Rollo was the darling son of the Angel and the pride of the Elder’s heart. Tall, blond, handsome, and twenty-eight, endowed with his mother’s charm of manner and a certain mixture of the coarse practicality and instinct for leadership which his father possessed, the young man had come to look upon himself as a sort of favorite of the fickle goddess for whom nothing could be expected to fall out otherwise than well. Without money and without prestige, in fact, without much real ability, and more because as a figure of a youth he was good to look upon and possessed of smooth amiability, Rollie, as his friends and his doting mother called him, had risen through the lower rounds of the Amalgamated National to be one of its assistant cashiers and a sort of social handy-man to the president, very much in the sense that this astute executive had political handy-men and business handy-men in the capacity of directors, vice-presidents, and even minor official positions in his bank. But there were, nevertheless, some grains of sand in the bearings of Rollo’s spinning chariot wheels. In his capacity as an Ambassador to the Courts of Society, he had the privilege of leaving the bank quite early in the afternoon, when his presence at some daylight function might give pleasure to a hostess whose wealth or influence made her favor of advantage to the Amalgamated National. He might sometimes place himself and a motor-car at the disposal of a distinguished visitor from outside the city, might dine this visitor and wine him, might roll him far up the Piedmont Heights, and spread before his eye that wonderful picture of commercial and industrial life below, clasped on all sides by the blue breast and the silvery, horn-like arms of the Bay of San Francisco. All these things, of course, involved expenditures of money as well as time. The bills for such expenditures Rollo might take to the president of the bank, who wrote upon them with his fat hand and a gold pencil, "O.K.—J.M." after which they were paid and charged to a certain account in the bank entitled: "Miscellaneous." This, not unnaturally, got Rollie, in the course of a couple of years, into luxurious habits. After eating a seven-dollar dinner with the financial man of a Chicago firm of bond dealers, it was not the easiest thing in the world to content himself the next day with the fifty-cent luncheon which his own salary permitted. Furthermore, Rollo, because of his standing at the bank and his social gifts, was drawn into clubs, played at golf, or dawdled in launches, yachts, or automobiles with young men of idle mind who were able to toss out money like confetti. It was inevitable that circumstances should arise under which Rollo also had to toss, or look to himself like the contemptible thing called "piker." Consequently, he frequently tossed more than he could afford, and eventually more than he had.