"I was a little wrong there," he admitted, "but only because I was too conservative. They laughed at me. Well, you can't deny the truth of it now. It'll be as good a hundred years from now as it is to-day. Only the finest houses because of the cost of the ground. No chance of business ever coming up this way. From Sixteenth to Thirtieth it's a residential paradise. Yes sir! A res-i-den-tial paradise!" A good thing that he did not live the twenty-five years, or less, that transformed the paradise into a smoke-blackened and disreputable inferno, with dusky faces, surmounted by chemically unkinked though woolly heads, peering from every decayed mansion and tumble-down rooming house. Sixteenth Street became a sore that would not heal--scrofulous, filthy. Thirty-first Street was the centre of the Black Belt. Of all that region Prairie Avenue alone resisted wave after wave of the black flood that engulfed the streets south, east, and west. There, in Isaac Thrift's day, lived much of Chicago's aristocracy; millionaire if mercantile; plutocratic though porcine. And there its great stone and brick mansions with their mushroom-topped conservatories, their porte-cochères, their high wrought-iron fences, and their careful lawns still defied the years, though ruin, dirt, and decay waited just outside to destroy them. The window-hangings of any street are its character index. The lace and silk draperies before the windows of these old mansions still were immaculate, though the Illinois Central trains, as they screeched derisively by, spat huge mouthsful of smoke and cinders into their very faces. Isaac Thrift had fallen far behind his neighbours in the race for wealth. They had started as he had, with only courage, ambition, and foresight as capital. But they--merchants, pork-packers--had dealt in food and clothing on an increasingly greater scale, while Isaac Thrift had early given up his store to devote all his time to real estate. There had been his mistake. Bread and pork, hardware and clothing--these were fundamental needs, changing little with the years. Millions came to the man who, starting as a purveyor of these, stayed with them. At best, real estate was a gamble. And Isaac Thrift lost. His own occasional short-sightedness was not to blame for his most devastating loss, however. This was dealt him, cruelly and criminally, by his business partner and son-in-law, the plausible Payson.