Shirley Wells admired Ralph Gaynor but he marveled at his methods. Instead of taking him down to the bank building to review the former methods of conducting the business, Gaynor persisted in interviewing any and all with whom he came in contact: business and professional men, farmers and laborers, women clerks and housewives. His questions were casual, the extended answers were his reward. That evening, in Townsend's office, he delivered his estimates and opinion. "Banking service is badly needed in your city. Your present plans are timely. A news story should go out tomorrow that the organization is formed and will be functioning next week--this to prevent others from invading this fine prospect. You have present opportunity to secure the services of young Nelson, down at the Wide-Awake, as a receiving teller. He is fast and accurate in money matters. The young lady that compiled Mr. Townsend's reports can, and should, take care of the growing bookkeeping. You will not make a great deal of money in this first year of operation. After that, you will have the best banking investment I know of." "But what about our new cashier, Shirley Wells?" inquired Townsend. "What's his job? He and his little friend here own practically all the stock." "The banking business," said Gaynor, "has its peculiarities. Back of the counter, it's simply a matter of accuracy. In front of the counter, however, it's a question of diplomacy and good judgment. Shirley Wells is an asset. His business is in front of the counter, greeting the trade and broadening the field for service. A bank must have assets if it is to make loans." The Wells National Bank, with its tidy and growing millions of assets, is functioning at 201 North Oak Street, Bransford, U.S.A. Just where should these ramblings end? A tragedy ends at the death of any or all; a comedy ends with one of the revived jokes of former years; a biography should terminate at the grave, and a romance finishes as the groom carries his hard-won prize across the threshold of the cottage or palace. What's the finish here? A start was made to tell the life story of a midget, but complications arose that could not be avoided. Instead of traveling the infrequent paths of the Lilliputians the journey has, in many instances, swept down the traffic-filled thoroughfare of the big adults. But midgets are few in number, they have few contacts with each other. In most every instance, their employment is to exhibit themselves to the thousands and thousands who come to see and comment.