"'And that same is thrue for you,' as my Irish office attendant would say. I was never in Boston until a few weeks ago, when I went thither to arrange some financial affairs for a client of mine"--he did not mention Westover's name. "I had some negotiations with a banking firm there, and the head of the establishment was exceedingly courteous to me. He took me to his country place to spend the Sunday. By a curious coincidence, his surname is the same as yours--Danvers. He's the head of the banking house of Danvers, Appleton and Wentworth. I wonder if by any chance he's a relative of yours. At any rate he deserves to be. For a more courtly gentleman I have never met. He's the sort of educated, refined, polished, considerate person that only three States in this Union produce, so far as I have been able to observe." "Which are the three States, please,--that is to say, if you are free to designate them?" "Massachusetts, Virginia, and South Carolina. Mind, I don't say that such gentlemen are not found in other States. It is only that those of them whom I have personally met have happened to be sons of one or other of the three States mentioned." "I suppose there is a reason for that," answered Millicent. "What is it?" he inquired in answer. "They are the three oldest commonwealths," she answered, "and the three most conservative. You have a saying here in Virginia--a true saying, I think--that 'it takes three generations to make a gentleman.' The three States you have named have lived their own lives for a good many more than three generations, and so they have had time to make gentlemen. Still--" She did not continue her sentence, till Towns urged her to do so. Then she said: "I was going to say that about the most perfect gentleman I ever met was Jake Greenfield, a Vermonter, without education beyond what he called the 'rujimenteries,' whom I met in the Rocky Mountains." "Tell me about him," implored Jack, saying nothing of his own acquaintance with Jake, who had been his companion and shrewd adviser during his stay in the Rocky Mountains in Boyd Westover's interest. "Tell me about him."