Next morning the nautical maid had her first natural blush in many years when she encountered the young Adonis on deck. But she soon got over it, and they talked about Theosophy, as spiritually as ever, and were perfectly good friends; he called her Thelma, and Charlie did not even make a joke. But on the way home Bertie wanted to know all about it, had Mrs. Norman made love to him, and how much? And when Bunny blushed, she laughed at him, and was provoked because he was silly and wouldn’t tell. She decided that of course they had had an affair. That was all right, there had been other affairs on board the “Siren”—the lights were dim in the central hall-way, so that you needn’t be recognized as you flitted from door to door. “But don’t imagine she’ll ever marry you,” added Bertie, sagely. “She talks a lot of reincarnation bunk, but she hangs onto her Occidental Steel bonds for this incarnation!” XI Occidental Steel had a bad slump in the market a few days after this, and Bertie was worried—taking a proprietary interest in the concern. She asked Dad about it, and he said it was “jist manipulation.” But right away a lot of other stocks went tumbling, including Ross Consolidated, and then Dad said there were fools who would gamble and bid stocks up, and then they had to come down. But the trouble continued to spread over the country, and there were reports of big concerns, and even banks, in trouble. There was panic in the air, and Dad and “Verne” held anxious consultations, and stopped all their development work, and laid off several hundred men; “pulling in their horns,” as Dad phrased it. There was plenty of money in the banks, Dad said, but only the big fellows had the use of it; “Verne” was in a rage with Mark Eisenberg, the banker, who had “thrown him down.” It was the “Big Five,” at their old tricks of trying to freeze out the independents. Wouldn’t they jist like to get Ross Consolidated in a hole, and buy it up for five or ten millions! Bunny had a talk with Mr. Irving, who told him that it was the Federal Reserve system at work; a device of the big Wall Street banks, a supposed-to-be government board, but really just a committee of bankers, who had the power to create unlimited new paper money in times of crisis. This money was turned over to the big banks, and in turn loaned by them to the big industries whose securities they held and must protect. So, whenever a panic came, the big fellows were saved, while the little fellows went to the wall.