"That good old formula, ’Are you all charged?’ is going out," said Chestnut. "I used to hear it when I came in to dessert at my father’s table." "One rarely hears it nowadays," remarked Francis. "But at the Green Tree Insurance Company’s dinners it is still in habitual use. When the cloth is off, the President says, ’Are you all charged, gentlemen?’ and then, ’Success to the Mutual Assurance Company.’ You know, Chestnut, its insurance sign—still to be seen on our older houses—is a green tree. The Hand in Hand Insurance Company refused to insure houses in front of which were trees, because in the last century the fire-engines were unable to throw a stream over or through them. The Mutual accepted such risks, and hence has been always known popularly in Philadelphia as the Green Tree. After a pause, the Vice-President rises and repeats the formal query, ’Are you all charged?’ The directors then stand up, and he says, ’The memory of Washington.’ We have a tradition that the news of the great general’s death in 1799 came while the Board of Directors was dining. From that time until now they have continued to drink that toast." "I like that," said Chestnut. "These ancient customs seem to survive better here than elsewhere in America." "That is true," returned Hamilton. "And what you say reminds me of some odd rules in the Philadelphia Library, which Franklin founded in 1731. We have—at our own cost, of course—a supper of oysters roasted in the shell at a wood fire in the room where we meet. A modest bowl of rum punch completes the fare. Old Ben was afraid that this repast would degenerate into a drinking-bout such as was too common in his time. He therefore ingeniously arranged a table so high that it was impossible to sit at it, and this shrewd device seems to have answered." "When I became a director of the library," said Francis, "my predecessor had been ill for two years. As a consequence, he was fined a shilling for non-attendance at each meeting. This, with the charges for suppers, and for the use of the library as a stockholder, had accumulated a debt of some fifty dollars. Now, as Franklin found it difficult to collect such debts from estates, he made it a rule that the new director, while pleased with the freshness of his novel honor, should pay the bill of the man he succeeded; and accordingly I paid my predecessor’s debts." "How like Poor Richard!" said Wilmington. "I was consoled," added Francis, "by the reflection that I always had the sad privilege of leaving my successor a similar obligation." "Agreeable, that," murmured Wilmington. "But we are trifling, my dear Francis. What is next, Hamilton? Ah, a new wine. That is a wine indeed! A Madeira. Stay! I have drunk it before. A Butler wine, is n’t it?" "Yes. I misplaced the decanters; this should have come later." "I see now," said Chestnut. "What is that curious aftertaste? Prunes? Is n’t it prunes?"