How would the adventure end? Reconciliation with his father was out of the question. Letters sent home remained without response. He wasn't surprised. He knew his pater too well to expect that he would relent so soon. Besides, if the old man were so infernally proud, he'd show him he had some pride too. He'd drown himself before he'd go down on his knees, whining to be forgiven. His father was dead wrong, anyway. His marriage might have been foolish; Annie might be beneath him socially. She was not educated and her father wasn't any better than he ought to be. She did not talk correctly, her manners left much to be desired, at times he was secretly ashamed of her. But her bringing up was her misfortune, not her fault. The girl herself was straight as a die. She had a heart of gold. She was far more intelligent, far more likely to make him a happy home than some stuck-up, idle society girl who had no thought for anything save money, dress and show. Perhaps if he had been less honorable and not married her, his father would have thought more highly of him. If he'd ruined the girl, no doubt he would have been welcomed home with open arms. Pshaw! He might be a poor, weak fool, but, thank God, they couldn't reproach him with that. Annie had been loyal to him throughout. He'd stick to her through thick and thin. As the train swept round the curve at 53d Street and started on its long, straight run up the West Side, his mind reverted to Robert Underwood. He had seen his old associate only once since leaving college. He ran across him one day on Fifth Avenue. Underwood was coming out of a curio shop. He explained hurriedly that he had left Yale and when asked about his future plans talked vaguely of going in for art. His manner was frigid and nervous--the attitude of the man who fears he may be approached for a small loan. He was evidently well aware of the change in his old associate's fortunes and having squeezed all he could out of him, had no further use for him. It was only when he had disappeared that Howard suddenly remembered a loan of $250 which Underwood had never repaid. Some time later Howard learned that he occupied apartments at the exclusive and expensive Astruria where he was living in great style. He went there determined to see him and demand his money, but the card always came back "not at home."