"That fat fellow in eyeglasses is Crofield the banker, and the hatchet-faced man with white whiskers is John Riggs from Denver, President of the C. A.--worth ten millions. I don't know the others--some bored-to-death fellows, perhaps, starving for a laugh. Jack ought to go slow, for he's dead broke--told me so yesterday." "Perhaps Riggs is paying for the dinner." This was an impertinent suggestion, I know; but then sometimes I can be impertinent--especially when some of my pet theories have to be defended. "Not if Jack invited him. He's the last man in the world to sponge on anybody. Inviting a man to dinner and leaving his pocketbook in his other coat is not Jack's way. If he hasn't got the money in his own clothes, he'll find it somehow, but not in _their_ clothes." "Well, but at times he _must_ have ready money," I insisted. "He can't be living on credit all the time." I have had to work for all my pennies, am of a practical turn of mind, and often live in constant dread of the first of every month--that fatal pay-day from which there is no escape. The success, therefore, of another fellow along different and more luxurious lines naturally irritates me. "Yes, now and then he does need money. But that never bothers Jack. When his tailor, or his shoemaker, or his landlord gets him into a corner, he sends the bill to some of his friends to pay for him. They never come back--anybody would do Stirling a favor, and they know that he never calls on them unless he is up against it solid." I instinctively ran over in my mind which of my own friends I would approach, in a similar emergency, and the notes I would receive in reply. Stirling must know rather a stupid lot of men or they couldn't be buncoed so easily, I thought. Soup was now being served, and Marny and the waiter were discussing the merits of certain vintages, my host insisting on a bottle of '84 in place of the '82, then in the waiter's hand. During the episode I had the opportunity to study Stirling's table. I noticed that hardly a man entered the room who did not stop and lay his hand affectionately on Stirling's shoulder, bending over and joining in the laugh. His guests, too--those about his table--seemed equally loyal and happy. Riggs's hard business face--evidently a man of serious life--was beaming with merriment and twice as wide, under Jack's leadership, and Crofield and the others were leaning forward, their eyes fixed on their host, waiting for the point of his story, then breaking out together in a simultaneous laugh that could be heard all over our part of the room. When Marny had received the wine he wanted--it's extraordinary how critical a man's palate becomes when his income is thousands a year instead of dollars--I opened up again with my battery of questions. His friend had upset all my formulas and made a laughing-stock of my most precious traditions. "Pay as you go and keep out of debt" seemed to belong to a past age.