"I--I--have only done well occasionally since the very first. It didn't matter so long as your mother was alive, and for a little while after. But when you took things into your own hands ... after that it was capital I turned over to you nearly every month--hardly ever profits." "What? Why didn't you tell me?" "I hadn't the courage. I was too anxious to stand well with you. And I always hoped, believed, I would do better as times improved. I had great hopes of myself and I had a pretty good start. But as time went on I grew to understand that my abilities were third-rate. I should have done all right with a large capital--say a hundred and fifty thousand dollars--but only a man far cleverer than I am could have got anywhere in that business with a paltry sixteen thousand to begin on. I got one or two connections and did pretty well, off and on, for a time; but if I hadn't made one or two lucky strikes in stocks my capital would simply have run away in household expenses long ago." "Then why did you join that expensive club?" "It was good business," he said evasively. "I meet the right sort of men there. That's where I got my stock pointers." "Did you take the bonds to gamble with?" "No. I'd never have done that. I gambled in another way, though. I thought I saw a chance to sell a certain commodity at that particular time and I plunged and sent for a large quantity of it. It looked sure. I have a friend over there and got it on credit. I banked on an immediate sale and a big profit. But something delayed the shipping in Hong Kong. When it arrived the market was swamped. Some one else had had the same idea. I had to pay for the goods, as well as other big outstanding bills, or go into bankruptcy. So I took the bonds. It wasn't easy. But there was nothing else to do.... There were about ten thousand dollars left and I tried another coup. That failed too." "How is it possible to go on with the business?" "It isn't. I have closed out. But I have escaped bankruptcy. People on the street think that I wanted to get into the real estate business--with Andrew Weston, a young man who has recently come here from Los Angeles. He's doing fairly well and has a good office. He wanted a hustler and a partner who had good connections. But it is slow work. There are the old firms, again, to compete with. I wouldn't have looked at it if I'd had any choice, but it was a case of a port in a storm." "Well? Is that all? There is another matter to discuss. Our future mode of living."