ten per cent, on twenty dollars?”

Tim Hagan stared at the shimmering heat-waves of the desert and tried to solve the problem.

“What’s one-tenth of twenty million?” Young Dick demanded irritably.

“Huh! — two million, of course.”

“Well, five per cent’s half of ten per cent. What does twenty million earn at five per cent, for one year?”

Tim hesitated.

“Half of it, half of two million!” Young Dick cried. “At that rate I’m a million richer every year. Get that, and hang on to it, and listen to me. When I’m good and willing to go back — but not for years an’ years —