has a future."
"You came over the Fort Wayne, I presume," replied Addison, loftily. "You saw the worst section. You must let me show you some of the best parts. By the way, where are you staying?"
"At the Grand Pacific."
"How long will you be here?"
"Not more than a day or two."
"Let me see," and Mr. Addison drew out his watch. "I suppose you wouldn't mind meeting a few of our leading men—and we have a little luncheon-room over at the Union League Club where we drop in now and then. If you'd care to do so, I'd like to have you come along with me at one. We're sure to find a few of them—some of our lawyers, business men, and judges."
"That will be fine," said the Philadelphian, simply. "You're more than generous. There are one or two other people I want to meet in between, and"—he arose and looked at his own watch—"I'll find the Union Club. Where is the office of Arneel & Co.?"
At the mention of the great beef-packer, who was one of the bank's heaviest depositors, Addison stirred slightly with approval. This young man, at least eight years his junior, looked to him like a future grand seigneur of finance.
At the Union Club, at this noontime luncheon, after talking with the portly, conservative, aggressive Arneel and the shrewd director of the stock-exchange, Cowperwood met a varied company of men ranging in age from thirty-five to sixty-five gathered about the board in a private dining-room of heavily carved black walnut, with pictures of elder citizens of Chicago on the walls and an attempt at artistry in stained glass in the windows. There were short and long men, lean and stout, dark and blond men, with eyes and jaws which varied from those of the tiger, lynx, and bear to those of the fox, the tolerant mastiff, and the surly bulldog. There were no weaklings in this selected company.
Mr. Arneel and Mr. Addison Cowperwood approved of highly as shrewd, concentrated men. Another who interested him was Anson Merrill, a small, polite, recherche soul, suggesting mansions and footmen and remote luxury generally, who was pointed out by Addison as the famous dry-goods prince of that name, quite the leading merchant, in the retail and wholesale sense, in Chicago.
Still another was a Mr. Rambaud, pioneer railroad man, to whom Addison, smiling jocosely, observed: "Mr. Cowperwood is on from Philadelphia, Mr. Rambaud, trying to find out whether he wants to lose any money out here. Can't you sell him some of that bad land you have up in the Northwest?"
Rambaud—a spare, pale, black-bearded man of much force and exactness, dressed, as Cowperwood observed, in much better taste than some of the others—looked at Cowperwood shrewdly but in a gentlemanly, retiring way, with a gracious, enigmatic smile. He caught a glance in return which he could not possibly forget. The eyes of Cowperwood said more than any words ever could. Instead of jesting faintly Mr. Rambaud decided to explain some things about the Northwest. Perhaps this Philadelphian might be interested.
To a man who has gone through a great life struggle in one metropolis and tested all the phases of human duplicity, decency, sympathy, and chicanery in the controlling group of men that one invariably finds in every American city at least, the temperament and significance of another group in another city is not so much, and yet it is. Long since Cowperwood had parted company with the idea that humanity at any angle or under any circumstances, climatic or otherwise, is in any way different. To him the most noteworthy characteristic of the human race was that it was strangely chemic, being anything or nothing, as the hour and the condition afforded. In his leisure moments—those free from practical calculation, which were not many—he often speculated as to what life really was. If he had not been a great financier and, above all, a marvelous organizer he might have become a highly individualistic philosopher—a calling which, if he had thought anything about it at all at this time, would have seemed rather trivial. His business as he saw it was with the material facts of life, or, rather, with those third and fourth degree theorems and syllogisms which control material things and so represent wealth. He was here to deal with the great general needs of the Middle West—to seize upon, if he might, certain well-springs of wealth and power and rise to recognized authority. In his morning talks he had learned of the extent and character of the stock-yards' enterprises, of the great railroad and ship interests, of the tremendous rising importance of real estate, grain speculation, the hotel business, the hardware business. He had learned of universal manufacturing companies—one that made cars, another elevators, another binders, another windmills, another engines. Apparently, any new industry seemed to do well in Chicago. In his talk with the one director of the Board of Trade to whom he had a letter he had learned that few, if any, local stocks were dealt in on 'change. Wheat, corn, and grains of all kinds were principally speculated in. The big stocks of the East were gambled in by way of leased wires on the New York Stock Exchange—not otherwise.
As he looked at these men, all pleasantly civil, all general in their remarks, each safely keeping his vast plans under his vest, Cowperwood wondered how he would fare in this community. There were such difficult things ahead of him to do. No one of these men, all of whom were in their commercial-social way agreeable, knew that he had only recently been in the penitentiary. How much difference would that make in their attitude? No one of them knew that, although he was married and had two children, he was planning to divorce his wife and marry the girl who had appropriated to herself the role which his wife had once played.
"Are you seriously contemplating looking into the Northwest?" asked Mr.
Rambaud, interestedly, toward the close of the luncheon.
"That is my present plan after I finish here. I thought I'd take a short run up there."
"Let me put you in touch with an interesting party that is going as far as Fargo and Duluth. There is a private car leaving Thursday, most of them citizens of Chicago, but some Easterners. I would be glad to have you join us. I am going as far as Minneapolis."
Cowperwood thanked him and accepted. A long conversation followed about the Northwest, its timber, wheat, land sales, cattle, and possible manufacturing plants.
What Fargo, Minneapolis, and Duluth were to be civically and financially were the chief topics of conversation. Naturally, Mr. Rambaud, having under his direction vast railroad lines which penetrated this region, was confident of the future of it. Cowperwood gathered it all, almost by instinct. Gas, street-railways, land speculations, banks, wherever located, were his chief thoughts.
Finally he left the club to keep his other appointments, but something of his personality remained behind him. Mr. Addison and Mr. Rambaud, among others, were sincerely convinced that he was one of the most interesting men they had met in years. And he scarcely had said anything at all—just listened.
Chapter III
A Chicago Evening
After his first visit to the bank over which Addison presided, and an informal dinner at the latter's home, Cowperwood had decided that he did not care to sail under any false colors so far as Addison was concerned. He was too influential and well connected. Besides, Cowperwood liked him too much. Seeing that the man's leaning toward him was strong, in reality a fascination, he made an early morning call a day or two after he had returned from Fargo, whither he had gone at Mr. Rambaud's suggestion, on his way back to Philadelphia, determined to volunteer a smooth presentation of his earlier misfortunes, and trust to Addison's interest to make him view the matter in a kindly light. He told him the whole story of how he had been convicted of technical embezzlement in Philadelphia and had served out his term in the Eastern Penitentiary. He also mentioned his divorce and his intention of marrying again.
Addison, who was the weaker man of the two and yet forceful in his own way, admired this courageous stand on Cowperwood's part. It was a braver thing than he himself could or would have achieved. It appealed to his sense of the dramatic. Here was a man who apparently had been dragged down to the very bottom of things, his face forced in the mire, and now he was coming up again strong, hopeful, urgent. The banker knew many highly respected men in