"If I get out of this safely," he said to himself, "this is the end. I am going West, and going into some other line of business." He thought of street-railways, land speculation, some great manufacturing project of some kind, even mining, on a legitimate basis.

"I have had my lesson," he said to himself, finally getting up and preparing to leave. "I am as rich as I was, and only a little older. They caught me once, but they will not catch me again." He talked to Wingate about following up the campaign on the lines in which he had started, and he himself intended to follow it up with great energy; but all the while his mind was running with this one rich thought: "I am a millionaire. I am a free man. I am only thirty-six, and my future is all before me."

It was with this thought that he went to visit Aileen, and to plan for the future.

It was only three months later that a train, speeding through the mountains of Pennsylvania and over the plains of Ohio and Indiana, bore to Chicago and the West the young financial aspirant who, in spite of youth and wealth and a notable vigor of body, was a solemn, conservative speculator as to what his future might be. The West, as he had carefully calculated before leaving, held much. He had studied the receipts of the New York Clearing House recently and the disposition of bank-balances and the shipment of gold, and had seen that vast quantities of the latter metal were going to Chicago. He understood finance accurately. The meaning of gold shipments was clear. Where money was going trade was-a thriving, developing life. He wished to see clearly for himself what this world had to offer.

Two years later, following the meteoric appearance of a young speculator in Duluth, and after Chicago had seen the tentative opening of a grain and commission company labeled Frank A. Cowperwood & Co., which ostensibly dealt in the great wheat crops of the West, a quiet divorce was granted Mrs. Frank A. Cowperwood in Philadelphia, because apparently she wished it. Time had not seemingly dealt badly with her. Her financial affairs, once so bad, were now apparently all straightened out, and she occupied in West Philadelphia, near one of her sisters, a new and interesting home which was fitted with all the comforts of an excellent middle-class residence. She was now quite religious once more. The two children, Frank and Lillian, were in private schools, returning evenings to their mother. "Wash" Sims was once more the negro general factotum. Frequent visitors on Sundays were Mr. and Mrs. Henry Worthington Cowperwood, no longer distressed financially, but subdued and wearied, the wind completely gone from their once much-favored sails. Cowperwood, senior, had sufficient money wherewith to sustain himself, and that without slaving as a petty clerk, but his social joy in life was gone. He was old, disappointed, sad. He could feel that with his quondam honor and financial glory, he was the same-and he was not. His courage and his dreams were gone, and he awaited death.

Here, too, came Anna Adelaide Cowperwood on occasion, a clerk in the city water office, who speculated much as to the strange vicissitudes of life. She had great interest in her brother, who seemed destined by fate to play a conspicuous part in the world; but she could not understand him. Seeing that all those who were near to him in any way seemed to rise or fall with his prosperity, she did not understand how justice and morals were arranged in this world. There seemed to be certain general principles-or people assumed there were-but apparently there were exceptions. Assuredly her brother abided by no known rule, and yet he seemed to be doing fairly well once more. What did this mean? Mrs. Cowperwood, his former wife, condemned his actions, and yet accepted of his prosperity as her due. What were the ethics of that?

Cowperwood's every action was known to Aileen Butler, his present whereabouts and prospects. Not long after his wife's divorce, and after many trips to and from this new world in which he was now living, these two left Philadelphia together one afternoon in the winter. Aileen explained to her mother, who was willing to go and live with Norah, that she had fallen in love with the former banker and wished to marry him. The old lady, gathering only a garbled version of it at first, consented.

Thus ended forever for Aileen this long-continued relationship with this older world. Chicago was before her-a much more distinguished career, Frank told her, than ever they could have had in Philadelphia.

"Isn't it nice to be finally going?" she commented.

"It is advantageous, anyhow," he said. Concerning Mycteroperca Bonaci There is a certain fish, the scientific name of which is Mycteroperca Bonaci, its common name Black Grouper, which is of considerable value as an afterthought in this connection, and which deserves to be better known. It is a healthy creature, growing quite regularly to a weight of two hundred and fifty pounds, and lives a comfortable, lengthy existence because of its very remarkable ability to adapt itself to conditions. That very subtle thing which we call the creative power, and which we endow with the spirit of the beatitudes, is supposed to build this mortal life in such fashion that only honesty and virtue shall prevail. Witness, then, the significant manner in which it has fashioned the black grouper. One might go far afield and gather less forceful indictments-the horrific spider spinning his trap for the unthinking fly; the lovely Drosera (Sundew) using its crimson calyx for a smothering-pit in which to seal and devour the victim of its beauty; the rainbow-colored jellyfish that spreads its prismed tentacles like streamers of great beauty, only to sting and torture all that falls within their radiant folds. Man himself is busy digging the pit and fashioning the snare, but he will not believe it. His feet are in the trap of circumstance; his eyes are on an illusion.

Mycteroperca moving in its dark world of green waters is as fine an illustration of the constructive genius of nature, which is not beatific, as any which the mind of man may discover. Its great superiority lies in an almost unbelievable power of simulation, which relates solely to the pigmentation of its skin. In electrical mechanics we pride ourselves on our ability to make over one brilliant scene into another in the twinkling of an eye, and flash before the gaze of an onlooker picture after picture, which appear and disappear as we look. The directive control of Mycteroperca over its appearance is much more significant. You cannot look at it long without feeling that you are witnessing something spectral and unnatural, so brilliant is its power to deceive. From being black it can become instantly white; from being an earth-colored brown it can fade into a delightful water-colored green. Its markings change as the clouds of the sky. One marvels at the variety and subtlety of its power.

Lying at the bottom of a bay, it can simulate the mud by which it is surrounded. Hidden in the folds of glorious leaves, it is of the same markings. Lurking in a flaw of light, it is like the light itself shining dimly in water. Its power to elude or strike unseen is of the greatest.

What would you say was the intention of the overruling, intelligent, constructive force which gives to Mycteroperca this ability? To fit it to be truthful? To permit it to present an unvarying appearance which all honest life-seeking fish may know? Or would you say that subtlety, chicanery, trickery, were here at work? An implement of illusion one might readily suspect it to be, a living lie, a creature whose business it is to appear what it is not, to simulate that with which it has nothing in common, to get its living by great subtlety, the power of its enemies to forefend against which is little. The indictment is fair.

Would you say, in the face of this, that a beatific, beneficent creative, overruling power never wills that which is either tricky or deceptive? Or would you say that this material seeming in which we dwell is itself an illusion? If not, whence then the Ten Commandments and the illusion of justice? Why were the Beatitudes dreamed of and how do they avail? The Magic Crystal If you had been a mystic or a soothsayer or a member of that mysterious world which divines by incantations, dreams, the mystic bowl, or the crystal sphere, you might have looked into their mysterious depths at this time and foreseen a world of happenings which concerned these two, who were now apparently so fortunately placed. In the fumes of the witches' pot, or the depths of the radiant crystal, might have been revealed cities, cities, cities; a world of mansions, carriages, jewels, beauty; a vast metropolis outraged by the power of one man; a great state seething with indignation over a force it could not control; vast halls of priceless pictures; a palace unrivaled for its magnificence; a whole world reading with wonder, at times, of a given name. And sorrow, sorrow, sorrow.

The three witches that hailed Macbeth upon the blasted heath might in turn have called to Cowperwood, "Hail to you, Frank Cowperwood, master of a great railway system! Hail to you, Frank Cowperwood, builder of a priceless mansion! Hail to you, Frank Cowperwood, patron of arts and possessor of endless riches! You shall be famed hereafter." But like the Weird Sisters, they would have lied, for in the glory was also the ashes of Dead Sea fruit-an understanding that could neither be inflamed by desire nor satisfied by luxury; a heart that was long since wearied by experience; a soul that was as bereft of illusion as a windless moon. And to Aileen, as to Macduff, they might have spoken a more pathetic promise, one that concerned hope and failure. To have and not to have! All the seeming, and yet the sorrow of not having! Brilliant society that shone in a mirage, yet locked its doors; love that eluded as a will-o'-the-wisp and died in the dark. "Hail to you, Frank Cowperwood, master and no master, prince of a world of dreams whose reality was disillusion!" So might the witches have called, the bowl have danced with figures, the fumes with vision, and it would have been true. What wise man might not read from such a beginning, such an end?

Title: The Financier
Author: Theodore Dreiser
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