Masters thought rapidly that afternoon. He admitted to himself, as he had hardly done before, that he was growing old and that a successful bank ought to have some more vigorous man than he in its management; some man of ideas more liberal than Farnsworth's, and of more age and experience than this young Millard. His mind turned to Hilbrough, the real-estate agent in Montague Street, Brooklyn. First a poor clerk, then a small collector of tenement-house rents, then a prosperous real-estate agent and operator on his own account, he had come by shrewd investment to be a rich man. He was accustomed to make call loans to a large amount on collateral security, and his business was even now almost that of a private banker. A director in the Bank of Manhadoes from its beginning and one of its largest stockholders, he was the most eligible man to succeed Masters in the active management of its affairs, and the only man whose election once proposed would certainly command the support of the directors against the scheme of Farnsworth. He was the one possible man who would prove quite too large for Farnsworth's domineering. It was with a pang that Masters reflected that he too would be effaced in a measure by the advent of a man so vital as Warren Hilbrough; but there was for him only the choice between being effaced by Hilbrough's superior personality and being officially put out of the way by Farnsworth's process of slow torture. He saw, too, that a bank with four high-grade officers would have a more stable official equilibrium than one where the power is shared between two. The head of such an institution is sheltered from adverse intrigues by the counterpoise of the several officers to one another. If Masters had needed any stimulus to his resolution to contravene the ambitious plans of the cashier, Mrs. Masters would have supplied it. When she heard of Farnsworth's scheme, she raised again her old cry of _Carthago delenda est_, Farnsworth must be put out. In her opinion nothing else would meet the requirement of poetic justice; but she despaired of persuading Masters to a measure so extreme. It was always the way. Mr. Masters was too meek for anything; he would let people run over him. But Masters had no notion of being run over. He went to the office every day, and from the office he went to his country-place in New Jersey every afternoon. There was nothing in his actions to excite the suspicion of the cashier, who could not know that negotiations with Hilbrough, and the private submission of the proposition to certain directors, had all been intrusted to the tact of Charley Millard. It was rather hard on Millard, too; for though he enjoyed his success in an undertaking so delicate, he regretted two dinner parties and one desirable reception that he was compelled to forego in order to carry on his negotiations out of bank hours.