IV

It was a truly terrible tramp that the young man had before him, but he did not shrink. So long as his provisions lasted he pushed forward, stopping only in the woodlands or by the wayside for sleep and for eating. By the time that his provisions were exhausted he had passed the Valley and had crossed the crest of the Alleghenies.

He was now in a country that had not been wasted by war, a country in which men of every class seemed to be reasonably prosperous and hard at work.

There, by way of replenishing his commissariat, he sold the saddle he was carrying on his back, and thus lightened his load.

Fortunately it was a specially good saddle, richly mounted with silver, and otherwise decorated to please the fancy of the dandy Federal officer from whose dead horse Duncan had captured it after its owner had been left stark upon the field in the Wilderness. It brought him now a good price in money, and to this the purchaser generously added a little store of provisions, including, for immediate use, some freshmeat—the first that had passed Duncan's lips for more months past than he could count upon the fingers of one hand.

A little later the young man sold his pistols, but as he pushed onward toward the Ohio River he found that both traveling and living in a prosperous country were far more expensive than traveling and living in war-desolated and still moneyless Virginia.

His little store of funds leaked out of his pockets so fast that, economize as he might, he found it necessary to ask for work here and there on his journey. It was spring time, and the farmers were glad enough to employ him for a day or two each. The wages were meagre enough, but Duncan accepted them gladly, the more so because the farmers in every case gave him board besides. Now and then he secured odd jobs as an assistant to mechanics. In one case he stoked the furnaces of a coal mine for a week.

But he did not remain long in any employment. As soon as he had a trifle of money or a little stock of provisions to the good, he moved onward toward the river.

His one dominating and ever-growing purpose was to reach Cairo. What fortune might await him there he knew not at all, but since he had scratched that address on the butt of a pistol, the desire to reach Cairo had daily and hourly grown upon him until it was now almost a passion. The name "Cairo" in his mind had become a synonym for "Opportunity."

It was about the middle of May when the toilsome foot journey ended at Wheeling. There Duncan, still wearing his tattered uniform, made diligent inquiry as to steamboats going down the river. He learned that one of the great coal-towing steamers from Pittsburg was expected within a few hours, pushing acres of coal-laden barges before her, and he was encouraged by the information, volunteered on every hand, that the work of "firing up" under the boilers of these coal-towing boats was so severe that a goodly number of the stokers always abandoned their employment in disgust of it, and deserted the boat if she made a landing at Wheeling, as this approaching one must do for the reason that a number of coal-laden barges had been left there for her to take in tow.

It was Guilford Duncan's hope to secure a place on her as a stoker or coal passer, to take the place of some one of the deserters. This might enable him, he thought, to earn a little money on the way down the river, instead of depleting his slenderly stocked purse by paying steamboat fare.

With such prospect in mind he ventured to go into the town and purchase a pair of boots and a suit of clothes fit for wear when he should reach Cairo. His worn-out uniform would answer all his purposes while serving as a stoker.

When the steamboat, with her vast fleet of barges, made a landing, Guilford Duncan was the first man to leap aboard in search of work. Unfortunately forhim there were few or no deserters from in front of the furnaces on this trip. He could not secure employment as a stoker earning wages, but after some persuasion the steamer's captain agreed to let him "work his passage" to Cairo. That is to say, he was to pay no fare, receive no wages, and do double work in return for his passage down the river and for the coarse and unsavory food necessary for the maintenance of his strength.

"All this is a valuable part of my education," he reflected. "I am learning the important lesson that in work as in warfare the man counts for nothing—the service that can be got out of him is the only thing considered by those in command. I must remember all that, if ever I am in a position to make a bargain for the sale of my services."

It was in this spirit that the young ex-Captain entered upon his new career in the army of those that work. He was beginning at the bottom in the new service, just as he had done in the old. "I set out as a private in the army," he said to himself. "It was only when I had learned enough to fit me for the command of others that I was placed in authority. Very well, I'm beginning as a private again. I must learn all that I can, for I mean to command in that army, too, some day."

It was a little after sunset on Decoration Day—May 30, 1865—when young Duncan went ashore from the tow boat at Cairo. The town was ablaze with fireworks, as he made his way up the slope of the levee, through a narrow passage way that ran between two mountainous piles of cotton bales. At other points there were equally great piles of corn and oats in sacks, pork in barrels, hams and bacon in boxes, and finer goods of every kind in bales and packing cases. For Cairo was just at that time the busiestentrepôtin all the Mississippi Valley.

The town was small, but its business was larger than that of many great cities. The little city lay at the point where the Ohio River runs into the Mississippi. From up and down the Mississippi, from the Ohio, from the Tennessee and the Cumberland, and even from far up the Missouri, great fleets of steamboats were landing at Cairo every day to load and unload cargoes representing a wealth as great as that of the Indies. A double-headed railroad from the North, carrying the produce of half a dozenStates, and connecting by other roads with all the great cities of the land, made its terminus at Cairo. Two railroads from the South—traversing five States—ended their lines at Columbus, a little farther down the river, and were connected with the northern lines by steamboats from Cairo.

Cairo was the meeting place of commerce between the North and the South. Out of the upper rivers came light-draught steamers. Plying the river below were steamers of far different construction by reason of the easier conditions of navigation there. At Cairo every steamboat—whether from North or South—unloaded its freight for reshipment up or down the river, as the case might be, upon steamboats of a different type, or by rail. And all the freight brought North or South by rail must also be transferred at Cairo, either to river steamers or to railroad cars.

The South was still thronged with Northern troops, numbering hundreds of thousands, who must be fed and clothed, and otherwise supplied, and so the government's own traffic through the town was in itself a trade of vast proportions. But that was the smallest part of the matter. Now that the war was at an end, the South was setting to work to rebuild itself. From the Cumberland and the Tennessee rivers, from the lower Mississippi, from the Arkansas, the Yazoo, the Red River, the White, the St. Francis, and all the rest of the water-ways of the South, energetic men, of broken fortune, were hurrying to market all the cotton that they had managed to grow and to save during the war, in order that they might get money with which to buy the supplies needed for the cultivation of new crops.

Pretty nearly all this cotton came to Cairo, either for sale to eager buyers there, or for shipment to the East and a market.

In return the planters and the southern merchants through whom they did business were clamorous for such goods as they needed. Grain, hay, pork, bacon, agricultural implements, seed potatoes, lime, plaster, lumber, and everything else necessary to the rebuilding of southern homes and industries, were pouring into Cairo and out again by train loads and steamboat cargoes, night and day.

Even that was not all. For four years no woman in the South had possessed a new gown, or new handkerchiefs, or a new toothbrush, or a new set of window curtains, or a new comb, or new linen for her beds, or new shoes of other than plantation make, or a new ribbon or bit of lace, or anything else new. Now that the northern market was open for the sale of cotton the country merchants of the South were besieged for all these and a hundred other things, and their orders for goods from the North added mightily to the freight piles on the levee at Cairo.

As Guilford Duncan emerged from the alley-way between the cotton bales and reached the street at topof the levee, a still burning fragment of the fireworks fell upon a bale of which the bagging was badly torn, exposing the lint cotton in a way very tempting to fire. With the instinct of the soldier he instantly climbed to the top of the pile, tore away the burning bunches of lint cotton, and threw them to the ground, thus preventing further harm.

As he climbed down again a man confronted him.

"Are you a watchman?" asked the man.

"No, I'm only a man in search of work."

"Why did you do that, then?" queried the stranger, pointing to the still burning cotton scattered on the ground.

"On general principles, I suppose," answered Duncan. "There would have been a terrible fire if I hadn't."

"What's your name?"

"Guilford Duncan."

"Want work?"

"Yes."

"What sort?"

"Any sort—for good wages." That last phrase was the result of his stoker experience.

"Well, do you want to watch this cotton to-night and see that no harm comes to it, either from fire, or—what's worse—the cotton thieves that go down the alleys, pulling out all the lint they can from the torn bales?"

"Yes, if I can have fair wages."

"Will three dollars for the night be fair wages?"

"Yes—ample. How far does your freight extend up and down the levee?"

"It's pretty nearly all mine, but I have other watchmen on other parts of it. This is a new cargo. Your beat will extend——" and he gave the young man his boundaries.

"You'll be off duty at sunrise. Come to me at seven o'clock for your pay. I'm Captain Will Hallam. Anybody in Cairo will tell you where my office is. Good-night."

This was an excellent beginning, Duncan thought. Three dollars was more money than he had carried in his pocket at any time since he had bought his suit of clothes at Wheeling. Better still, the promptitude with which employment had thus come to him was encouraging, although the employment was but for a night. And when he reflected that he had won favor by doing what seemed to him an act of ordinary duty, he was disposed to regard the circumstance as another lesson in the new service of work.

The night passed without event of consequence. There were two or three little fires born of the holiday celebration, but Guilford Duncan managed to suppress them without difficulty. Later in the night the swarm of cotton thieves—mainly boys and girls—invaded the levee, with bags conveniently slung over their shoulders. As there were practically no policemen in the town, and as his beat was a large one,young Duncan for a time had difficulty in dealing with these marauders. But after he had arrested half a dozen of them only to find that there were no police officers to whom he could turn them over, he adopted a new plan. He secured a heavy stick from a bale of hay, and with that he clubbed every cotton thief he could catch. As a soldier it was his habit to adapt means to ends; so he hit hard at heads, and seized upon all the stolen goods. It was not long before word was passed among the marauders that there was "a devil of a fellow" in charge of that part of the levee, and for the rest of the night the pilferers confined their operations to spaces where a less alert watchfulness gave them better and safer opportunities.

Thus passed Guilford Duncan's first night as a common soldier in the great army of industry.

In the morning, at the hour appointed, he presented himself to Captain Will Hallam, and was taken into that person's private office for an interview.

Captain Will Hallam Was a Man Of The Very Shrewdest sense, fairly—though not liberally—educated, whose life, from boyhood onward, had been devoted to the task of taking quick advantage of every opportunity that the great river traffic of the fifties had offered to men of enterprise and sound judgment.

Beginning as a barefoot boy—about 1850, or earlier, he never mentioned the date—he had "run the river" in all sorts of capacities until, when the war came, temporarily paralyzing the river trade, he had a comfortable little sum of money to the good.

Unable to foresee what the course and outcome of the war might be, he determined, as a measure of prudence, to indulge himself and his little hoard in a period of safe waiting. He converted all his possessions into gold and deposited the whole of it in a Canadian bank, where, while it earned no interest, it was at any rate perfectly safe.

Then he sought and secured a clerkship in the commissary department of the army, living upon the scantsalary that the clerkship afforded, and meanwhile acquainting himself in minute detail with the food resources of every quarter of the country, the means and methods of transportation and handling, and everything else that could in any wise aid him in making himself a master in commerce.

Then one day in 1863, when he had satisfied himself that the fortunes of war were definitely turning and that in the end the Union cause was destined to triumph, he made a change.

He resigned his clerkship. He recalled his money from Canada, and considerably increased at least its nominal amount by converting the gold into greatly depreciated greenbacks.

With this capital he opened a commission and forwarding house at Cairo, together with a coal yard, a bank, five wharf boats, half a dozen tugs, an insurance office, a flour mill, and other things. He sent for his brothers to act as his clerks and presently to become his partners.

From the beginning he made money rapidly, and from the beginning he was eagerly on the lookout for opportunities, which in that time of rapid change were abundant. He quickly secured control of nearly all the commission and forwarding business that centered at Cairo. By underbidding the government itself he presently had contracts for all the vast government business of that character.

He was always ready to take up a collateral enterprise that promised results. When the Mississippi River was reopened to commerce by the fall of Vicksburg and Port Hudson, Captain Will Hallam was the first to see and seize the opportunity. He bought everything he could lay his hands on in the way of steamboats and barges, and sent them all upon trading voyages—each under charge of a captain, but each directed by his own masterful mind—up and down the Mississippi, and up and down the Ohio, and up and down every navigable tributary of those great rivers.

This field was quickly made his own, so far as he cared to occupy it. If a rival attempted a competition that might hurt his enterprises, Captain Hallam quietly and quite without a ripple of anger in his voice, dictated some letters to his secretary. Then freight rates suddenly fell almost to the vanishing point, and after a disastrous trip or two, his adversary's steamboats became his own by purchase at low prices, and freight rates went up again. He bore no enmity to the men who thus antagonized him in business and whom he thus conquered. His attitude toward them was precisely that of a soldier toward his enemy. So long as they antagonized him he fought them mercilessly; as soon as they fell into his hands as wounded prisoners, he was ready and eager to do what he could for them.

Those of them who knew the river, and had shown capacity in business, were made steamboat captains in his service, or steamboat clerks, or wharf-boat managers, or agents, or something else—all at fair salaries.

It was Captain Will Hallam's practice to make partners of all men who might render him service in that capacity. Thus when he saw how great a business there must be at Cairo in supplying Pittsburg steam coal to the government fleets on the Mississippi, and to the thousands of other steamboats trafficking in those waters, he went at once to Pittsburg and two days later he had made a certain Captain Red his partner in the control of that vastly rich trade.

Captain Red was the largest owner of the Pittsburg mines, and the pioneer in the business of carrying coal-laden barges in acres and scores of acres down the river, pushing them with stern-wheel steamers of large power, but still of a power insufficient for the accomplishment of the best results.

Captain Red's fleet was unable to control the trade. Captain Hallam pointed out to him the desirability of making it adequate and dominant. Within two days the two had formed a partnership which included a number of New York bankers and investors as unknown and silent stockholders in the enterprise, and an abundant capital was provided. An order was given for the hurried building of the Ajax, the Hector, the Agamemnon, the Hercules, and half a dozen other stern-wheel steamers of power so great that they could not carry the coal needed for their own furnaces, but must tow it in barges alongside.

These powerful steamers were to push vast fleets of coal-laden barges down the river all the way from Pittsburg on the east to St. Louis on the west, and New Orleans on the south. They were to supply, through Hallam's agents, every town along the river and every steamboat that trafficked to any part of it. Hallam was master of it all. Cairo was to be the central distributing point, and if anybody along the river owned a coal mine in Kentucky or Indiana, or elsewhere, he was quickly made to understand that his best means of marketing his product at a profit was to sell it through the Hallam yards at Cairo.

In the meanwhile, as one region after another in the South was conquered by the Union arms, Captain Hallam, whose long river service had brought him into acquaintance with pretty nearly everybody worth knowing south of Cairo, established agents of his own at every point where there was cotton to be bought at extravagant prices, payable in gold, even while the war was going on. These agents bought the cotton, the planters agreeing to deliver it upon the banks of the rivers and leave it there at Hallam's risk. Then Captain Hallam's steamboats, big and little, would push their way up the little rivers, take the cotton on board, and carry it to Cairo.

At Cairo, while the war lasted, there were difficulties to be encountered. Military authority was supreme, and just when the influx of cotton was greatest, military authority arbitrarily decreed that no cottonshould be shipped from Cairo to the North or East without a military permit. For a time this decree seriously embarrassed trade. The warehouses in Cairo were choked and glutted with cotton. New ones were built only to be choked in the same way. The levee was piled high with precious bales. Even vacant lots and unoccupied blocks in the low-lying town were rented and made storage places for cotton bales, piled into veritable mountains of wealth. For cotton was worth forty or fifty cents a pound, and even more, at that time, and scores of mills were idle for want of raw material, both in England and in New England, while not a bale could be shipped because the military authorities would issue no permits.

Will Hallam one day set himself down to think this thing out. "Why do the military authorities deny us shipping permits?" he asked himself. "The eastern buyers want the cotton, and we western holders of it want to sell it to them. There is absolutely no military or other good reason why the owner of cotton in one northern city should not be allowed to ship it to other northern cities where it is needed." Then he saw a light.

"The military people, or some of them, want a slice of the profit. That's what's the matter. I don't like to pay a bribe, but in a military time like this, and while Cairo is under martial law, I suppose I must submit to conditions as they are. I'm no theorist or moralist. I'm fairly honest, I think, but I'm a practical business man. Besides, I've a dozen partners interested in this cotton, and I owe it to them to get it off to a market. If I don't, most of them will go to the bowwows, financially. The military authorities have no right to forbid shipment and ruin men in this way, but they have the power and they are exercising it. What's that the Bible says about ploughing with the other fellow's heifer, and making friends with the Mammon of unrighteousness? I always play the game according to the rules, no matter whether I like the rules or not. I'll play this hand in that way."

Then turning to his secretary, he said:

"Call the main office cashier by telegraph and tell him to come to me at once, here at the house."

There were no telephones in that day, but Captain Will Hallam was accustomed to say that, living, as he did, in the nineteenth century, he made free use of nineteenth century conveniences in his business. He had laced the little city with telegraph wires, connecting his house not only with his office, and many warehouses, but with the houses of all the chief men in his employ, even to the head drayman. And he exacted of every one of his employees a reasonable facility in the use of the Morse telegraph.

Captain Hallam had many rules for the governance of his own conduct. Among them were these:

"Never be a fool—look at the practical side of things.

"Never let anything run away with you—keep cool.

"Never be in a hurry—make the other fellows do the hustling.

"Never let the men you work with know what you are doing—they might talk, or they might do a little business on their own account.

"Never be satisfied with anything as it is—there is always some way of bettering it.

"Never send good money after bad—it doesn't pay.

"Never waste energy in regretting a loss—there's a better use for energy.

"Never hesitate to pay for your education as you get it—use the telegraph freely, and keep in close communication with the men who are likely to know what you want to know.

"When you want a man to keep still, make it worth his while—but don't say anything to him about it. That opens the way to blackmail.

"Never take a drink—it unbalances the judgment.

"Never get angry—that's worse than taking a dozen drinks.

"Never do anything till you are ready to do it all over and clear through."

In obedience to the spirit of these rules, Captain Will Hallam, as soon as he had sent off his telegraphic messages, went out into his garden and hoed a while. Then he called John, his English gardener, and gavehim some minute instructions respecting the care of certain plants. John resented the impertinence of course, but he obeyed the instructions, nevertheless. It was the fixed habit of men who worked for Captain Will Hallam to obey his commands.

Presently the cashier presented himself, with check book in hand.

"Draw a check for five thousand dollars," commanded Captain Hallam, "payable 'to the King of Holland or Bearer'. Mind, I say 'bearer,'not'order.' Then draw another check for one hundred dollars, payable to yourself."

Not another word was said. No explanation of the gift to the cashier was offered or asked. The cashier understood. He drew the checks and his employer signed them. The smaller one he handed to his subordinate. The vastly larger one he thrust into his vest pocket, as he moved around a corner of the piazza to set his little girls swinging in a new contrivance which he had purchased for their use.

Presently he returned to his secretary and said:

"Telegraph Mr. Kingsbury to make out an application in proper form for a military permit to ship five thousand bales of cotton to New York. Tell him to have it ready for me at two o'clock at the main office."

Two hours later Captain Hallam found the application ready for him on his office desk. After looking it over he signed and carefully folded it after thefashion required for military documents, but as he did so he slipped into it the check for five thousand dollars, payable to the "King of Holland or Bearer."

No mention of the check was made in the document. If the proceeding should be resented at headquarters, the enclosure could be excused on the plea of accident.

Then the man of business bade his secretary envelop the package and send it by messenger to military headquarters.

It came back promptly with this endorsement on it:

"Application denied. The proposed shipment is larger than this office regards as properunder existing circumstances."

The last three words were heavily and suggestively underscored. Captain Hallam thought he understood. He was in the habit of understanding quickly. He called the cashier, handed him the check, first tearing it into four pieces, and bade him cancel the stub and draw a new check for ten thousand dollars, payable as before, to "the King of Hollandor Bearer."

Then he endorsed the application with the sentence:

"As conditions have somewhat changed since this application was rejected, I venture to ask a reconsideration."

Half an hour later Captain Hallam was duly and officially notified that his application for permission to ship five thousand bales of cotton was granted.

The check—without endorsement—was cashed next day—the bank teller would never say by whom. Butin the meanwhile Captain Hallam had said to his secretary:

"Telegraph the general freight agent at Chicago for freight cars, as fast as he can let me have them. Say I have five thousand bales of cotton awaiting shipment, with more to come as fast as I can get permits."

Then Captain Hallam mounted his horse and rode away for a "constitutional."

All this occurred a year or two before the time of Guilford Duncan's arrival in Cairo; but it was peculiarly characteristic of Captain Hallam's methods and the story of it is illustrative of his ideas.

Captain Will Hallam was quick to make up his mind with regard to a man. He was exceedingly accurate in his human judgments, too, and his confidence in them had been strengthened by experience in successfully acting upon them. As he phrased it, he "knew how to size a man up," and, as the employer of multitudes of men in all parts of the country and in all sorts of capacities, he had daily need of the skill he had acquired in that art. It was as much a part of his equipment for the conduct of his vast and varied enterprises as was his money capital itself.

When young Duncan presented himself in the private office after his night's vigil as a watchman, Captain Hallam asked him to sit. That was a recognition of his social status as something better than his employment of the night before might have suggested. Ordinarily a man employed as a levee watchman would not have been told to come to the private office at all. Nor would such a man have seen anybody higher than a junior clerk in collecting his wages.

But Captain Hallam had been impressed by this newcomer, and he wanted to talk with him.

He broke at once into a catechism.

"Why did you do that little fire-extinguishing act last night?"

He asked the question precisely as he might have done if he had resented the saving of his wealth of cotton.

"Oh, it was simple enough. The fire meant damage, and I was there. So, of course, I put it out."

"But why? The cotton wasn't yours, and you hadn't been hired to watch it."

"No, of course not. But when a gentle——I mean when any decent man sees property afire he doesn't ask whose it is before putting out the blaze."

"You're a Virginian, I should say, from your voice—late of the rebel army. What's your rank?"

"None now. I've put the war completely behind me. I'm beginning life anew."

"Good! I wish everybody, north and south, would do the same. But fools won't, and men are mostly fools, you know. When did you get to Cairo?"

"About five minutes before you saw me putting out the fire. I came down the river on the big tow boat."

"Where's your baggage?"

"On my back. I have no other clothes. I'll buy some when I earn some money."

"Where have you been since the surrender?"

"Making my way West."

"How?"

"On foot to Wheeling. Then on the tow boat."

"What fare did they make you pay?"

"None. I worked my way as a stoker—fireman they call it out here."

"No wages? Just passage and grub?"

"That was all."

"What have you got on your wheel house?"

"I fear I don't understand."

"Oh, that's river slang. You know every side-wheel steamer has a statement of her destination painted on her wheel house. I meant to ask what are your plans?"

"To find work and do it."

"What kind of work?"

"Any kind that's honest."

"You are educated, I suppose?"

"Yes, in a way. I'm an A. M. and a graduate in law."

"Know anything about business?"

"No, but I shall learn."

"If you can, you mean?"

"Oh, I can. A capable man can learn anything if he really wants to."

"I don't know about that. But I'll gamble on the proposition that you can."

"Thank you."

"No thanks are needed. I wasn't complimenting. I was just expressing an opinion."

Scribbling a memorandum on a scrap of paper, Captain Hallam handed it to Duncan, saying:

"Give that to the cashier as you go out, and get your wages. Then you'd better get your breakfast. I recommend you, while you're poor, to eat at the little booths along the levee, where they sell very good sandwiches and coffee cheap. After breakfast, if you choose to come back here I'll try to find something for you to do. Oh, I forgot. You were up all night, so you'll want to sleep."

There was an interrogative note in the last sentence. Captain Hallam was "sizing up" his man, and he closely scrutinized Duncan's face as the answer came.

"Oh, I'm used to night duty. I'm ready for a day's work if you can give me one. As for breakfast, I've had it."

"Then you had money?"

"A very little; but I didn't spend any of it. I sawed and split a load of wood for the keeper of a booth, and he gave me some bread and ham and coffee for my work."

"Oh, that's the way you managed it. Very well. Come back here in two hours anyhow."

After the young man had passed out, Captain Hallam said to one of his partner brothers:

"That fellow is a good sort. He has sand in hisgizzard. When he comes back set him at work at something or other—several things in succession in fact—and find out what he can do."

Such was Guilford Duncan's mustering into the new service of work.

During the next four or five days Guilford Duncan was kept busy with various small employments, some of them out of doors and some of them in the office. During this time Captain Hallam did not again engage him in conversation, but Duncan knew that the man of business was closely observing his work. He was not slow to discover that he was giving satisfaction. He saw that with each day the work assigned him was of a kind that required a higher intelligence than that of the day before.

Every evening the cashier paid him his day's wages, thus reminding him that he was not a salaried employee of the house, but a man working for wages from day to day.

Out of his first wages he had purchased a change of very cheap underwear, a towel, and a cake of soap. Every morning about daylight he went to a secluded spot on the levee, for a scrub and a swim. Then he washed out his towel and placed it with his other small belongings, in a storage place he had discovered in a great lumber pile.

One morning when he entered the office Captain Hallam gave him several business letters to answer from memoranda scribbled upon them by clerks or others. He gave him also a memorandum in his own handwriting, saying:

"Cut that down if you can and make a telegram of it. I'll be back in half an hour or so. Have it ready for me."

The case was this: A huge steamboat lay at the levee, loaded almost to the water's edge with grain which Captain Hallam was more than anxious to hurry to New Orleans to meet a sudden temporary and very marked advance in that market. That morning the boat had been "tied up"—as the phrase went—that is to say, she had been legally attached for debt, at the suit of a firm in St. Louis. Until the attachment should be removed the boat must lie at Cairo, in charge of a sheriff's officer. Captain Hallam wished to secure her immediate release, and to that end he purposed sending the telegram.

When he returned to the office Duncan handed him for inspection and signature the letters he had written.

"Here is the telegram, also," he said, "but, if you will pardon the impertinence, I think you had better not send it—at least in the form you have given it."

"What's the matter?" quickly snapped Hallam.

"It binds you to more than I think you intend."

"Go on! Explain!"

"Why, I cannot help seeing that if you send this dispatch you will make yourself legally responsible, not only for the claim for which the boat is now attached, but also for every claim against her that may exist anywhere. There may be none such, or there may be many. In any case I do not think you intend to assume them all."

"Go on! The boat must be got away. What do you advise?"

"That you go on her bond for this claim—which seems to me so clearly illegal that I think you can never be held upon the bond—and——"

"Remind me, when this is over, that you are to come to my house to-night for consultation on that point. Now go on."

"Well, by going on her bond for this claim, instead of asking the creditors to release the boat on your promise as made in the telegram, you can secure her immediate release, making yourself liable, at worst, for no more than the six hundred dollars claimed."

"But if I do that, what is to prevent another tie-up at Memphis and another at Vicksburg and others wherever the boat may happen to land. She's in debt up to the top of her smokestacks, all along the river."

"As you own the cargo, and she can't carry another ton, why should you let her stop at all? I suppose the captain would do as you desire in that matter. You might request him to run through without any landings."

"Request be hanged. I'll tell him what to do and he'll do it. He knows where cargoes come from. Can you get the papers ready?"

"I can, sir."

"All right. Do it at once." Then turning to a shipping clerk he sent for the captain of the steamer, to whom he said:

"Get up steam at once. You are to leave in less than an hour. How much coal have you?"

The captain told him.

"Take two light barges of coal in tow, one on each side, and draw on them for fuel. When they're empty cast them loose with two men on each to land them. You can pick them up on your return trip. You are to steam to New Orleans without a landing anywhere. You understand?"

The captain understood. By this time the papers were ready and after half an hour spent in legal formalities the released steamboat cast loose from the wharf and backed out into the river.

Then Captain Hallam turned to Guilford Duncan and said:

"I've an idea that you'll do. If you like I'll put you at regular work at a monthly salary, and we'll see how we get on together."

"I should like that."

"Very well. Now, where are you boarding?"

"Nowhere. I get what I want to eat at the booths down along the levee."

"But where do you sleep?"

"Among the big lumber piles down there on Fourth street."

Captain Hallam looked at the young man for a moment with something like admiration in his eyes. Presently he said:

"You'll do. You've got grit and you'll 'make the riffle,' sure. But you must live more regularly, now that you are to have a salary. I know what it means to live as you've been doing. I used to do it myself. I could tell to a cent the nutritive value of a pegged pie or a sewed one, and at a single glance I could guess the probable proportions of the dog and cat in a sausage. That sort of thing's all right for a little while, but not for long, and as for the sleeping among lumber piles, it's risky. I used to sleep in an empty sugar hogshead by preference, but sleeping out of doors may give you rheumatism."

"I've been doing it for four years," answered Duncan, smiling, "and I still have the use of my limbs."

"Yes, of course. I didn't think of that. But you must live better now. There's a well-furnished room above the office. It was my brother's quarters before he got married, and it is very comfortable. You can take it for your own. Give Dutch John, the scrub boy, half a dollar a week to take care of it for you and that's all the rent you need pay. As for your meals, most young men in Cairo feed their faces at the hotel. But that's expensive and what the proprietor calls his 'kuzene' is distinctly bad. There's a lady, however,—Mrs. Deming,—who furnishes very good 'square meals,' I hear, over in Walnut street. You'd better try there, I think. She's what you would call a gentlewoman, but she needs all the money you'll pay her."

Duncan wondered a little what a 'square meal' might be, but he was getting somewhat used to the prevalence in the West of those figurative forms of expression which we call slang. So he took it for granted that "square meals" were for some reason preferable to meals of any other geometrical form, and answered simply that he would look up Mrs. Deming's house after business hours should be over.

"Remember," said Captain Hallam as he passed out of the office, "you are to see me at my house to-night. Better come to supper—say at seven—and after supper we'll talk over that law point you mentioned, and other things."

Duncan wondered a little that Captain Hallam should give him so intimate an invitation when he knew so little of him. Everybody else in the office understood. Captain Will was planning to "size up his man" still further, in an evening's conversation.

As the weeks and months went on the results of Guilford Duncan's work completely justified the confident assertion he had made to Captain Hallam thata capable man can learn anything if he really wants to.

He rapidly familiarized himself with the technicalities, as well as with the methods and broad principles of business. He sat up till midnight for many nights in succession, in order to learn from the head bookkeeper the rather scant mysteries of bookkeeping. By observing the gaugers who measured coal barges to determine their contents, he quickly acquired skill in doing that.

It was so with everything. He was determined to master every art and mystery that in anywise pertained to business, whether the skill in question was or was not one that he was ever likely to need or to practice.

His diligence, his conscientiousness in work, his readiness of resource, his alert intelligence, and his sturdy integrity daily commended him more and moreto the head of the firm, and not many months had passed before everyone in the office tacitly recognized the young Virginian as the confidential adviser and assistant of Captain Hallam himself, though no formal appointment of that kind had been made.

But no advance of salary came to the young man as a result. It was one of Captain Hallam's rules never to pay a man more for his services than he must, and never to advance a man's salary until the advance was asked for.

Captain Hallam was in no fibre of his being a miser, but he acted always upon those cold-blooded prudential principles that had brought him wealth. It was not money that this great captain of commerce worshiped, but success. Success was the one god of his idolatry. Outside of his business he was liberal in the extreme. Even in his business operations he never hesitated at lavish expenditure where such expenditure promised good results. But he regarded all unnecessary spending as waste, of the kind that imperils success.

In his cynical moments, indeed, he sometimes said that "if you have a valuable man in your employ, you must keep him poor; otherwise you'll lose him." But in so saying he perhaps did himself an injustice. He was apt to feign a heartless selfishness that he did not feel.

Little by little Guilford Duncan had learned all this as he had learned business methods. He had at firstmodestly proposed to himself nothing more in the way of achievement than to make himself a valuable subordinate—a private, or at most a corporal or a sergeant—in the ranks of the great army of work. But before many months had passed his modesty was compelled to yield somewhat to an increasingly clear understanding of conditions and possibilities. Somewhat to his own surprise he began to suspect himself of possessing capacities superior to those of the men about him, and even superior to those of many men who had risen to high place in commerce and finance.

As Captain Hallam came more and more to rely upon the sagacity and character of this his most trusted man, he more and more brought young Duncan into those confidential conferences with the leading men of affairs, which were frequently necessary in the planning and execution of important enterprises, or in the meeting of difficulties and obstacles. In that way Duncan was brought into personal contact with the recognized masters—big and little—with railroad presidents, financiers, bankers, capitalists, and other men whose positions were in a greater or less degree commanding.

At first he modestly held himself as nothing more than the tool and servitor of these great men. But presently he began to suspect that they were not very great men after all—to see that it was usually he himself who devised and suggested the enterprises thatthese men undertook, and he who saved them from mistakes in the execution of those enterprises.

Guilford Duncan had never in his life kept a diary. He regarded that practice as a useless puerility and usually an indulgence in morbid self-communing and unwholesome self-consciousness. But it was his practice, sometimes, late at night, to set down upon paper such thoughts as had interested him during the day, for the sole sake of formulating them in his own mind. Often he would in this way discuss with himself questions concerning which he had not yet matured his opinion.

He found the practice conducive to clear thinking and sound judgment. It served for him the same purpose that the writing of intimate letters might have done if he had had any intimates to whom to write letters.

"I've been in conference this day," he wrote one night, "with half a dozen nabobs—not great nabobs, but second rate ones. Mr. M—— was the biggest one. He's a railroad president, and he always talks loftily of his 'system' when he means the single railroad he presides over and its little branches. Then there was D——. He's a General Freight Agent, and he never forgets the fact or lets anybody else forget it. That's because he was a small shipping clerk until less than two years ago. I don't think much of his capacity. Yes, I do. He knows how to manage a big traffic fairly well, and he has hadnousenough to climb out of his small clerkship into a position of responsibility. What I mean is that he has little education, no culture, and no intelligence outside of business. But I begin to see that except in its very highest places, business does not require anything better than good ordinary ability inspired by inordinate selfishness. Perhaps that is the reason that the novelists so rarely—I may say never—take a man of business for the hero of a romantic story.

"All this has put a new thought into my mind. Why should not I, Guilford Duncan, make myself a leader, a captain, or even a commanding general of affairs. I am far better educated than any of these men. They hold that education is a hindrance rather than a help in business, but in that they are mightily wrong, as I intend presently to show them. Other things being equal, a man of trained mind should certainly achieve better results, even in business, than a man of untrained mind. A man of trained mind, if he has natural capacity and energy,can do anything that he chooses to do. I must never forget that.

"But the man who would do things of any consequence in business ways must have money. The bank account is his tool chest.

"I suggested some combinations to-night to those nabobs, and they are going to carry them out. They would never have thought of the combinations but for my suggestion. But they can and will carry themout, with great credit and profit to themselves, because they have command of money.Icould not even think of conducting such affairs, simply because I have no command of money.

"Very well, then. I shall proceed to get money, just as I should study to acquire skill in a profession, or just as I should read up the law pertaining to a matter with which I must deal.

"I shall not learn to love money. That would degrade my soul. I shall regard money always as a means—a mere tool with which to do such work as I can in this great undeveloped country.

"That also is something to be remembered. The era of development is just beginning. These men are nation builders, though they don't know it, or intend it, or care anything about that aspect of their activities. Their motives are the sordid impulses of greed and selfish ambition alone.

"At least that is true of all of them except Captain Hallam. He is a man apart. His attitude is a peculiar one. He does not care for wealth in itself and yet he scrambles for it as greedily and as hungrily as the rest of them. Sometimes I think he regards the whole thing as a game which he enjoys playing with superior skill, just as one might with whist or chess. He likes to win, not for the sake of the winnings, but for the sake of the winning.

"I must go to bed now. To-morrow I'll begin thinking out plans for getting money. One thingis sure. No man can get much money by working for any other man. The man who gets rich is he who hires other men to work for him for less than their work is worth. But it is only by working for another man that one can get the first little capital—the first rude but handy tool with which to achieve success. I'll go on working as a hired man till I get a little hoard together. After that—well, we shall see."

Duncan was greatly admired but little understood by his fellows in the service of the Hallam firm, or by the similar people who thronged the town. His fellows, in and out of the office, were commonplace young men, all looking to the main chance alone and pursuing it with only such honesty of conduct as business prudence required. They felt no further interest in their work than such as was necessary to enable them to retain their places and their salaries.

Therefore they did not understand Guilford Duncan. Neither could they. They regarded with amazement and almost with incredulity his manifestations of sensitive honor and of unselfish loyalty to duty. They thought of him as a sort of freak, or what we should nowadays call a crank.

Of course they could not fail to recognize his ability, but they thought him a good deal of a fool, nevertheless, for not taking selfish advantage of the opportunities that so frequently came to him. They could not understand why he should go out of his way, as he very often did, to render services to the firmwhich were in no way required or expected of him. Especially they could not understand why, when he had rendered such services in a way to attract Captain Hallam's pleased attention he didn't "strike for something better," as they phrased their thought.

In one especial case, their amazement over his neglect of an opportunity bred something like contempt of him in their minds. It was the practice of the Hallams to keep a fleet of heavily laden coal barges in a bend of the river above the town, bringing them down one by one to the coalyards at "The Point" below the city as they were needed. One day in the early winter, a coal gauger being off duty, Duncan volunteered to go up to the bend in his stead, and measure the coal in a great fleet of barges that had just arrived.

He found the barges unsafely bestowed, and suggested to the captain of the Hallam yard tug boat that he should tow them into a securer anchorage. As night was at hand the captain of the tug refused, saying that he would attend to the matter on the morrow.

That night the first storm of the winter broke upon the river, lashing it to fury, and threatening with destruction every species of craft that might venture away from moorings.

About midnight one of Duncan's bedroom windows was blown in, scattering glass and fragments of sash over his bed, and startling him out of sleep.

Instantly the thought of the exposed coal barges flashed into his mind. He knew that they were utterly unfit to ride out a storm, being nothing more than great oblong boxes, loaded nearly to their gunwales with coal. He remembered, too, the exposed position in which they had been left for the night.

Hastily drawing on his clothing he hurried to the landing place of the yard tug. He found no preparations making there for any attempt to save the barges and their enormously rich cargoes, or even to rescue the helpless men who had been left on board of them. The engineer of the tug, who always slept on board, was there, and so were the two deck hands and the fireman, but the fires were banked, and the captain had not responded to the duty call of the tempest.

As the immediate representative and chief lieutenant of Captain Hallam, Guilford Duncan was recognized as a man somewhat entitled to give orders. On this occasion he promptly assumed so much more of authority as did not strictly belong to him.

He instantly ordered the engineer to get up steam. He directed one of the two deck hands to go hurriedly to the tug captain's bedroom and order him to come to the tug at once.

As he rattled off his orders for putting cable coils aboard, placing all fenders in position, battening down the hatches, and doing all else that might renderthe tug fitter for the perilous service that he intended to exact of her, his voice took on the old ring of battle, and his commands came quick, sharp, and penetrating from his set lips, like those of an officer placing guns in position for a desperate fight.

The captain, who was also sole pilot of the tug, so far obeyed the order sent to him as to come to the tug landing. But when he looked out upon the storm-lashed river, he positively refused to obey Duncan's order to go to the wheel.

"I'll never take the tug out in such a storm as this," he said doggedly.

"But think, man! There are twenty men or more up there on those coal barges, whose lives simplymustbe saved. And there is a hundred thousand dollars' worth of coal there that may go to the bottom any minute."

"I can't help that. I tell you the tug couldn't live a minute in such a storm."

"In other words," answered Duncan with measureless contempt in his tone, "you are a miserable coward, a white-livered wretch, whose life wouldn't be worth saving if it were in danger. Go back to your bed! Go to sleep! orgo to hell, damn you, for the cowardly whelp that you are!"

Then turning to the engineer and the two deck hands, he asked hoarsely:

"Will you men stand to your duty while I go to the wheel?"

"We're with you while she floats, cap'n," said the engineer. "I always did hate a coward."

"Have you got steam enough?"

"Yes, a hundred and fifty pounds pressure to the square inch, and she'll need it all."

"All right. Cast her off," commanded Duncan as he stepped to his post in the pilot house.

He knew, of course, that he was taking terrible risks. Having no pilot's license he had no legal right to be at the wheel. Should disaster overtake the tug he would be personally liable for the insurance forfeited by his act in taking her out in contravention of the judgment of her captain and pilot. Worse still, should any life be lost in the adventure, Guilford Duncan would be held to answer for manslaughter.

Well-educated lawyer that he was, he knew all these facts. He perfectly understood the fearful responsibilities he was taking upon himself. Yet he faltered not nor failed. There was no moment's hesitation in his mind. There were lives in peril up there in the bend, and a vast property exposed to destruction. There was a chance that by taking these risks he might save both. All that is best in the soul-impulse of the soldier was his inspiration. He would do his duty—though that duty was in no wise his except as he had made it his—and let consequences look out for themselves.

This young fellow had often sniffed the breath ofbattle in his nostrils. He had many times done and dared things that only a brave and self-regardless man could have done and dared. To-night the old enthusiasm of war came back to his soul, but with a difference. He had often fought to destroy. He was facing danger now with saving and the rescue of imperiled human lives for his purpose.

As the tug quitted her moorings and began her voyage up the river, Duncan caught a glimpse of Captain Hallam's form hurrying toward the landing. Almost immediately the tug began to plunge in perilous fashion, thrusting her head under the waves, and shipping water enough to dampen the fires and diminish steam pressure in a way that threatened failure to the enterprise.

Failure in the work of rescue was the only thing that Guilford Duncan feared.

He had already had the hatches securely battened down so that no water could find its way into the hold. But when he saw that water was rapidly rushing with every sea into the furnace room, threatening with extinction the fires that could alone give power to the vessel, he called one of the deck hands to the wheel, and instructing him as to the course to be laid, himself hurriedly inspected ship. With the aid of the other deck hand he quickly removed from bow to stern everything that had weight. Then he and the deck hand and the fireman, with some aid from the engineer, proceeded to shovel the coal supply fromits bunkers forward of the fire room into the captain's cabin aft of the furnaces.

This done, the tug no longer ran her prow into and under the tremendous seas, but rode over them instead, shipping no further water.

Then Duncan returned to the pilot house, and a few minutes later reached the imperiled fleet of coal barges.

There havoc had already begun. Three barges had gone down and two men had been drowned. The rest of the barges were riding so uneasily that their seams were opening, and the water that must presently swamp them was finding its insidious way through their sides and bottoms.

When the tug appeared, all the men on board the coal barges clamored piteously to be taken off at once.

"Stand to your duty, men!" shouted Duncan. "Don't be cowards. Do your part of the work and we'll save all of you and all the coal. Only obey orders promptly and I'll be responsible for the rest. Go to the pumps and answer every command promptly."

He then ordered flaming torches kindled on every barge, and in the light thus created he was able to tow one after another of the coal boats into that harbor of safety in which the tug captain should have moored them during the day before, the men meanwhile pumping to keep the water down.

Then with his clothing drenched and frozen stiff upon him, he steered the tug back to her landing place, through the now receding storm.

Kennedy, the tug captain, was there, waiting. As Duncan came ashore Kennedy said menacingly:

"If I get my discharge for this I'll prosecute you for piloting without a license."

The ice-encased and half-frozen young man made no reply. He simply hurried ashore.

As he mounted to the top of the levee, though it was only a little after daylight, Duncan encountered Captain Will Hallam, who stood there waiting for him.

"Go to the hotel," said the employer. "I've ordered a piping hot bath for you there, and a blazing wood fire. There's nothing like a wood fire after a chilling such as you've had. When you get good and warm, go to bed. When you wake naturally, telegraph to the office for me, and we'll breakfast together. I've ordered the breakfast—the hotel keeper thinks it will bankrupt him or make his fortune to furnish it, but that doesn't matter. Get warm and get some sleep. Sleep as long as you can."

"I don't think I care for sleep," answered the half-frozen and wholly exhausted young man. "But would you mind sending Dutch John to me at the hotel? I'd like to have him rub me down with some Turkish towels after my hot bath. Tell him I have a dollar for him if he rubs me well."

"That fellow is certainly a new brand," muttered Captain Hallam to himself as he walked away up the levee. "But he's 'triple X' for endurance and modesty and courage, and all the rest of it. What a fighter he must have been! I'd like to see him in a hot battle, if I were bullet proof myself. I'll bet bonds to brickbats he got all the fight there was in them out of his men. But why doesn't he look out for his own interests, I wonder? I'm still paying him the salary on which he began. Any other man in my employ who could have done one-tenth of what he has done, would have made me pay three times as much by this time. But then, that's the reason. It's just because he is that sort that he hasn't bothered about an increase of salary. By George! I'll give it to him without the asking! I never did such a thing before in all my life. It will startle the office people out of their wits, but they need startling, and as for their wits—well——"

He didn't complete the sentence; for just then he met Dutch John.

"Go down to the hotel at once," he commanded. "Go on the run. Go to Mr. Duncan's room and rub all the skin off his body. He'll give you a dollar for a good rub. I'll give you five dollars more if he is satisfied."

"I must milk your cows first," answered the stolid German boy, whose occupations were varied and sometimes conflicting.

"Oh, let the cows go hang! Or let the half-dozen accomplished young ladies whom my wife employs to keep her establishment in order, milk them! You go to the hotel and rub that man into condition. Damn the cows!"

Obviously, young Duncan's performance of that stormy night had awakened Captain Hallam to enthusiasm. He was not much given to enthusiasms, but this one was thoroughly genuine.

"Yes, by George!" he said between his clenched teeth, "I'll multiply that fellow's salary by three and let the office people wonder! Perhaps it will give them a hint. No, it won't. Or at least they won't take the hint. But anyhow, I'll do it, if only for what the newspapers call 'dramatic effect.'"

Entering the office, where, at this hour, the clerks were assembling, Captain Hallam said, in his figurative fashion:

"That fellow Duncan has got more cogs in his gearing wheels than all the rest of you put together. You call him a freak; you call him eccentric, because he isn't like you. Now let me tell you that that's a sort of eccentricity that you'll do well to cultivate. The less you are like yourselves and the more you're like him, the better it will be for you. He thinks. You don't. He does all he can. You do as little as you can. He shall have his reward. He shall have a salary three times that of the best man in the office. And more than that, he shall have the right to command here. Whatever orders he gives shall be obeyed, just as if they were my own. He is your model to imitate, so far as you can. But most of you can't. Most of you care only to get through a day's work for a day's wages. You have no loyalty, no concern for the business. Not a man jack of you thought of the storm last night as a circumstance that imperiled human life and my property. He did. You lay still in your beds listening to the rain on the roof, and sinking into sweet slumbers to the tune of its pattering. He was up and out, and risking his life to meet the emergency. Can't you see that that makes all the difference between a successful man and an unsuccessful one? Can't you understand that—oh, pshaw! What's the use of talking to stumps?"

That was the very longest speech that Captain Will Hallam had ever made in his life. It was not without effect. It did not inspire any of the clerks to fresh endeavor, or to a more conscientious service. But it made every one of them an implacable enemy of Guilford Duncan, and inflamed every one of them with an insatiable desire to injure him whenever occasion might offer.

Thus, by his night's heroic endeavor, Guilford Duncan had succeeded not only in making an enemy of Captain Kennedy, but in making himselfanathemamaranathain the Hallam office besides.

He was taking a bath, however, at that time, and not thinking of these matters.


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