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Elm Bank, but I like the fresh air, even for a short distance.”

Here was a surprise for Walter.

β€œAre you going to Elm Bank?” he said. β€œSo am I.”





CHAPTER XIII A YOUNG INSURANCE AGENT

β€œYou don't live in Elm Bank?” said the young girl, inquiringly.

β€œNo,” answered Walter, swelling with pardonable pride. β€œI am going there on business.”

β€œHave you ever been there before?” asked his fair companion.

β€œNo.”

β€œYou look young to be in business.”

β€œI haven't been in business long,” returned Walter, wondering if he looked so very young. Then he added, with a sudden impulse, β€œI am an insurance agent.”

β€œAre you? Iβ€”I thought—”

β€œWhat did you think?” asked Walter, a little curious.

β€œI would rather not say it.”

β€œI wish you would.”

β€œYou will promise not to be offended?”

β€œYes.”

β€œI have been told that insurance agents are very cheeky.”

Walter laughed.

β€œI don't know about that,” he said. β€œI haven't been in the business long enough yet. Do you know if any insurance agents have visited Elm Bank lately?”

β€œNo, I don't think so.”

β€œPerhaps you would like to have your life insured?” said Walter, with a humorous look.

β€œCan you insure me fifty cents' worth?”

β€œI am afraid not.”

β€œThen I must put it off, for that is all the money I have.”

Conversation drifted into other channels, and was kept up till the cars slowed down and the conductor, putting his head in at the door, called out, β€œElm Bank.”

Walter and his companion rose and, leaving the car, stepped out on the platform. Walter asked leave to carry a small bundle belonging to the young lady.

β€œCould you recommend any one who is likely to want his life insured?” he asked.

His companion pointed to a small house some quarter of a mile distant, but plainly visible on account of its high location.

β€œThat house belongs to a German named Louis Fishbach,” she said. β€œHe has a little money, and earns good wages in a shoe shop. He has a wife and four young children. Perhaps he will be willing to insure.”

β€œThank you. I will try him.”

β€œI will leave you here, as I live in a different direction. I am sure I am much obliged to you for your politeness, Mr.—” Here she hesitated.

β€œSherwood,” supplied Walter.

β€œMr. Sherwood. My name is Jennie Gilbert.”

β€œGood afternoon, Miss Jennie,” said Walter, politely removing his hat.

He stopped a moment and watched the retreating figure of the young girl.

β€œI hope I shall meet her again some time,” he said to himself.

β€œI say, who be you?”

Walter turned quickly, and found himself confronted by a stout, hulking young fellow, broad-shouldered, and dressed in country fashion. He was, judging from his appearance, about twenty-one years of age. His tone and face indicated that he was displeased.

β€œWhy do you want to know?” asked Walter coldly.

β€œWhy do I want to know? I'll tell you why I want to know. I ain't goin' to have any city dude chinning up to my best girl.”

β€œIs Miss Jennie Gilbert your best girl?” asked Walter.

β€œWell, she can be if she wants to be. I picked her out a year ago, and as soon as she is old enough I'm goin' to let her know it.”

β€œThen she isn't your best girl now?”

β€œNo matter whether she is or not. I ain't goin' to have you paying 'tentions to her.”

β€œI don't see what business it is of yours,” retorted Walter.

β€œYou'll find out if I give you a lickin'!” growled the other, handling the stick which he carried in a suggestive manner.

Walter was inclined to retort in kind, but all at once it struck him as foolish to get into a quarrel about a girl whom he had known less than an hour.

β€œIf it will make you feel any better,” he said, β€œI'll tell you that I got acquainted with Miss Gilbert in the cars this afternoon. I never met her before, and, as I live in Chicago, I don't suppose I shall ever meet her again.”

The young man's face cleared up.

β€œCome, that's honest,” he said. β€œI thought you wanted to cut me out.”

β€œIf Miss Gilbert likes you I shan't interfere,” said Walter. β€œNow I'm going to talk business. I would like to insure your life.”

β€œWhat's that? You ain't a doctor, be you?”

β€œNo.”

Walter proceeded to explain in as simple terms as he could command the object and methods of life insurance.

The young man scratched his head.

β€œWhen do I get the money?” he asked.

β€œIt is paid after your death.”

β€œThen it won't do me any good.”

β€œNo; but suppose you have a wife and childrenβ€”you would like to leave them something, wouldn't you?”

β€œI might live longer than my wife,” suggested the young man triumphantly.

Walter found that his new acquaintance could only be influenced by considerations of personal advantage, and was compelled to give up the attempt to insure him.

He kept on his way till he reached the house of Mr. Fishbach, to whom he had been recommended.

Fortunately for his purpose, the shoe shop in which the German was employed was closed for the day, and Walter found him at home mending a wagon in the back yard.

β€œGood afternoon, Mr. Fishbach,” said Walter, raising his hat politely.

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