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on a small scale.

      Those who recall the early years of their married life can best realize the subtle changes which this new condition brought to Frank, for, like all who accept the hymeneal yoke[55], he was influenced to a certain extent by the things with which he surrounded himself. Primarily, from certain traits of his character, one would have imagined him called to be a citizen of eminent respectability and worth. He appeared to be an ideal home man. He delighted to return to his wife in the evenings, leaving the crowded downtown section where traffic clamored and men hurried. Here he could feel that he was well-stationed and physically happy in life. The thought of the dinner-table with candles upon it (his idea); the thought of Lillian in a trailing gown of pale-blue or green silk – he liked her in those colors; the thought of a large fireplace flaming with solid lengths of cord-wood, and Lillian snuggling in his arms, gripped his immature imagination. As has been said before, he cared nothing for books, but life, pictures, trees, physical contact – these, in spite of his shrewd and already gripping financial calculations, held him. To live richly, joyously, fully – his whole nature craved that.

      And Mrs. Cowperwood, in spite of the difference in their years, appeared to be a fit mate for him at this time. She was once awakened, and for the time being, clinging, responsive, dreamy. His mood and hers was for a baby, and in a little while that happy expectation was whispered to him by her. She had half fancied that her previous barrenness was due to herself, and was rather surprised and delighted at the proof that it was not so. It opened new possibilities – a seemingly glorious future of which she was not afraid. He liked it, the idea of self-duplication. It was almost acquisitive, this thought. For days and weeks and months and years, at least the first four or five, he took a keen satisfaction in coming home evenings, strolling about the yard, driving with his wife, having friends in to dinner, talking over with her in an explanatory way the things he intended to do. She did not understand his financial abstrusities, and he did not trouble to make them clear.

      But love, her pretty body, her lips, her quiet manner – the lure of all these combined, and his two children, whenthey came – two in four years – held him. He would dandle Frank, Jr., who was the first to arrive, on his knee, looking athis chubby feet, his kindling eyes, his almost formless yet budlike mouth, and wonder at the process by which children came into the world. There was so much to think of in this connection – the spermatozoic beginning, the strange period of gestation in women, the danger of disease and delivery. Hehad gone through a real period of strain when Frank,Jr., was born, for Mrs. Cowperwood was frightened. He feared for the beauty of her body – troubled over the danger of losing her; and he actually endured his first worry when he stood outside the door the day the child came. Not much – he was too self-sufficient, too resourceful; and yet he worried, conjuring up thoughts of death and the end of their present state. Then word came, after certain piercing, harrowing cries, that all was well, and he was permitted to look at the new arrival. The experience broadened his conception of things, made him more solid in his judgment of life. That old conviction of tragedy underlying the surface of things, like wood under its veneer, was emphasized. Little Frank, and later Lillian, blue-eyed and golden-haired, touched his imagination for a while. There was a good deal to this home idea, after all. That was the way life was organized, and properly so – its cornerstone was the home.

      It would be impossible to indicate fully how subtle were the material changes which these years involved – changes so gradual that they were, like the lap of soft waters, unnoticeable. Considerable – a great deal, considering how little he had to begin with – wealth was added in the next five years. He came, in his financial world, to know fairly intimately, as commercial relationships go, some of the subtlest characters of the steadily enlarging financial world. In his days at Tighe’s and on the exchange, many curious figures had been pointed out to him – State and city officials of one grade and another who were “making something out of politics,” and some national figures who came from Washington to Philadelphia at times to see Drexel & Co., Clark & Co., and even Tighe & Co. These men, as he learned, had tips or advance news of legislative or economic changes which were sure to affect certain stocks or trade opportunities. A young clerk had once pulled his sleeve at Tighe’s.

      “See that man going in to see Tighe?”

      “Yes.”

      “That’s Murtagh, the city treasurer. Say, he don’t do anything but play a fine game. All that money to invest, and he don’t have to account for anything except the principal. The interest goes to him.”

      Cowperwood understood. All these city and State officials speculated. They had a habit of depositing city and State funds with certain bankers and brokers as authorized agents or designated State depositories. The banks paid no interest – save to the officials personally. They loaned it to certain brokers on the officials’ secret order, and the latter invested it in “sure winners.” The bankers got the free use of the money a part of the time, the brokers another part: the officials made money, and the brokers received a fat commission. There was a political ring in Philadelphia in which the mayor, certain members of the council, the treasurer, the chief of police, the commissioner of public works, and others shared. It was a case generally of “You scratch my back and I’ll scratch yours.”[56] Cowperwood thought it rather shabby work at first, but many men were rapidly getting rich and no one seemed to care. The newspapers were always talking about civic patriotism and pride but never a word about these things. And the men who did them were powerful and respected.

      There were many houses, a constantly widening circle, that found him a very trustworthy agent in disposing of note issues or note payment. He seemed to know so quickly where to go to get the money. From the first he made it a principle to keep twenty thousand dollars in cash on hand in order to be able to take up a proposition instantly and without discussion. So, often he was able to say, “Why, certainly, I can do that,” when otherwise, on the face of things, he would not have been able to do so. He was asked if he would not handle certain stock transactions on ’change. He had no seat, and he intended not to take any at first; but now he changed his mind, and bought one, not only in Philadelphia, but in New York also. Acertain Joseph Zimmerman, a dry-goods man for whom he had handled various note issues, suggested that he undertake operating in street-railway shares for him, and this was the beginning of his return to the floor.

      In the meanwhile his family life was changing – growing, one might have said, finer and more secure. Mrs. Cowperwood had, for instance, been compelled from time to time to make a subtle readjustment of her personal relationship with people, as he had with his. When Mr. Semple was alive she had been socially connected with tradesmen principally – retailers and small wholesalers – a very few. Some of the women of her own church, the First Presbyterian, were friendly with her. There had been church teas and sociables which she and Mr. Semple attended, and dull visits to his relatives and hers. The Cowperwoods, the Watermans, and a few families of that caliber, had been the notable exceptions. Now all this was changed. Young Cowperwood did not care very much for her relatives, and the Semples had been alienated by her second, and to them outrageous, marriage. His own family was closely interested by ties of affection and mutual prosperity, but, better than this, he was drawing to himself some really significant personalities. He brought home with him, socially – not to talk business, for he disliked that idea – bankers, investors, customers and prospective customers. Out on the Schuylkill, the Wissahickon[57], and elsewhere, were popular dining places where one could drive on Sunday. He and Mrs. Cowperwood frequently drove out to Mrs. Seneca Davis’s, to Judge Kitchen’s, to the home of Andrew Sharpless, a lawyer whom he knew, to the home of Harper Steger, his own lawyer, and others. Cowperwood had the gift of geniality[58]. None of these men or women suspected the depth of his nature – he was thinking, thinking, thinking, but enjoyed life as he went.

      One of his earliest and most genuine leanings was toward paintings. He admired nature, but somehow, without knowing why, he fancied one could best grasp it through the personality of some interpreter, just as we gain our ideas of law and politics through individuals. Mrs. Cowperwood cared not a whit one way or another, but she accompanied him to exhibitions, thinking all the while that Frank was a little peculiar.

      He

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