The Colonel only told the truth, as he saw it. In his day and generation men of twenty-two were but boys, and only gray-beards ruled the State and counting-house. The Senators were indeed grave and reverend seigniors, and the merchants, in their old-fashioned dress-coats, looked more like distinguished diplomats than buyers and sellers of produce. In those days, too, the young man with a mustache was thought presuming and dangerous, and the bank who would have selected a cashier under forty would have caused a run on its funds in a week after the youth had been appointed to his position. After the Colonel's departure Mrs. Horn sat in deep thought. The critical tones of his voice still lingered in her memory. But her judgment had not been shaken nor was her mind satisfied. Oliver still troubled her. The Colonel's advice might be right, but she dared not rely upon it. The next day she sent for Amos Cobb: Malachi took the message this time, not Oliver. Cobb came on the minute. He was greatly surprised at Mrs. Horn's note, for although his wife was an intimate friend of Mrs. Horn's, and he himself would have been welcome, he was seldom present at any of the functions of the house and could not be considered one of its intimate guests. He did not like music, he said to his wife, when urged to go, and, as he did not play chess or drink Madeira, he preferred to stay at home. Malachi relieved Amos of his hat, and conducted him into Mrs. Horn's presence with rather a formal bow--quite different from the low salaam with which he had greeted Colonel Clayton. "Dat bobobalish'-nest, Mister Cobb, jes' gone in de parlor," he said to Aunt Hannah when he regained the kitchen. "Looks like he lived on parsimmons, he dat sour." Mrs. Horn received her visitor cordially, but with a reserve which she had not maintained toward the Colonel, for Cobb had never represented to her anything but a money standard pure and simple. It was only when the Colonel had mentioned his name, and then only because of her urgent need of just such sound practical advice as she knew he could give that she had determined to seek his services--quite as she would have consulted an architect or an attorney. The Vermonter took his seat on the extreme edge of the sofa, squared his shoulders, pulled up the points of his high collar, touched together the tips of all his fingers, and looked straight at his hostess.