As one grows older, he seeks to avoid, as far as may be, the effect of these unforeseen interpositions, by carrying in his plans a factor of safety, and, as what he is pleased to call his "worldly wisdom" grows, he increases this factor until it is a large constant running through all his equations dealing with probabilities of the future. Whether in the end it has availed anything, is still, after six thousand years, a mooted question. Nevertheless, it is the manner of men to calculate closely in their youth, disregarding the factor of safety, and ignoring utterly the element of Chance, Fortune, ar Providence, as it may please men to name this infinite meddling intelligence. Whether this arises from ignorance or some natural unconscious conviction that it is useless to strive against it, the race has so far been unable to determine. That it is useless to, the weight of authorities would seem to indicate, while, on the other hand, the fact that men are amazed and dumbfounded when they first realize the gigantic part played by this mysterious power in all human affairs, and immediately thereafter plan to evade it, would tend to the conviction that there might be some means by which these startling accidents could be guarded against, or at least their effect counteracted. The laws, if in truth there be any, by which these so-called fortunes and misfortunes come to men, are as yet undetermined, except that they arise from the quarter of the unexpected, and by means oftentimes of the commonplace. On a certain Friday evening in July, Carper Harris, confidential clerk of the great wholesale house of Beaumont, Milton, & Company of Baltimore, was suddenly prostrated under the horror of this great truth. For the first time in his life Fate had turned about and struck him, and the blow had been delivered with all her strength.