The time had come to Jacob Dolph when he could not feel that he was growing old. He was old, of course, in one sense. He was sixty-one when the war broke out; and they had not allowed him to form a regiment and go to the front at its head. But what was old for a soldier in active service was not old for a well-preserved civilian. True, he could never be the same man again, now that poor Aline was gone. True, he was growing more and more disinclined for active exercise, and he regretted he had led so sedentary a life. But though '64 piled itself up on '63, and '65 on top of that, these arbitrary divisions of time seemed to him but trivial. Edith was growing old, perhaps; getting to be a great girl, taller than her mother and fairer of complexion, yet not unlike her, he sometimes thought, as she began to manage the affairs of the house, and to go about the great shabby mansion with her mother's keys jingling at her girdle. For the years went on crawling one over the other, and soon it was 1873, and Edith was eighteen years old. One rainy day in this year found Jacob Dolph in Wall Street. Although he himself did not think so, he was an old man to others, and kindly hands, such as were to be found even in that infuriate crowd, had helped him up the marble steps of the Sub-Treasury and had given him lodgment on one of the great blocks of marble that dominate the street. From where he stood he could see Wall Street, east and west, and the broad plaza of Broad Street to the south, filled with a compact mass of men, half hidden by a myriad of umbrellas, rain-soaked, black, glinting in the dim light. So might a Roman legion have looked, when each man raised his targum above his head and came shoulder to shoulder with his neighbor for the assault. There was a confused, ant-like movement in the vast crowd, and a dull murmur came from it, rising, in places, into excited shouts. Here and there the fringe of the mass swelled up and swept against the steps of some building, forcing, or trying to force, an entry. Sometimes a narrow stream of men trickled into the half-open doorway; sometimes the great portals closed, and then there was a mad outcry and a low groan, and the foremost on the steps suddenly turned back, and in some strange way slipped through the throng and sped in all directions to bear to hushed or clamorous offices the news that this house or that bank had "suspended payment." "Busted," the panting messengers said to white-faced merchants; and in the slang of the street was conveyed the message of doom. The great panic of 1873 was upon the town--the outcome of long years of unwarranted self-confidence, of selfish extravagance, of conscienceless speculation--and, as hour after hour passed by, fortunes were lost in the twinkling of an eye, and the bread was taken out of the mouths of the helpless.