
But, on the other hand, he hadn't made a fortune or bought a car or
given her any reason for feeling compensated for the lack of marital
excitement. His friends called him a nice fellow--in some ways as
damning a thing as one could say about anybody--and let it go at that.
However, Helen Starratt's vocabulary was just as limited when it came
to characterizing her conventional aims and ambitions. If,
occasionally, her speculations stirred the muddy reaches of certain
furtive desires, she took care that they did not become articulate.
This term "nice" included every desirable virtue. One married nice
men, and one lived in a nice neighborhood, and one made nice
acquaintances. In her mother's day she had heard people say:

"I believe in having the young folks identified with church work--they
meet such nice people."

And years later a friend, attempting to interest her in the activities
of a local orphan asylum, had clinched every other argument by
stating, blandly:

"You really ought to go in for it, Helen--you've no idea what nice
people you meet."

When America's entry into the war brought up the question of Red Cross
endeavor, her first thought had been:

"I really ought to do something, I suppose. And, besides, I'll meet
lots of nice people."

Well, she had met a lot of nice people, but the only fruitful yield
socially had been Mrs. Hilmer. And somehow it never occurred to Helen
to apply such a discriminating term as nice to her latest acquisition.
Mrs. Hilmer was wholesome and good hearted and a dear, and no doubt
she was nice in a negative way, but one never thought about saying so.
And Hilmer...? No, he was not what one would call a nice man, but he
was tremendously interesting and in the hands of the right woman...
You see, Mrs. Hilmer was a good soul, but, of course, she didn't quite
... that is, she was a bit old fashioned and ... well, she didn't know
how, poor dear!

Thus it was that over her household tasks on this particular February
morning Helen Starratt dawdled as her mind played with the fiction of
what Hilmer might become under the proper influence. Now, if _she_ had
married him!...

It was all very well for Mrs. Hilmer to see that her lord and master
was fed properly, but why did she waste hours over a custard when she
had money enough to hire it done? That course didn't get either of
them anywhere--Hilmer remained at a level of torpid content, and
naturally he looked down on his wife as a sort of sublimated servant
girl who wasn't always preparing to leave and demanding higher
wages... No, most men fell too easily in the trap of their personal
comforts. Even Fred had become self-satisfied. Beyond his dinner and
paper and an occasional sober flight at the movies or bridge with old
friends he didn't seem to have any stirring ambitions. That was where
a wife came in. Hadn't she been casting around for bait that would
make Fred rise to something new? Hadn't she invited the Hilmers to
dinner in the hope that the two men would hit it off? The very first
time she had met Hilmer she had thought, "There's a man that Fred
ought to know."

She was perfectly willing to concede certain virtues to her husband,
and she flattered herself that with the materials at her command she
had managed to keep Fred pretty well up to the scratch. The only thing
that had been lacking was plenty of money. If she had had one quarter
of Hilmer's income she would have evolved a husband that any woman
could have been proud of, instead of one that most women would have
found merely satisfactory... This was the way she had argued before
her absurd dinner party. She had to admit, after it was all over, that
her husband had managed to make her thoroughly ashamed of him. It was
better to have an outrageous husband than a ridiculous one. And she
fancied that Hilmer could be outrageous if he chose... But she was
sure of one thing ... if Hilmer came home and announced that he had
given up his position and had decided to plunge in boldly for himself,
his wife would scarcely give the matter a second thought. Hilmer would
carry the thing through ... _some way_. A man who could brain an
assailant and fight for a mouthful of bread would put things over by
hook or crook. There wasn't much chance for failure there. But Fred
Starratt ... well, he was apt to have some ridiculous scruple or too
keen a sense of business courtesy or a sensitiveness to rebuffs. Take
his passage at arms with the drunken maid ... if he had thrown her out
promptly, or come in and frankly borrowed the money from Hilmer, it
would have at least shown decision.

Of course she couldn't do anything, now that he was committed to this
new business venture. It was all very well for him to snarl: "Don't
worry... I sha'n't ask you to do without any more than you've done
without so far."

That was the lofty way most men theorized when their vanity was
wounded. But she knew enough to realize that if he failed she would
have to share that failure. Of course, if Fred could interest
Hilmer... Perhaps she could help things along in some way ... with a
chance remark to Mrs. Hilmer. Would it be better to cast the seed more
directly?... If she could only manage to run across Hilmer--she
wouldn't want to seem to be putting in her oar... Would it be very
dreadful if she were to think up some excuse and go beard the lion in
his den?

She was still interested in her orphan asylum. Why not go ask him for
a subscription? She wondered if he would be very brusque; insulting,
even. The possibilities fascinated her. She felt that she would like a
passage at arms with him. He was a man worth worsting. Under such
circumstances Fred Starratt would be either liberal beyond his means
or profusely apologetic. Not by any chance would he give a prompt and
emphatic refusal... The more she thought about it the more enticing
the prospect became. She felt sure that if Hilmer didn't approve of
her charity he would say so frankly, perhaps disagreeably. And if he
didn't think much of her husband's venture he would be equally direct.
She rather wanted to know what he _did_ think about Fred Starratt. She
ended by coming to an emphatic decision. She would not only go, but
she would go that very afternoon. If there were any chance for her to
prepare an easy road for Fred's advance it lay in speedy action.

When she finished dressing for the encounter and stood surveying
herself in the long mirror set into the closet door of her bedroom she
had to admit that she had missed none of her points. Most women at her
age would have been sagging a bit, the cords of youth slackened by the
weight of maternity or the continual pull against ill health and
genteel poverty. Or they would have been smothered in the plump
content of Mrs. Hilmer. Helen Starratt's slenderness had still a
virginal quality and she knew every artifice that heightened this
effect. To-day she was a trifle startled at quite the lengths she had
gone to strike a note of sophisticated youth. She had long since
ceased dressing consciously for her husband, and dressing for other
women was more a matter of perfect detail than attempted beguilement.
She was curious, she told herself, to see whether a man like Hilmer
would be impressed by feminine artifice... Did a black silk gown, with
spotless lace at wrist and throat, spell the acme of Hilmer's ideal of
womanhood? Was woman to him something durable and utilitarian or did
his fancy sometimes carry him to more decorative ideals?

She did not go directly to his office; instead, she dawdled a bit over
the shop windows. Things were appallingly high, she noted with growing
dismay, especially the evening gowns. On the shrugging, simpering
French wax figures they were at once very scant and very vivid ...
strung with beads and shot through with gold thread or spangled with
flashing sequins. She tried to imagine Mrs. Hilmer in one of these
gaudy confections. Almost any of them would have looked well on Helen
herself. But any woman who went in for dressing at all would need a
trunkload, she concluded, if one were to decently last out a season.
She found herself speculating on just what class of people would
invest in these hectic flesh coverings. Certainly not the enormously
rich ... they didn't buy their provocative draperies from show
windows. And even the comfortably off might pause, she thought, before
throwing a couple of hundred dollars into a wisp of veiling that
didn't reach much below the knees and would look like a weather-beaten
cobweb after the second wearing. With all this talk about profiteering
and economy and the high cost of living, even Helen Starratt had to
admit that one could go without an evening gown at two hundred
dollars. But, judging from the shoppers on the street, there didn't
seem to be many who intended to do without them. She began to wonder
what her chances were for at least a spring tailor-made. She supposed
now, with Fred going into business, she would be expected to make her
old one do. Well, she decided she wouldn't make it do if she had to
beg on the street corner. She'd had it a year and a half, and during
war times that was quite all right. The best people had played
frumpish parts then. But now everybody was perking up. As for an
evening gown ... well, she simply couldn't conceive where even a
hundred dollars would be available for one of these spangled harem
veils that was passing muster as a full-grown dress... If she had
possessed untold wealth, all this flimsiness, this stylistic froth,
would have appealed to her; as it was, she was irritated by it. What
were things coming to? she demanded. Just when you thought you were up
to the minute, the styles changed overnight. It was the same with
household furniture. Ten years ago, when she and Fred had set up
housekeeping, everybody had exclaimed over her quaint bits of
mahogany, her neutral window drapes, even at her wonderful porcelain
gas range. Now, everything, from bed to dining-room table, was painted
in dull colors pricked by gorgeous designs; the hangings at the
windows screamed with color; electric stoves were coming in. The day
of polished surfaces and shining brass was over--antiques were no
longer the rage.

Her dissatisfaction finally drove her toward Hilmer's office. She
stopped at one of the flower stands on Grant Avenue and bought a half
dozen daffodils. She begrudged the price she had to give for them, but
they did set off the dull raisin shade of her dress with a proper
flare of color. She concluded she would play up the yellow note in her
costuming oftener. Somehow it kindled her. She wondered for the first
time in her life what gypsy strain had flooded her with such dark
beauty. She stopped before a millinery shop and peered critically at
her reflection in a window mirror. Yes, the yellow note was a good
one, but she was still a trifle cold. If her lips had been a little
fuller... Strange she had never thought about that before. Well, next
time she would touch them ever so deftly into a suggestion of ripe
opulence. She sauntered slowly down Post Street, turned into
Montgomery. There were scarcely any women on the street and the men
who passed were, for the most part, in preoccupied flight. Yet she saw
more than one pair of eyes widen with brief appraisal as she went by.
Hilmer's offices were in the Merchants' Exchange Building. Helen
decided to slip in through the Montgomery Street entrance. She felt
that there might be a chance of running into Fred on California Street
and she didn't want to do that.

As she shot up toward the eleventh story in the elevator she rehearsed
her opening scene with Hilmer. She decided to take her cue flippantly.
She would banter him at first and gradually veer to more serious
topics... But once she stood in his rather austere inner shrine of
business, she decided against subterfuges. He had stepped into the
main office, the boy who showed her in explained. Would she have a
seat? She dropped into a chair, taking in her background with feminine
swiftness. A barometer, a map, two stiffly painted pictures exhibiting
as many sailing vessels in full flight, a calendar bearing the
advertisement of a ship-chandlery firm--this was the extent of the
wall decoration. The office furniture was golden oak, the rugs of
indifferent neutrality. On his desk he had a picture of Mrs. Hilmer,
taken in a bygone day, very plump and blond and youthful in a soft,
tranquil way. And by its side, in a little ridiculously-blue glass
vase, some spring wild flowers languished, pallidly white and withered
by the heat of captivity. She checked an impulse to rise when he came
in. For a moment his virility had overwhelmed her into a feeling of
deference, but she recovered herself sufficiently to droop
nonchalantly into her seat as he gave her his hand. He was not in the
least put out of countenance by her unexpected presence, and she felt
a fleeting sense of disappointment, almost of pique.

"I suppose you're wondering why I'm here," she began, tritely.

He swung his swivel chair toward her and sat down. "Yes, naturally,"
he returned, with disconcerting candor.

She touched the petals of her daffodils with a pensive finger. "Well,
really, you know, I'd quite made up my mind to pretend at first...
Women never like to come directly to the point. I thought up a silly
excuse--begging for an orphan asylum, to be exact. But I can see that
wouldn't go here... And I don't believe you're the least bit
interested in orphans."

"Why should I be?" he asked, bluntly.

She had a dozen arguments that might have won the ordinary man, but
she knew it would take more than stock phrases to convince him, so she
ignored the challenge. "You see, my husband has decided to go into
business ... and ... well, I thought perhaps if you had any insurance
... a stray bit, don't you know, that isn't pledged or spoken for ...
it would all be _so_ encouraging!"

He smoothed his cheek with an appraising gesture. Against the blond
freshness of his skin his mangled thumb stood out vividly.

"Why doesn't your husband come to see me himself?"

She drew back a trifle, but her recovery was swift. "Oh, he intends
to, naturally. I'm just preparing the way... Fred's a perfect dear and
all that, but he is a little bit reserved about some things... It
would be so much easier for him to ask a favor for some one else... Of
course, he'd be perfectly furious if he knew that I had come here. But
you understand, Mr. Hilmer, I want to do all I can... I'd make _any_
sacrifice for Fred."

She paused to give him a chance to put in a word, but he sat silent.
It was plain that he didn't intend to help out her growing
embarrassment.

"It's all come out of a clear sky," she went on, trailing the fringe
of her beaded hand bag across her shoe tops. "He only told me last
night... There isn't any use pretending ... he hasn't any capital to
work on. And until the premiums begin to come in there'll be office
rent and a stenographer's salary piling up ... and our living expenses
in the bargain... A friend of his is putting up some money, but I
can't imagine it's a whole lot... I'm a little bit upset about it, of
course. I wish I could really do something to help him."

She knew from his look that he intended to hurl another disconcerting
question at her.

"Well, if you want to help him, why don't you?" he quizzed.

"Why, I ... why, I'm not fit for anything, really," she tried to throw
back.

"My wife said you were pretty efficient at the Red Cross."

"Oh, but that was different!"

"Why?"

"Well, I can't just explain, but it's easy to do something you ...
you..."

"Feel you don't have to," he finished for her, ironically.

She shrugged petulantly. "What do you want me to do? Solicit
insurance?"

He smiled. "That's what you're doing now, isn't it?"

"Mr. _Hilmer_!" She rose majestically in her seat.

He continued to sit, but she was conscious that his eyes were sweeping
her from head to foot with frank appraisal.

"A pretty woman has a good chance to get by with almost anything she
sets her mind on," he said, finally.

She drew in a barely perceptible breath. The blunt tip of his shoe was
jammed squarely against her toe. She withdrew her foot, but she sat
down again.

"I really ought to be angry with you, Mr. Hilmer," she purred at him,
archly. "It's very nice of you to attempt to be so gallant, but, after
all, talk _is_ pretty cheap, isn't it?... So far I don't seem to be
making good as a solicitor. So what else is there left?"

"How about being your husband's stenographer?" he asked, without a
trace of banter.

She forgot to be amazed. "I don't know anything about shorthand," she
replied, simply.

"Well, you could soon learn to run a typewriter," he insisted. "I have
a young woman in my office who takes my letters direct on the machine
as I dictate them. She's as good as, if not better than, my chief
stenographer. That would save your husband at least seventy-five
dollars a month."

She had an impulse to rise and sweep haughtily out of the room. What
right had this man to tell her what she could or could not do? The
impudence of him! But she didn't want to appear absurd. She leaned
back and looked at him through her half-closed eyelids as she said,
with a slight drawl:

"Would my presence in the office be a bid for your support, Mr.
Hilmer?"

"It might," he said, looking at her keenly.

She did not flinch, but his steady gaze cut her composure like a
knife. She got to her feet again.

"What silly little flowers!" escaped her, as she took a step near his
desk and pulled a faded blossom from the blue vase.

He left his seat and stood beside her. "I got them down by St. Francis
Wood last Sunday," he admitted. "They reminded me of the early spring
blossoms in the old country ... the sort that shoot up almost at the
melting snow bank's edge... The flowers here are very gorgeous, but
somehow they never seem as sweet."

She looked at him curiously, almost with the expectation of finding
that he was jesting. This flowering of sentiment was unexpected. It
had come, as he had described his native spring blooms, almost at the
snow bank's edge. She reached out, gathered up the faded blossoms
ruthlessly, and dropped them into a convenient waste basket.

"Do you mind?" she asked, lifting her eyes heavily.

He did not answer.

Slowly she unpinned the flaming daffodils from her side and slipped
them into the empty vase. She stepped back to survey their sunlit
brilliance, resting a gloved hand upon the chair she had deserted. She
was conscious that another hand was bearing down heavily upon her
slender ringers. The weight crushed and pained her, yet she felt no
desire to withdraw...

The office boy came in. She moved forward quickly.

"There's a gentleman named Starratt waiting to see you," he announced.

She threw back her head defensively.

"This way!" Hilmer said, as he opened a private exit for her.

She found herself in the marble-flanked hallway and presently she
gained the sun-flooded street. The blood was pounding at her temples
and its throb hurt.

She walked home rapidly, swept by half-formulated impulses that
stirred her to almost adolescent self-revelations, yet when she
reached her apartment she was quite calm, almost too calm, and
outwardly cold.

That night over the black coffee Fred Starratt said to his wife, with
an air of restrained triumph:

"Well, I landed the insurance on Hilmer's car to-day."

She flashed him, an enigmatical smile. "Oh, lovely!"...

He sipped his coffee with preening satisfaction.

"Everything is going beautifully," he continued. "I hired an office
and began to connect up with two or three firms. That preliminary from
Hilmer was a great boost... A man named Kendrick handles all his
business, so I've sort of got the street guessing. They can't figure
how I could even get a look in... Of course I'm convinced that
Kendrick shares his commissions with Hilmer, which is against the
rules of the Broker's Exchange. But he didn't ask for any shakedown...
Brauer and I ordered some office furniture, and to-morrow I'll
advertise for a girl."

"I've got one for you already," she said, deliberately.

"Who?"

She reached across the shallow length of the table and touched his arm
significantly.

"I've decided to do it myself," she purred.

He patted her hand as an incredulous stare escaped him. "You!" he
laughed.

She suffered his indulgent and mildly contemptuous caress. "Don't
laugh, sonny," she drawled, almost disagreeably. "Your wife may prove
a lot more clever than she seems."




CHAPTER V


After the first two weeks Fred Starratt's business venture went
forward amazingly. His application for membership in the Insurance
Broker's Exchange was rushed through by influential friends and he
became, through this action, a full-fledged fire insurance broker. He
did not need this formality, however, to qualify him as a solicitor in
other insurance lines. There was a long list of free lances, where the
only seal of approval was an ability to get the business. Automobile
liability, personal accident, marine, life--underwriters representing
such insurances shared commissions with any and all who had a
reasonable claim to prospective success. Therefore, while he was
waiting for his final confirmation from fire-insurance circles he took
a flyer at these more liberal forms. There seemed no end to this
miscellaneous business which, he came to the conclusion, could be had
almost for the asking. And all the time he had fancied that the field
was overworked! He mentioned this one day to a seasoned veteran in the
brokerage world.

"Writing up policies is one thing," this friend had assured him,
emphatically; "collecting the premiums is another matter... If your
fire-insurance premiums aren't paid up inside of two months, the
policies are canceled. But they let the others drag on until the cows
come home. There's nothing so intangible in this world as insurance.
And people hate to pay for intangibilities."

Starratt refused to be forewarned. The people he went after were
personal friends or gilt-edged business men. _They_ wouldn't deny
their obligations when the premiums fell due.

But the greatest rallying point for his business enthusiasm proved to
be Hilmer. It seemed that scarcely a day went by that Hilmer did not
drop a new piece of business Fred's way. Returning to the office at
four o'clock on almost any afternoon, he grew to feel almost sure that
he would find Hilmer there, bending over Helen's shoulder as he
pointed out some vital point in the contract they were both examining.
He was a trifle uneasy at first--dreading the day when Hilmer would
approach him on the matter of sharing commissions. It was a generally
assumed fact that Kendrick, the man who handled practically all of
Hilmer's business, was a notorious rebater--that he divided
commissions with his clients in the face of his sworn agreement with
the Broker's Exchange not to indulge in such a practice. Obviously,
then, Hilmer would not be a man to throw away chances to turn such an
easy trick.

Starratt voiced these fears to Brauer.

"Sure he expects a rake-off," Starratt's silent partner had said.
"Everybody gets it ... if they've got business enough to make it worth
while."

"Well, he won't get it from me," Fred returned, decisively. "I've
signed my name to an agreement and that agreement will stick if I
starve doing it!"

Brauer, disconcerted by his friend's vehemence, merely had shrugged,
but at another time he said, craftily:

"If Hilmer wants to break even on the fire business he gives us, why
can't we make it up some other way?... There's nothing against giving
him _all_ the commissions on that automobile liability policy we
placed the other day. We can do what we please with _that_ profit."

Starratt flushed. "Can't you see, Brauer, that the principle is the
same?"

"Principle! Oh, shoot!... We're out to make money, not to reform
business methods."

Starratt made no further reply, but Brauer's attitude rankled. He
began to wish that he hadn't allowed Brauer to go in on his venture.
'But it had taken money ... more than he had imagined. They had to put
a good deposit down on the office furniture, and the rent was, of
course, payable in advance. Then came the fee for joining the Broker's
Exchange, and he had to borrow money for his personal expenses in the
face of his diminished salary check from Ford, Wetherbee & Co. He
realized, too, that the difficulties would scarcely decrease, even in
the face of brisk business. The office furnishings would one day have
to be met in full, the typewriting machine paid for, the stationery
and printing bills settled. During all this time he and Helen would
have to live and keep up a decent, not to say prosperous, appearance.
Yes, even with Helen saving the price of a stenographer, the problem
would not be easy. A day would come finally when he would feel
compelled to provide Helen with a fair salary. A man couldn't expect
even his own wife to go on pounding a typewriting machine for nothing.
What he really hoped was that when things began to run smoothly Helen
would retire... He had heard her in the old days voice her scorn of
the married woman who went out to earn a salary.

"I wouldn't marry a man who couldn't support me!" she used to blaze.

As a matter of fact, he had felt the same way about it--he felt that
way still. It hurt him to think that Helen should be wearing the badge
of his inefficiency. And then, deep down, he had a masculine distaste
for sharing his workday world with a woman. He liked to preserve the
mystery of those hours spent in the fight for existence, because he
knew instinctively that battle grounds lost their glamour at close
range. His Californian inheritance had fostered the mining-camp
attitude toward females--they were one of two things: men's moral
equals or men's moral superiors. It was well enough to meet an equal
on common ground, but one felt in duty bound to enshrine a superior
being in reasonable seclusion.

At first he had been doubtful of Helen's ability to adapt herself to
such a radical change. Her performance soon set his mind at rest on
that score, but he still could not recover quite from the surprise of
her unexpected decision. Indifference, amazement, opposition--nothing
seemed able to sway her from her purpose. In the end he had been too
touched by her attitude to put his foot down firmly against the
move... She got on well with Hilmer, too, he noticed. Usually at the
end of one of these late afternoon conferences with their chief patron
Fred and Hilmer ended up by shaking for an early evening cocktail at
Collins & Wheeland's, just around the corner. Hilmer always saw to it
that Fred returned to the office with something for Helen--a handful
of ginger-snaps from the free-lunch counter, a ham sandwich, or a
paper of ripe olives. Once he stopped in a candy shop on Leidesdorff
Street and bought two ice-cream cornucopias. Fred used to shake a
puzzled head as he deposited these gastronomic trifles upon Helen's
desk as he said:

"I don't get this man Hilmer... One minute he insults you and the next
minute he's as considerate as a canteen worker... What's he throwing
business my way for?"

Helen, munching a gingersnap, would go on with her laborious
typewriting, and return:

"Why look a gift horse in the mouth, Freddie?... Women aren't the only
riddles in the world."

"I think he comes to see you," he used to throw out in obvious jest.
"That's the only way I can figure it."

"He's like every man ... he wants an audience... I guess Mother Hilmer
is tired of hearing him rave."

And so the banter would go on until Fred would pull up with a round
turn, realizing quite suddenly that he was talking to his wife and not
just to his stenographer.

"He'll be at me one of these days on that commission question, you
mark my words," he would venture.

"And what are you going to do?"

"Why, refuse, of course, and lose the business."

"Well, don't cross the bridge till you come to it."

She puzzled him more and more. She seemed disturbed at nothing, and
yet she glowed with a leashed restlessness that he could not define.

"It's the strain," he would conclude. "She's putting more into this
venture of mine than she's willing to admit... After all, women are
amazing... They pull and cling at you and drag you back ... and then,
all of a sudden, they take the bit in their teeth and you can't hold
them in... Who would have thought that Helen..."

And here he would halt, overcome with the soft wonder of it.

Business began to pour in from Brauer and, frankly, Fred was
disturbed. He wasn't sure of Brauer's business scruples.

"I wonder if he's promising these people rebates," he said to Helen
one day, following an avalanche of new risks.

"Well, you'll know soon enough when he begins to collect the
premiums," she replied, indifferently.

"But I don't want to wait until then... They tell me this man Kendrick
is getting awfully sore at losing so much of Hilmer's business. He'd
like nothing better than to hop on to some irregularity in my methods
and get me fired from the Exchange... It takes a thief to catch one,
you know."

"Oh, why worry?" Helen almost snapped at him. "If Brauer gets us into
a mess we can always throw him out."

Starratt's eyes widened. Where did Helen get this ruthless philosophy?
Had it always lain dormant in her, or was this business life already
putting a ragged edge upon her finer perceptions? But he made no
answer. He had never admitted to Helen that Brauer had insisted upon
drawing up a hard-and-fast partnership agreement, and taking his note
for half of the money advanced in the bargain. It was one of the
business secrets which he decided he would not share with anybody--he
had a childish wish to preserve some mystery in connection with his
venture against the soft and dubious encroachments of his wife.

"Anyway," Helen went on, "as soon as we get running smoothly we can
split. No doubt _he'll_ want to pull out when he sees that he can get
along without us... Just now he isn't taking any chances. He's holding
down his own job and letting us do all the work and the worrying...
Oh, he's German, all right, from the ground up."

Fred had often shared this same hope, although he had never voiced it.
When the time came, no doubt Brauer would eliminate himself--for a
consideration--and set up his own office. But it amazed him to find
how swiftly and completely Helen had figured all these things out. Had
her mind always worked so coldly and logically under her rather
indifferent surface? He still wondered, too, at her efficiency. Was
this a product of her social service with the Red Cross during war
times?... Being a man, he couldn't concede that a proper domestic
training was a pretty good schooling in any direction. He didn't see
any relationship between a perfectly baked apple pie and a neatly kept
cash book. He had expected his wife to fall down on the mechanical
aspects of typewriting, but he forgot that she had been running a
sewing machine since she was fifteen years old. And even in his wife's
early childhood people were still using lamps for soft effects and
intensive reading. Any woman who knew the art of keeping a kerosene
lamp in shape must of necessity find the oiling and cleaning of a
typewriting machine mere child's play. He didn't realize the
affinities of training. It would never have occurred to him to fancy
that because he kept his office desk in perfect order he was qualified
to do the same thing with a kitchen stove, or that the method he had
acquired as office boy, copying letters in the letterpress, would have
stood him in good stead if he suddenly had been called upon to make up
his own bed. What he did realize was that the leveling process which
goes hand in hand with the mingling of sexes in a workday world was
setting in. And he resented it. He wanted to coddle illusion ... he
had no wish for a world practical to the point of bleakness.

One afternoon Hilmer came in at the usual time with a handful of
memoranda. It was a violently rainy day--an early March day, to be
exact--the sort that refused to be softened even by the beguilements
of California. The rain wind, generally warm and humid, had been
chilled in its flight over the snow-piled Sierras, and it had pelted
down in a wintry flood, banking up piles of stinging hail between
warmer showerings. Fred had decided to forgo his soliciting and stay
indoors instead. Hilmer greeted him with biting raillery.

"Well, I should think this was a good day to bag a prospective
customer," he flung out as he laid his umbrella aside. "Or is business
swamping you?"

Fred tossed back a trite rejoinder. Helen went on pounding her machine
... she did not even lift her eyes.

"I've got something for you to-day," Hilmer went on, as he unbound the
bundle of papers and sat down beside Fred.

Starratt saw the edge of a blue print in Hilmer's hand. This spelled
all manner of possibilities, but he checked a surge of illogical hope.
"That's fine," he answered, heartily. "But why didn't you send for me?
I could have come over. It's bad enough to take your business without
letting you bring it in on a day like this..."

Hilmer made a contemptuous gesture. "Wind and weather never made any
difference to me... I've traveled twenty miles in a blizzard to court
a girl."

"Oh, when a woman's involved, that's different," Fred laughed back.
"There's nothing as alluring here."

"Well, Mrs. Starratt, what do you say?" Hilmer called out to her.
"Your husband doesn't seem to count you in at all."

Helen was erasing a misspelled word. "Married women are used to that,"
she retorted, flippantly. "Sometimes it's just as well that they
overlook us. We get a chance to play our own hand once in a while."

Everybody laughed, including Fred, but the effort hurt him. There was
a suggestion of unpleasant mockery in Helen's tone. She seemed to be
hiding her contempt behind a thin veil of acrid humor. And somehow
this revelation in the presence of Hilmer stung him.

"I'll bet you can't guess what I've got here," Hilmer began again,
tapping the bundle of papers with his ringer.

Starratt shook his head and Hilmer tossed him the blue print.

"Not the insurance on your shipbuilding plant?" escaped Fred,
incredulously.

Hilmer crossed his legs and settled back in his chair.

"You said it!" he announced. "And it's all going to you after we've
settled one question... I've been bringing you in little odds and ends
as I've had them ... not enough to matter much one way or another ...
so I haven't bothered to really get down and talk business. This is a
half-million-dollar line and a little bit different. It means about
fifteen thousand dollars in premiums, to be exact. You can figure what
your commission will be at fifteen per cent, to say nothing of how
solid this will make you with the street... Later on there 'll be
workmen's compensation, boiler insurance, public liability. It's a
pretty nice little plum, if I do say so."

Helen stopped her typing. Fred could feel his lips drying with mingled
anticipation and apprehension. He knew just what demand Hilmer
intended making.

"The question is," Hilmer continued, "how much of the commission are
you going to split up with me?"

Fred shrugged. "You know the rules of the Broker's Exchange as well as
I do, Hilmer. I've pledged myself not to do any rebating."

Hilmer did not betray the slightest surprise at Starratt's reply.
Evidently he had heard something of the same argument before.

"Everybody does it," was his calmly brief rejoinder.

"You mean Kendrick, to be exact... I'm sorry, but I don't see it that
way."

"Do you mean that you would rather pass up a half-million-dollar line
than share the spoils?"

"It isn't a question of choice, Hilmer. You must know I don't want to
lose five cents' worth of business. But there are some things a
gentleman doesn't do."

He was sorry once the last remark had escaped him, but Hilmer didn't
seem disconcerted by the covert inference.

"Scruples are like laws," Hilmer returned, affably. "I never saw one
yet that couldn't be gotten round legitimately."

"Oh yes, you can subscribe to any one of the Ten Commandments with
your fingers crossed, if you like that kind of a game. But I don't."

Hilmer moved in his seat with an implication of leave-taking. "Well,
every man to his own taste," he said, as he reached for the blue print
and proceeded to fold it up.

Starratt leaned toward him. His attitude was strangely earnest.

"Do you really like to participate in a game you know to be unfair,
Hilmer?--dishonest, in fact?"

"Participating? I haven't signed any Broker's Exchange agreement. I'm
not breaking any pledge when I accept a share of insurance commission.
That's up to the other fellow."

"Ah, but you know that he is breaking faith... And a man that will
double cross his associates will double cross you if the opportunity
presents itself... Would you put a man in charge of your cash drawer
when you knew that he had looted some one else's safe?"

"That's not the same thing," Hilmer sneered. "That is, it's only the
same in theory. Practically, an insurance broker couldn't double cross
me if he wanted to... I wouldn't put a thief in charge of my cash
drawer, but I might make him a night watchman. He'd know all the
tricks of the trade."

"Including the secret entrances that those on the outside wouldn't
know... A crook wouldn't stay all his life on the night-watchman's
job, believe me."

He noticed that Helen was regarding him keenly and her glance
registered indulgent surprise rather than disapproval. Hilmer, too,
had grown a bit more tolerant. He felt a measure of pride in the
realization that he could make his points so calmly and
dispassionately, putting this rough-hewn man before him on the
defensive. But Hilmer's wavering was only momentary; he was not a man
to waste time in argument when he discovered that such a weapon was
futile.

"Then I understand you don't want the business?"

"Not on those terms."

Hilmer shrugged.

Helen leaned forward and put out a hand. "Let's see!" she half
commanded.

Hilmer gave her the blue print and the package of memoranda. She began
to unfold one of the insurance forms, bending over it curiously. Fred
was puzzled. He knew that Helen was too unacquainted with insurance
matters to have any knowledge of the printed schedule she was
studying, yet he had to concede that she was giving a splendid
imitation of an experienced hand. Her acting annoyed him. He turned
toward Hilmer with an indifferent comment on the weather and the talk
veered to inconsequential subjects. Helen continued her scrutiny of
the forms.

Finally Hilmer rose to go. Helen made no move to return the memoranda.
Fred cleared his throat and even coughed significantly, but Helen was
oblivious. Presently Starratt went up to his wife and said,
deliberately:

"Hilmer is going ... you better give him back his papers."

She turned a glance of startled innocence upon them both. "Oh!" she
exclaimed, petulantly. "How disappointing...and just as I was becoming
interested... Why don't you men go have your usual drink? I'll be
through with them then."

Hilmer gave a silent assent and Fred followed him. There didn't seem
to be anything else to do. On the way out they met Hilmer's office boy
in the corridor. Hilmer was wanted on a matter of importance at the
office. He waved a brief farewell to Fred and left.

Fred went back to his wife. She had abandoned the forms and was
lolling in her chair, sucking at an orange.

"Hilmer's been called suddenly to his office on business," he said,
brusquely. She turned and faced him. "You'd better put those papers in
the safe. I'll take them back myself to-morrow. I can't see what
possessed you to insist on looking them over, anyway."

She squeezed the orange in her hand. "Well, when we get ready to
handle the business I want to know something about it."

He stared. "Handle the business? You heard what I said, didn't you?"

"Yes, I heard," she said, wearily, and she went on with her orange.

He did not say anything further, but the next morning a telephone
message put to rout his resolve to return Hilmer's insurance forms in
person.

"I've got to go up Market Street to see a man about some workmen's
compensation," he explained to Helen. "You'd better put on your hat
and take those things to Hilmer yourself."

She did not answer...

He returned at three o'clock. Helen was very busy pounding away at the
typewriter.

"Well, what's all the rush?" he asked.

"I'm getting out the forms on Hilmer's shipping plant," she returned,
nonchalantly.

"What do you mean?... Didn't you..."

"No ... he's decided to let us handle the business."

"Why ... on what grounds?"

She waved a bit of carbon paper in the air. "How should I know? I
didn't ask him!"

Her contemptuous indifference irritated him. "You ought to have waited
until I got back... You've probably got everything mixed up... It
takes experience to map out a big schedule like that."

"Hilmer showed me what to do," she retorted, calmly.

"Then he's been over here?"

"Yes ... all morning."

He narrowed his eyes. She went on with her typewriting.

"Well, I'll be damned!" escaped him.

His wife replied with a tripping laugh.

At that moment Brauer came in. "I hear you've got the Hilmer line," he
broke out, excitedly. "They say Kendrick is wild... How much did you
have to split?"

"Nothing," Starratt said, coldly.

"Nothing?" Brauer's gaze swept from Starratt to Helen and back again.
"How did you land it, then?"

Helen stood up, thrusting a pencil into her hair.

"I landed it, Mr. Brauer," she said, sweetly, tossing her husband a
commiserating smile.

Brauer's thin lips parted unpleasantly. "I told you at the start,
Starratt, that a good stenographer would work wonders."

Fred forced a sickly laugh. He wished that Helen Starratt had stayed
at home where she belonged.

It had been a long time since the insurance world on California Street
had been given such a chance for gossip as the shifting of the Hilmer
insurance provided. Naturally, business changes took place every day,
but it was unusual to have such a rank beginner at the brokerage game
put over so neat a trick. Speculation was rife. Some said that Hilmer
was backing the entire Starratt venture, that he, in fact, was
Starratt & Co., with Fred merely a salaried man, allowing his name to
be used. Others conceded a partnership arrangement. But Kendrick
announced in a loud tone up and down the street:

"Partnership nothing! I know Hilmer. He's got too many irons in the
fire now. He wouldn't be annoyed with the insurance game. This fellow
Starratt is rebating--that's what he is!"

Of course the street laughed. Kendrick's indignation was quite too
comic, considering his own reputation. To this argument, those who
held to the proprietor and partnership theories replied:

"That may all be, but he wastes an awful lot of time in Starratt's
office for a fellow who's so rushed with his other ventures."

It was at this point that a few people raised their eyebrows
significantly as they said:

"Well, the old boy always did have a pretty keen eye for a skirt."

It was impossible for Fred Starratt to move anywhere without hearing
fragments of all this gossip. During the noon hour particularly it
filtered through the midday tattle of business, pleasure, and
obscenity--at the Market, at Collins & Wheeland's, at Hjul's coffee
house, at Grover's Lunchroom--everywhere that clerks forgathered to
appease their hunger and indulge in idle speculations. Sometimes he
got these things indirectly through chance slips in talks with his
friends, again scraps of overheard conversation reached his ears.
Quite frequently a frank or a coarse acquaintance, without
embarrassment or reserve, would tell him what had been said. He soon
got over protesting. If he convinced anybody that he was getting
Hilmer's business without financial concessions, he had to take the
nasty alternative which the smirks of his audience betrayed... It
would not have been so bad if he could have explained the situation to
himself, but any attempt to solve the riddle moved in a vicious
circle. He used to long for a simplicity that would make him accept
Hilmer's favors on their face value. Why couldn't one believe in
friendship and disinterestedness? Perhaps it would have been easier if
he had lacked any knowledge of Hilmer's philosophy of life. Starratt
couldn't remember anything in the recital of Hilmer's past performance
or his present attitude that dovetailed with benevolence... He
retreated, baffled from these speculative tilts, to the refuge of a
comforting conviction that fortunately no man was thoroughly
consistent. Perhaps therein lay the secret of Hilmer's puzzling
prodigality--because, boiled down to hard facts, it was apparent that
Hilmer was making Starratt & Co. a present of several hundred dollars
a year. Sometimes, in a wild flight of conjecture, he used to wonder
how far his argument with Hilmer regarding the ethics of being a
negative party to another man's dishonesty had been borne home? It
seemed almost too fantastic to fancy that he could have put over his
rather finely spun business morality in such a brief flash, if at all.

At first he had plunged in too speedily to his venture to formulate
many ideals of business conduct, but as he had progressed he found his
standards springing to life full grown.

He had been long enough in the insurance business to realize the
estimate that average clients had of an insurance broker--they looked
upon him as a struggling friend or a poor relation or an agreeable,
persuasive grafter, whose only work consisted in talking them into
indifferent acceptance of an insurance policy and then pestering them
into a reluctant payment of the premium. Of course big business firms
recognized a broker's expertness or lack of it, though, quite
frequently, as in Hilmer's case, they were more snared by a share in
the profits than by the claims of efficiency. But Starratt wanted to
succeed merely on his merit. He wanted to teach people to say of him:

"I go to Fred Starratt because he's the keenest, the most reliable man
in the field. And for no other reason."

In short, he wished to earn his commission, and not to share it. He
wanted to prove to people that an insurance broker was neither a
barbered mendicant nor a genial incompetent. Had he known that a
conviction of his ability lay at the bottom of Hilmer's sudden change
in business tactics he would have been content. As it was, in spite of
the impetus this sudden push gave his career he had moments when he
would have felt happier without such dubious patronage. As a matter of
fact, Hilmer rather ignored him. He brought in his business usually
during Fred's absence from the office, and Helen, under his guidance,
had everything ready before her husband had time to suggest any line
of action. Forms, apportionments, applications--there did not seem to
be a detail that Hilmer had overlooked or Helen had failed to execute.
Starratt tried not to appear irritated. He didn't like to admit even
to himself that he could be small enough to resent his wife's curious
efficiency. But he wished she weren't there. One day he said to her,
as inconsequentially as he could:

"I really think, my dear, that I ought to be planning to get a woman
here in your place... Now that Hilmer's business is reasonably
assured, I can afford it... It's too much to ask of you--keeping up
your house and doing this, too."

"Well," she shrugged, "we can board if it gets too much for me."

"You know I detest boarding."

"I can hire help, then. Mrs. Finn would come in by the day. But, as a
matter of fact, this isn't any more strenuous than my year of the Red
Cross work. I managed then; I guess I can manage now."

"But I thought you didn't like business life."

"I'm not crazy about it ... but I want to get you started right.
Suppose you got a girl in here who didn't know how to manage Hilmer?"

He checked the retort that rose to his lips... He couldn't help
getting the nasty inferences that people on the street threw at him
unconsciously or maliciously, but he _could_ help voicing them or
admitting them even to himself.

"Is ... is Hilmer so hard to manage?" he found himself inquiring.

Helen looked up sharply. "No harder than most men," she answered,
slipping easily from the traces of his cross-examination.

His rancor outran his reserve. "I guess I'm vain," he threw out
bitterly, "but I'd like to feel that I could land one piece of
business without _anybody's_ help."

She laughed indulgently. "Why, Freddie, that isn't nice! You landed
Hilmer at the start... Don't you remember that very first line? On his
automobile?"

There was something insincere in her tone, in the lift of her eyes, in
her cryptic smile. But he smothered such unworthy promptings. It was
fresh proof of his own unreasonable conceit. He turned away from his
wife in silence, but he was sure that his face betrayed his feelings.

Presently he felt her standing very close to him. He turned about
sharply, almost in irritation. Her mouth was raised temptingly. He
bent over and kissed her, but he withdrew as swiftly. Her lips left a
bitter taste that he could not define.




CHAPTER VI


March passed in a blur of wind and cold, penetrating rains. Except for
the placing of the insurance on the Hilmer shipbuilding plant,
business was dull. Fred began to make moves toward getting in money.
But it was heartbreaking work. The people who had yielded up their
consent so smilingly to Fred for personal accident policies, or
automobile insurance, passed him furtively on the street or sent word
out to him when he called at their offices that they were busy or
broke or leaving town. He did not attempt to do much toward collecting
the fire-insurance premiums. Most people with fire policies knew their
rights and stood by them. The premiums on March business were not due
until the end of May and it was useless to make the rounds much before
the middle of that month.

The whisperings on the street continued, and a few surly growls from
Kendrick reached Fred's ears. One day a close friend of Fred, who knew
something of Insurance Exchange matters, said to him:

"There's something going on inside, but I can't quite get the dope...
I hope you're not giving Kendrick the chance to have you called for
rebating... He's an ugly customer when he gets in action."

Fred was annoyed. "I've told you again and again," he retorted, "that
I'm not yielding a cent on the Hilmer business."

"It isn't that," was the reply. "Kendrick knows better than to stir up
a situation he's helped to befoul himself... No, it's another matter."

Fred shrugged and changed the subject, but his thoughts flew at once
to Brauer. He decided not to say anything to his partner until he made
a move toward investigating, himself.

The next morning he took a half dozen names of Brauer's customers at
random from the ledger and he made out bills for their premiums.
Practically all of Brauer's business was fire insurance, so Fred had
typical cases for his test. The first man he called on produced a
receipt from Brauer for the premium paid on the very day the policy
was issued. The second man protested that he had paid Brauer only the
day before. The third man stated brusquely that he had placed his
business through Brauer and he was the man he intended to settle with.
The fourth was noncommittal, but it was the fifth client who produced
the straw that betrayed the direction of the wind.

"I want to see Brauer," the man said. "He promised to do something for
me."

The sixth customer was even more direct.

"There's something to come off the premium," he said. "Brauer knows."

Fred did not wait for Brauer to come into the office--he went and took
him to lunch instead, where he could prod him away from Helen's sight
and hearing.

"I'm surprised at you, Brauer," Starratt broke out suddenly, once they
were seated at Grover's and had given the girl their order.

"Over what?" Brauer's face clouded craftily.

"Why do you go about collecting premiums and holding them back from
the office?... That isn't sound business tactics."

Brauer's sharp teeth glistened savagely in spite of his weak and
bloodless mouth. "What have you been doing ... bothering _my_ people?
I'll trouble you to let me attend to my own clients in future. Those
premiums aren't due for a good six weeks yet. When they are I'll turn
them in."

Fred cooled a little in the face of Brauer's vehemence. "Oh, come now,
what's the use of talking like that? I'm not intending to bother your
customers, but there are some things due me... My name is on every one
of those policies. Therefore I ought to know when they are paid and
anything else about the business that concerns me. You know as well as
I do what is reasonable and just. Suppose you were taken ill. It
doesn't look right for a firm to go about making attempts to collect
premiums that have been paid."

"Well ... you're pretty previous, Starratt, dogging folks in March for
money that isn't due until May," Brauer grumbled back. "What's the
idea, anyway?"

Starratt leaned forward. "Just this, Brauer. I heard some ugly gossip
yesterday, and I wanted to find out if it had any justification. It
seems Kendrick is after us. He's going to try and get us on a rebating
charge. I saw six of your people ... and I'm reasonably sure that two
out of that six have been promised a rake-off... Do you call that fair
to me?"

"That's a lie!" Brauer broke out, too emphatically.

"I doubt it!" Starratt replied, coldly. "But that's neither here nor
there. What's done is done. But I don't want any more of it. I'm
playing a square game. I was ready to throw Hilmer overboard rather
than compromise, and I'll--"

"Do the same thing to me, I suppose!" Brauer challenged.

Fred looked at him steadily. "Pr