Evidently it meant either business or Lucia. Perhaps the merchant during the long depression of the iron trade had borrowed money of the young man’s father, or was now borrowing of him, to avail himself of his increasing opportunities. (Marge had the city man’s customary but erroneous impression as to the bank-surplus of the average “well-to-do” farmer.) If Tramlay were merely a borrower, except against notes and bills receivable, iron had not looked up enough to justify a prudent man in becoming the merchant’s son-in-law. If there had been such transactions, perhaps a share of the business was to pay for them. Inquiries of his banking-acquaintances did not make the matter clearer to Marge; so he resolved to devote himself to the new clerk, as he could safely do in his capacity of co-director of the Improvement Company. The young man had considerable self-possession, Marge admitted to himself; but what would it avail against the fine methods of a man of twice his years, all spent among men who considered it legitimate business to pry into the business-affairs of others? So Marge began operations at once; no time was to be lost. He had no difficulty in making his approaches, and his courtesies were so deftly offered that Phil could not help accepting many of them and feeling grateful for kindness rendered. The young man’s suspicions were soon disarmed, for, like honorable natures in general, he abhorred suspicion. That there was a purpose in all of Marge’s actions Phil could not avoid believing, but little by little he reached the conclusion that it was simply to forward the Improvement Company’s prospects. As Marge himself said, Phil knew the company’s land thoroughly, and was the only person who could talk of it intelligently. Any vestiges of distrust that remained were swept away when Marge succeeded in having the privileges of his club extended to Phil for three months, pending application for admission. It was a small club, and exclusive; Phil heard it named almost reverently by some young men who longed to pass its portals, and among its members were a few men of a social set more prominent than that in which the Tramlays moved.