“I want to tell you some things, little girl,” he said, “and I want you to try to understand them. Above all, I want you to remember them. You know sometimes I have a great deal of money, and sometimes I have none at all. That is because my business is a risky one. Sometimes I make a great deal of money out of it, and sometimes I lose a great deal. “Now, when your mother left me, I made up my mind to provide well for her and you, so that no matter what else should happen, you and she might never come to want. You see, I still loved your mother. I insured my life for a large sum, and as I had plenty of money then, I paid for the insurance cash down. You don’t understand about such things, and it isn’t necessary that you should. But by insuring my life and paying cash for the insurance, I made it certain that whenever I should die, a rich insurance company would pay you a big sum of money; I had purposely made it payable to you and not to your mother, because I knew you would take care of your mother, while she could never take care of anybody or anything. I also bought some bonds and stocks and put them in your name, and placed them in a bank in New York. “Now, I want you to pay close attention and try to understand what I tell you. Here are some papers that I want you to keep always by you—always in your little satchel. Always have them by you when you go to bed, and always lock them up by day. Take them with you wherever you go. “This one is my will. It gives you everything that I may happen to own when I die.” With that, he handed me the papers. “This one is the life-insurance policy. When I die, you, or whoever is acting for you, will have to present that to the life-insurance company, together with doctors’ certificates that I am really dead. Then the company will pay you the money. “This one is a list of the securities—the bonds and stocks—that I have deposited in your name in the Chemical Bank of New York. You see, it is signed by the cashier of that bank. It is a receipt for the bonds and stocks. So you must keep it very carefully. “Now, another thing you must remember: you can’t draw the money on my life-insurance policy until I die; but you can get these bonds and stocks at any time that you please, merely by presenting the receipt and asking for them. So long as you are a little girl under age, you couldn’t do this for yourself. Somebody must do it for you. You must be very careful whom you select for that purpose.” Then he gave me the names and addresses of several gentlemen, who, he said, were his friends and honest men, and advised me to apply to them to act for me if I ever had occasion to do anything of the kind. Then he went on to say: