In the flat building across the vacant lot a light appeared at a window and through the lighted window he saw a man clad in pajamas who propped a sheet of music against a dressing-table and who had a shining silver horn in his hand. Sam watched, filled with mild curiosity. The man, not reckoning on an onlooker at so late an hour, began an elaborate and amusing schedule of personation. He opened the window, put the horn to his lips and then turning bowed before the lighted room as before an audience. He put his hand to his lips and blew kisses about, then put the horn to his lips and looked again at the sheet of music. The note that came out of the window on the still air was a failure, it flattened into a squawk. Sam laughed and pulled down the window. The incident had brought back to his mind another man who bowed to a crowd and blew upon a horn. Getting into bed he pulled the covers about him and went to sleep. “I will get Frank’s money if I can,” he told himself, settling the matter that had been in his mind. “Most men are fools and if I do not get his money some other man will.” On the next afternoon Eckardt had lunch down town with Sam. Together they went to a bank where Sam showed the profits of deals he had made and the growth of his bank account, going afterward into South Water Street where Sam talked glowingly of the money to be made by a shrewd man who knew the ways of the street and had a head upon his shoulders. “That’s just it,” said Frank Eckardt, falling quickly into the trap Sam had set, and hungering for profits; “I have money but no head on my shoulders for using it. I wish you would take it and see what you can do.” With a thumping heart Sam went home across the city to the Pergrin house, Eckardt beside him in the elevated train. In Sam’s room the agreement was written out by Sam and signed by Eckardt. At dinner time they had the drygoods buyer in to sign as witness. And the agreement turned out to Eckardt’s advantage. In no year did Sam return him less than ten per cent, and in the end gave back the principal more than doubled so that Eckardt was able to retire from the practice of medicine and live upon the interest of his capital in a village near Tiffin, Ohio.