Tandy was not yet past middle age, but he was always called "Old Napper Tandy," chiefly because of certain objectionable traits of character that he possessed. He was reputed to be the "meanest man in Southern Illinois." He was certainly the hardest in driving a bargain, the most merciless in its enforcement. He was cordially hated and very greatly feared. Cold, self-possessed, shrewd, and utterly selfish, his attitude toward his fellow men, and toward himself, was altogether different from that of his greater competitor, Hallam. He felt none of Hallam's "sporting interest," as Duncan called it, in playing the game of commerce and finance. He was quick to see opportunities, and somewhat bold in seizing upon them, but no thought of popular or public benefit to accrue from his enterprises ever found lodgment in his mind. He had put a large sum of money into the Through Line of freight cars, but he had done so with an eye single to his own advantage, with no thought of anything but dividends. He had contemptuously called Duncan "a rainbow chaser," because that young man had spoken with some enthusiasm of the benefits which the cheapening of freight rates must bring to the people East and West. "Well, he has a mighty good knack of catching his rainbows, anyhow," answered Hallam; "and you'd better not let the idea get away with you that he isn't a force to be reckoned with. He's young yet, and very new to business, but you remember it was he who first suggested the Through Line, and worked it out." In brief, Napper Tandy was a very greedy money-getter, and nothing else. He hated Hallam with all that he had of heart, because Hallam was his superior in the conduct of affairs, and because Hallam had so badly beaten him in every case of competitive effort, and perhaps because of some other things. On his part, Will Hallam, without hating, cordially detested the man whom he had thus beaten and made afraid. Nevertheless, these two never quarreled. Each of them was too worldly wise to make an open breach with one whose co-operation in great affairs he might at any time need. "I never quarrel with a man," said Hallam to Duncan, by way of explaining the situation. "I never quarrel with a man till he is in the poor-house. So long as he's at large I may need him any day. It doesn't pay for a man to cut off his own fingers." So between these two there was always an outward semblance of peace, even when war was on between them, and it frequently happened that they were closely associated in enterprises too large for either to conduct so well alone. On the night of the ball, Hallam took Duncan aside and said to him: