"What you need, Stranleigh, is a doctor's advice, not a lawyer's. You have been just a little too long in New York, and although New Yorkers don't believe it, there are other parts of the country worthy of consideration. Your talk, instead of being an indictment of life as you find it, has been merely an exposition of your own ignorance, a sample of that British insularity which we all deplore. I hope you don't mind my stating the case as I see it?" "Not at all," said Stranleigh. "I am delighted to hear your point of view. Go on." "Very well; here am I plugging away during this hot weather in this hot city. Greed, says you." "I say nothing of the kind," replied his lordship calmly. "I am merely lost in admiration of a hard-working man, enduring the rigours of toil in the most luxurious club of which I have ever been an honorary member. Let me soften the asperities of labour by ordering something with ice in it." The good-natured attorney accepted the invitation, and then went on-- "We have a saying regarding any futile proposition to the effect that it cuts no ice. This is the position of the Trust in which I am interested. In this hot weather we cut no ice, but we sell it. Winter is a peaceable season with us, and the harder the winter, the better we are pleased, but summer is a time of trouble. It is a period of complaints and law-suits, and our newspaper reading is mostly articles on the greed and general villainy of the Trust. So my position is literally that of what-you-may-call-him on the burning deck, whence almost all but he have fled to the lakes, to the mountains, to the sea shore. Now, I don't intend to do this always. I have set a limit of accumulated cash, and when I reach it I quit. It would be high falutin' if I said duty held me here, so I will not say it." "A lawyer can always out-talk a layman," said Stranleigh, wearily, "and I suppose all this impinges on my ignorance." "Certainly," said Banks. "It's a large subject, you know. But I'll leave theory, and come down to practice. As I said before, you've had too much of New York. You are known to have a little money laid by against a rainy day, so everybody wants you to invest in something, and you've got tired of it. Have you ever had a taste of ranch life out West?" "I've never been further West than Chicago."