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forget to put your overalls on, and then you climb trees, I suppose, or something else as destructive; and after that you rush off downtown where everybody sees you looking like the Old Scratch⁠—that’s what your father said, and it troubles him, too, dear. You were so particular all through college, always just the very pink of fashion, and now, all of a sudden, you’ve changed the way some young men do when they’ve married and get careworn over having two or three babies at home. Won’t you try to reform, dear?”

He laughed and petted her, and went on as before, unreformed. Clerks, glancing out of the great plate-glass windows of a trust company, would giggle as they saw him hurrying by on his way from one office to another, rehearsing to himself as he went and disfiguring his memorandum book with hasty new mathematics. “There it goes again!” they would say, perhaps. “Big Chief Ten-Years-From-Now, rushin’ the season in year-before-last’s straw hat and a Seymour coat! Look at him talkin’ to his old notebook, though! Guess that’s about all he’s got left he can talk to without gettin’ laughed to death!”

Dan found one listener, however, who did not laugh, but listened to him without interruption, until the oration was concluded, although it was unduly protracted under the encouragement of such benevolent circumstance. This was Mr. Joseph Kohn, the father of Dan’s former partner in the ornamental bracket business. Kohn & Sons was an establishment formerly mentioned by National Avenue as a “cheap Jew dry-goods store”; and prosperous housewives usually laughed apologetically about anything they happened to have bought there. But, as the years went by, the façade of Kohn & Sons widened; small shops on each side were annexed, and the “cheap dry-goods store” was spoken of as a “cheap department store,” until in time it became customary to omit the word “cheap.” Old Joe Kohn was one of the directors of the First National Bank; he enjoyed the friendship of the president of that institution, and was mentioned in a tone of respect by even the acrid Shelby.

In the presence of this power in the land, then, Dan was profuse of his utmost possible eloquence. Unchecked, he became even grandiose, while the quiet figure at the desk smoked a cigar thoughtfully; and young Sam Kohn, not yet admitted to partnership with his father and older brother, but a floorwalker in the salesrooms below, sat with his elbows on his knees and his chin on his fists, listening with admiration.

“My gracious, Dan,” he said, when the conclusion at last appeared to have been reached;⁠—“you are certainly a natural-born goods seller! I wish we had you on the road for us.”

“Yes, Sam,” his father agreed pleasantly. “He talks pretty good. I don’t know as I seldom heard no better.”

“But what do you think of it?” the eager Dan urged. “What I want to know: Don’t you think I’ve made my case? Don’t you believe that Ornaby Addition⁠—”

“Let’s wait a minute,” Mr. Kohn interrupted quietly. “Let’s listen here a minute. First, there’s the distance. You say yourself Shelby says he ain’t goin’ to put no car line out there; and it’s true he ain’t.”

“But I told you I haven’t given that up, Mr. Kohn. I expect to have another talk with Mr. Shelby next week.”

“He don’t,” Mr. Kohn remarked. “He spoke to me yesterday a good deal about it at bank directors’ meeting. No, Mr. Oliphant; don’t you expect it. You ain’t goin’ to git no car line until you got people out there, and how can you git people out there till you git a car line? Now wait!” With a placative gesture he checked Dan, who had instantly begun to explain that with enough capital the Addition could build its own tracks. “Wait a minute,” Mr. Kohn went on. “If you can’t git enough capital for your Addition how could you git it for a car line, too? No, Mr. Oliphant; but I want to tell you I got some idea maybe you’re right about how this city’s goin’ to grow. I’ve watched it for thirty years, and also I know something myself how the people been comin’ from Europe, and how they’re still comin’. It ain’t only them;⁠—people come to the cities from the country like they didn’t used to. The more they git a little bit education, the more they want to live in a city; that’s where you’re goin’ to git a big puportion the people you claim’s goin’ to crowd in here.

“But listen a minute, Mr. Oliphant; that there Ornaby’s farm is awful far out in the country. Now wait! I’m tellin’ you now, Mr. Oliphant, please. Times are changin’ because all the time we git so much new invented machinery. Workin’ people are willin’ to live some ways from where they work, even if they ain’t on a car line. Why is that? It’s because they can’t afford a horse and buggy, but now they got bicycles. But you can’t git ’em to live as far out as that there Ornaby’s farm, even with bicycles, because except in summer the roads ain’t nothing but mud or frozen ruts and snow, and you can’t git no asphalt street put out there. The city council wouldn’t ever⁠—”

“Not today,” Dan admitted. “I don’t expect to do this all in a week or so, Mr. Kohn. But ten years from now⁠—”

“Yes; that’s it!” Mr. Kohn interrupted. “You come around and talk to me ten years from now about it, and I might put some money into it then. Today I can’t see it. All at the same time if I was you I wouldn’t be discouraged. I won’t put a cent in it, Mr. Oliphant, because the way it stands now, it don’t look to me like no good proposition. But you already got your own money in; you should go ahead and not git discouraged because who can swear you won’t git it out again? Many’s the time I seen a man git his money out and clean up nice when everybody

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