"Well, Mr. Gould," said I, rising to my full height and putting my soft hat on the brow of the Venus de Milo, after which I seated myself opposite him in a _degage_ Western way, "you are indebted to _me_ for this call. That's what you're indebted to. But we will let that pass. We are not here to talk about indebtedness, Jay. If you are busy you needn't return this call till next winter. But I am here just to converse in a quiet way, as between man and man; to talk over the past, to ask you how your conduct is and to inquire if I can do you any good in any way whatever. This is no time to speak pieces and ask in a grammatical way, 'To what you are indebted for this call.' My main object in coming up here was to take you by the hand and ask you how your memory is this spring? Judging from what I could hear, I was led to believe that it was a little inclined to be sluggish and atrophied days and to keep you awake nights. Is that so, Jay?" "No, sir; that is not so." "Very well, then I have been misled by the reports in the papers, and I am glad it is all a mistake. Now one thing more before I go. Did it ever occur to you that while you and your family are all out in your yacht together some day, a sudden squall, a quick lurch of the lee scuppers, a tremulous movement of the main brace, a shudder of the spring boom might occur and all be over?" "Yes, sir. I have often thought of it, and of course such a thing might happen at any time; but you forget that while we are out on the broad and boundless ocean we enjoy ourselves. We are free. People with morbid curiosity cannot come and call on us. We cannot get the daily newspapers, and we do not have to meet low, vulgar people who pay their debts and perspire." "Of course, that is one view to take of it; but that is only a selfish view. Supposing that you have made no provision for the future in case of accident, would it not be well for you to name some one outside of your own family to take up this great burden which is now weighing you down--this money which you say yourself has made a slave of you--and look out for it? Have you ever considered this matter seriously and settled upon a good man who would be willing to water your stock for you, and so conduct your affairs that nobody would get any benefit from your vast accumulations, and in every way carry out the policy which you have inaugurated? "If you have not thoroughly considered this matter I wish that you would do so at an early date. I have in my mind's eye just such a man as you need. His shoulders are well fitted for a burden of this kind, and he would pick it up cheerfully any time you see fit to lay it down. I will give you his address." "Thank you," said Mr. Gould, as the thermometer in the next room suddenly froze up and burst with a loud report. "And now, if you will excuse me from offsetting my time, which is worth $500 a minute, against yours, which I judge to be worth about $1 per week, I will bid you good morning."