The most serious difficulty confronting Cowperwood from now on was really not so much political as financial. In building up and financing his Chicago street-railway enterprises he had, in those days when Addison was president of the Lake City National, used that bank as his chief source of supply. Afterward, when Addison had been forced to retire from the Lake City to assume charge of the Chicago Trust Company, Cowperwood had succeeded in having the latter designated as a central reserve and in inducing a number of rural banks to keep their special deposits in its vaults. However, since the war on him and his interests had begun to strengthen through the efforts of Hand and Arneel—men most influential in the control of the other central-reserve banks of Chicago, and in close touch with the money barons of New York—there were signs not wanting that some of the country banks depositing with the Chicago Trust Company had been induced to withdraw because of pressure from outside inimical forces, and that more were to follow. It was some time before Cowperwood fully realized to what an extent this financial opposition might be directed against himself. In its very beginning it necessitated speedy hurryings to New York, Philadelphia, Cincinnati, Baltimore, Boston—even London at times—on the chance that there would be loose and ready cash in someone’s possession. It was on one of these peregrinations that he encountered a curious personality which led to various complications in his life, sentimental and otherwise, which he had not hitherto contemplated. In various sections of the country Cowperwood had met many men of wealth, some grave, some gay, with whom he did business, and among these in Louisville, Kentucky, he encountered a certain Col. Nathaniel Gillis, very wealthy, a horseman, inventor, roue, from whom he occasionally extracted loans. The Colonel was an interesting figure in Kentucky society; and, taking a great liking to Cowperwood, he found pleasure, during the brief periods in which they were together, in piloting him about. On one occasion in Louisville he observed: “To-night, Frank, with your permission, I am going to introduce you to one of the most interesting women I know. She isn’t good, but she’s entertaining. She has had a troubled history. She is the ex-wife of two of my best friends, both dead, and the ex-mistress of another. I like her because I knew her father and mother, and because she was a clever little girl and still is a nice woman, even if she is getting along. She keeps a sort of house of convenience here in Louisville for a few of her old friends. You haven’t anything particular to do to-night, have you? Suppose we go around there?” Cowperwood, who was always genially sportive when among strong men—a sort of bounding collie—and who liked to humor those who could be of use to him, agreed. “It sounds interesting to me. Certainly I’ll go. Tell me more about her. Is she good-looking?”