it for you in safe, conservative ways,” Mr. Slocum assured him.

“No speculation,” Young Dick warned. “Dad’s just been lucky — I’ve heard him say that times have changed and a fellow can’t take the chances everybody used to take.”

From which, and from much which has already passed, it might erroneously be inferred that Young Dick was a mean and money-grubbing soul. On the contrary, he was at that instant entertaining secret thoughts and plans so utterly regardless and disdainful of his twenty millions as to place him on a par with a drunken sailor sowing the beach with a three years’ pay-day.

“I am only a boy,” Young Dick went on. “But you don’t know me very well yet. We’ll get better acquainted by and by, and, again thanking you� .”