Perhaps no one was better calculated or more accustomed to impress the stranger with this belief than Mr. Peter Dumphy, banker and capitalist. His outspoken faith in the present and future of California was unbounded. His sincere convictions that no country or climate was ever before so signally favoured, his intoleration of any criticism or belief to the contrary, made him a representative man. So positive and unmistakable was his habitual expression on these subjects, that it was impossible to remain long in his presence without becoming impressed with the idea that any other condition of society, climate, or civilization than that which obtained in California, was a mistake. Strangers were brought early to imbibe from this fountain; timid and weak Californians, in danger of a relapse, had their faith renewed and their eyesight restored by bathing in this pool that Mr. Dumphy kept always replenished. Unconsciously, people at last got to echoing Mr. Dumphy's views as their own, and much of the large praise that appeared in newspapers, public speeches, and correspondence, was first voiced by Dumphy. It must not be supposed that Mr. Dumphy's positiveness of statement and peremptory manner were at all injurious to his social reputation. Owing to that suspicion with which most frontier communities regard polite concession and suavity of method, Mr. Dumphy's brusque frankness was always accepted as genuine. "You always know what Pete Dumphy means," was the average criticism. "He ain't goin' to lie to please any man." To a conceit that was so freely and shamelessly expressed as to make hesitating and cautious wisdom appear weak and unmanly beside it, Mr. Dumphy added the rare quality of perfect unconscientiousness unmixed with any adulterating virtue. It was with such rare combative qualities as these that Mr. Dumphy sat that morning in his private office and generally opposed the fog without, or rather its influence upon his patrons and society at large. The face he offered to it was a strong one, although superficially smooth, for since the reader had the honour of his acquaintance, he had shaved off his beard, as a probably unnecessary indication of character. It was still early, but he had already despatched much business with that prompt decision which made even an occasional blunder seem heroic. He was signing a letter that one of his clerks had brought him, when he said briskly, without looking up--"Send Mr. Ramirez in." Mr. Ramirez, who had already called for three successive days without obtaining an audience of Dumphy, entered the private room with an excited sense of having been wronged, which, however, instantly disappeared, as far as external manifestation was concerned, on his contact with the hard-headed, aggressive, and prompt Dumphy. "How do?" said Dumphy, without looking up from his desk. Mr. Ramirez uttered some objection to the weather, and then took a seat uneasily near Dumphy. "Go on," said Dumphy, "I can listen."