of a creator and make something out of nothing. It makes me blush sometimes when I reflect what would happen if that quarterly cheque ever failed to turn up in the mail; had I anything of real value to offer the world in exchange for shelter, raiment, and what my newsboy calls three "squares" a day? Not that I am altogether a cumberer of the ground (as a golfer I have been well-trained and always take care to replace my divots), but there is no particular reason for my existence on this planet, and there are not many people who would either know or care that I was no longer of their number. Cynical? not at all; at least I had not intended to give that impression. But my two years' war service destroyed some illusion, even though I hadn't the luck to get across the water. Finally, I may call myself a decent enough chap when compared to the ordinary run of men, and while I don't pretend to philanthropic activities I can say quite honestly that there is no man, or woman either, who may truthfully affirm being the worse off for having enjoyed the distinction of my personal acquaintance. At best, this is only a negative virtue, and there are times when I feel keenly that I ought to be adding something definite to the world's stock of material good or ethical treasure. I can't flatter myself that I possess anything more than the one talent, and my quarterly dividend makes a convenient napkin in which to enwrap it; the old allegory seems to fit my case precisely. I dare say that life for me has been a trifle too pleasant and well-ordered; people who live on Easy Street become more and more attached to their _otium-cum-dig_; I have visions of myself less than a score of years away: portly, tonsured, inclined to resent the existence of boys and dogs, fussily addicted to carrying about to dinner parties my own particular brand of pepper in a little, flat, silver box. Perhaps if I should fall in love, but pooh! I have been invoking that contingency so long and so unavailingly that it has lost a large portion of its pristine appeal. No, I can't see that there is anything better for me to do than to go on drawing my income, sitting religiously for at least six hours a day in my office, sticking at golf until I finally get the best of that hideous tendency to hook, and dining as usual on Mondays with the Mercers _en famille_; in short, whittling my individual peg to fit my allotted hole. I do think, however, that I'll tell Bob Mercer he can count upon me for one evening a week at his Julian Street settlement. Bob is the right sort of a cleric, and I know that he talks by the card when he insists that giving and getting are really interchangeable terms. But one always hates to make the effort and so prove the truth of the assertion; it is infinitely less trouble to let some other fellow get the true meaning and joy out of life while you content yourself with the corner seat at the club fireside and the