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He
hurried
to
visit
George
Waterman
;
David
Wiggin
,
his
wife
's
brother
,
who
was
now
fairly
well
to
do
;
Joseph
Zimmerman
,
the
wealthy
dry-goods
dealer
who
had
dealt
with
him
in
the
past
;
Judge
Kitchen
,
a
private
manipulator
of
considerable
wealth
;
Frederick
Van
Nostrand
,
the
State
treasurer
,
who
was
interested
in
local
street-railway
stocks
,
and
others
.
Of
all
those
to
whom
he
appealed
one
was
actually
not
in
a
position
to
do
anything
for
him
;
another
was
afraid
;
a
third
was
calculating
eagerly
to
drive
a
hard
bargain
;
a
fourth
was
too
deliberate
,
anxious
to
have
much
time
.
All
scented
the
true
value
of
his
situation
,
all
wanted
time
to
consider
,
and
he
had
no
time
to
consider
.
Judge
Kitchen
did
agree
to
lend
him
thirty
thousand
dollars
--
a
paltry
sum
.
Joseph
Zimmerman
would
only
risk
twenty-five
thousand
dollars
.
He
could
see
where
,
all
told
,
he
might
raise
seventy-five
thousand
dollars
by
hypothecating
double
the
amount
in
shares
;
but
this
was
ridiculously
insufficient
.
He
had
figured
again
,
to
a
dollar
,
and
he
must
have
at
least
two
hundred
and
fifty
thousand
dollars
above
all
his
present
holdings
,
or
he
must
close
his
doors
.
To-morrow
at
two
o'clock
he
would
know
.
If
he
did
n't
he
would
be
written
down
as
"
failed
"
on
a
score
of
ledgers
in
Philadelphia
.
What
a
pretty
pass
for
one
to
come
to
whose
hopes
had
so
recently
run
so
high
!
There
was
a
loan
of
one
hundred
thousand
dollars
from
the
Girard
National
Bank
which
he
was
particularly
anxious
to
clear
off
.
This
bank
was
the
most
important
in
the
city
,
and
if
he
retained
its
good
will
by
meeting
this
loan
promptly
he
might
hope
for
favors
in
the
future
whatever
happened
.
Yet
,
at
the
moment
,
he
did
not
see
how
he
could
do
it
.
He
decided
,
however
,
after
some
reflection
,
that
he
would
deliver
the
stocks
which
Judge
Kitchen
,
Zimmerman
,
and
others
had
agreed
to
take
and
get
their
checks
or
cash
yet
this
night
.
Then
he
would
persuade
Stener
to
let
him
have
a
check
for
the
sixty
thousand
dollars
'
worth
of
city
loan
he
had
purchased
this
morning
on
'
change
.
Out
of
it
he
could
take
twenty-five
thousand
dollars
to
make
up
the
balance
due
the
bank
,
and
still
have
thirty-five
thousand
for
himself
.
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The
one
unfortunate
thing
about
such
an
arrangement
was
that
by
doing
it
he
was
building
up
a
rather
complicated
situation
in
regard
to
these
same
certificates
.
Since
their
purchase
in
the
morning
,
he
had
not
deposited
them
in
the
sinking-fund
,
where
they
belonged
(
they
had
been
delivered
to
his
office
by
half
past
one
in
the
afternoon
)
,
but
,
on
the
contrary
,
had
immediately
hypothecated
them
to
cover
another
loan
.
It
was
a
risky
thing
to
have
done
,
considering
that
he
was
in
danger
of
failing
and
that
he
was
not
absolutely
sure
of
being
able
to
take
them
up
in
time
.
But
,
he
reasoned
,
he
had
a
working
agreement
with
the
city
treasurer
(
illegal
of
course
)
,
which
would
make
such
a
transaction
rather
plausible
,
and
almost
all
right
,
even
if
he
failed
,
and
that
was
that
none
of
his
accounts
were
supposed
necessarily
to
be
put
straight
until
the
end
of
the
month
.
If
he
failed
,
and
the
certificates
were
not
in
the
sinking-fund
,
he
could
say
,
as
was
the
truth
,
that
he
was
in
the
habit
of
taking
his
time
,
and
had
forgotten
.
This
collecting
of
a
check
,
therefore
,
for
these
as
yet
undeposited
certificates
would
be
technically
,
if
not
legally
and
morally
,
plausible
.
The
city
would
be
out
only
an
additional
sixty
thousand
dollars
--
making
five
hundred
and
sixty
thousand
dollars
all
told
,
which
in
view
of
its
probable
loss
of
five
hundred
thousand
did
not
make
so
much
difference
.
But
his
caution
clashed
with
his
need
on
this
occasion
,
and
he
decided
that
he
would
not
call
for
the
check
unless
Stener
finally
refused
to
aid
him
with
three
hundred
thousand
more
,
in
which
case
he
would
claim
it
as
his
right
.
In
all
likelihood
Stener
would
not
think
to
ask
whether
the
certificates
were
in
the
sinking-fund
or
not
.
If
he
did
,
he
would
have
to
lie
--
that
was
all
.
He
drove
rapidly
back
to
his
office
,
and
,
finding
Butler
's
note
,
as
he
expected
,
wrote
a
check
on
his
father
's
bank
for
the
one
hundred
thousand
dollars
which
had
been
placed
to
his
credit
by
his
loving
parent
,
and
sent
it
around
to
Butler
's
office
.
There
was
another
note
,
from
Albert
Stires
,
Stener
's
secretary
,
advising
him
not
to
buy
or
sell
any
more
city
loan
--
that
until
further
notice
such
transactions
would
not
be
honored
.
Cowperwood
immediately
sensed
the
source
of
this
warning
.
Stener
had
been
in
conference
with
Butler
or
Mollenhauer
,
and
had
been
warned
and
frightened
.
Nevertheless
,
he
got
in
his
buggy
again
and
drove
directly
to
the
city
treasurer
's
office
.
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Since
Cowperwood
's
visit
Stener
had
talked
still
more
with
Sengstack
,
Strobik
,
and
others
,
all
sent
to
see
that
a
proper
fear
of
things
financial
had
been
put
in
his
heart
.
The
result
was
decidedly
one
which
spelled
opposition
to
Cowperwood
.
Strobik
was
considerably
disturbed
himself
.
He
and
Wycroft
and
Harmon
had
also
been
using
money
out
of
the
treasury
--
much
smaller
sums
,
of
course
,
for
they
had
not
Cowperwood
's
financial
imagination
--
and
were
disturbed
as
to
how
they
would
return
what
they
owed
before
the
storm
broke
.
If
Cowperwood
failed
,
and
Stener
was
short
in
his
accounts
,
the
whole
budget
might
be
investigated
,
and
then
their
loans
would
be
brought
to
light
.
The
thing
to
do
was
to
return
what
they
owed
,
and
then
,
at
least
,
no
charge
of
malfeasance
would
lie
against
them
.