Mr. Troy Wilkins lamented the passing of the solid and expensive stone residences of the nineties, but he kept "up to date," and he had added ideals about half-timbered villas, doorway settles, garages, and sleeping-porches to his repertoire. He didn't, however, as he often said, "believe in bungalows any more than he believed in these labor unions." § 2 Una Golden had been the chief of Mr. Troy Wilkins's two stenographers for seven months now--midsummer of 1907, when she was twenty-six. She had climbed to thirteen dollars a week. The few hundred dollars which she had received from Captain Golden's insurance were gone, and her mother and she had to make a science of saving--economize on milk, on bread, on laundry, on tooth-paste. But that didn't really matter, because Una never went out except for walks and moving-picture shows, with her mother. She had no need, no want of clothes to impress suitors.... She had four worn letters from Walter Babson which she re-read every week or two; she had her mother and, always, her job. § 3 Una, an errand-boy, and a young East-Side Jewish stenographer named Bessie Kraker made up the office force of Troy Wilkins. The office was on the eighth floor of the Septimus Building, which is a lean, jerry-built, flashingly pretentious cement structure with cracking walls and dirty, tiled hallways. The smeary, red-gold paint which hides the imperfect ironwork of its elevators does not hide the fact that they groan like lost souls, and tremble and jerk and threaten to fall. The Septimus Building is typical of at least one half of a large city. It was "run up" by a speculative builder for a "quick turn-over." It is semi-fire-proof, but more semi than fire-proof. It stands on Nassau Street, between two portly stone buildings that try to squeeze this lanky impostor to death, but there is more cheerful whistling in its hallways than in the halls of its disapproving neighbors. Near it is City Hall Park and Newspaper Row, Wall Street and the lordly Stock Exchange, but, aside from a few dull and honest tenants like Mr. Troy Wilkins, the Septimus Building is filled with offices of fly-by-night companies--shifty promoters, mining-concerns, beauty-parlors for petty brokers, sample-shoe shops, discreet lawyers, and advertising dentists. Seven desks in one large room make up the entire headquarters of eleven international corporations, which possess, as capital, eleven hundred and thirty dollars, much embossed stationery--and the seven desks. These modest capitalists do not lease their quarters by the year. They are doing very well if they pay rent for each of four successive months. But also they do not complain about repairs; they are not fussy about demanding a certificate of moral perfection from the janitor. They speak cheerily to elevator-boys and slink off into saloons. Not all of them keep Yom Kippur; they all talk of being "broad-minded."