Having obtained a hearing, he rolled a cigarette with tremulous fingers while he unfolded his plan to Mr. Wentz. The banker listened with equanimity as he sat on the back of his neck with his fingers interlaced across his smart bottle-green waistcoat. Wentz's lack of enthusiasm only increased Toomey's eagerness. He leaned forward and declared with all vehemence: "Look at the territory I could cover, if I had an automobile! With a sideline of fruit trees, I can get an order of some kind out of every family in the northern part of the state. It's a cinch, Wentz. I'm giving you a chance to make a good loan that you can't afford to let pass." Mr. Wentz yawned with marked weariness. "What's a bank for if not to encourage legitimate enterprises in the community upon which it depends for its business? There isn't a flaw in this proposition, Wentz! Can you show me one?" "It's perfect from your side," Wentz agreed, "but where would we get off if every family in the northern part of the state didn't happen to need fruit trees or a sewing machine? We'd have a worn automobile on our hands and another of your familiar signatures on our already too large collection of promissory notes. Can't see it, Jap." Disappointment as well as Wentz's words stung Toomey more deeply than he had been touched for a long time. A rush of blood dyed his sallow face as he grabbed his hat and started for the door. Opening it partly, he turned and flung a retort over his shoulder. "I'll tell you what I think, Vermin!" Mr. Wentz winced. This perversion of his name had darkened his childhood days and he never had outgrown his antipathy to it. "I think," Toomey went on, "that you're shaky as the devil--that Neifkins' big loss put such a crimp in you that an honest bank examiner could close your doors! I'll bet my hat against a white chip that even a boys'-size 'run' could shut your little two by twice bank up tight as a drum!" It was a random shot, but the president's face showed that it went home. He gathered himself immediately, but not before Kate who, on coming in brushed shoulders with the departing Toomey, had heard the speech and noted its effect. So Neifkins had had a big loss! She grasped the full significance of it at once and exultation filled her heart. Wentz looked at the "Sheep Queen" hard as she advanced. Astonishment and admiration were in his eyes when he recognized her at last. It was beyond belief that a mere matter of clothes could effect such a transformation as this. She looked the last word in feminine elegance. Filled with the wonder of it, he forgot for a moment the specter which had been his sleeping and waking companion for some weeks past and which had confronted him with the substance of reality at Toomey's taunt. The banker went to meet Kate with an outstretched hand. "You've been gone a long time; I've been wondering when we'd see you back." "I've been east," she replied, casually.