ntanglement, but never again
to hold the unwavering confidence of his employer. Mr. Phillips
pitied, but could not trust him fully. A year afterwards came
troublesome times, losses in business, and depression in trade.
Every man had to retrench. Thousands of clerks lost their places,
and anxiety and distress were on every hand. Mr. Phillips, like
others, had to reduce expenses, and, in reducing, the lot to go fell
upon Martin Green. He had been very circumspect, had kept away from
the old places where danger lurked, had devoted himself with renewed
assiduity to his employer's interests; but, for all this, doubts
were forever arising in the mind of Mr. Phillips, and when the
question, "Who shall go?" came up, the decision was against Martin.
We pity him, but cannot blame his employer.

III.

ANDY LOVELL.

ALL the village was getting out with Andy Lovell, the shoemaker; and
yet Andy Lovell's shoes fitted so neatly, and wore so long, that the
village people could ill afford to break with him. The work made by
Tompkins was strong enough, but Tompkins was no artist in leather.
Lyon's fit was good, and his shoes neat in appearance, but they had
no wear in them. So Andy Lovell had the run of work, and in a few
years laid by enough to make him feel independent. Now this feeling
of independence is differently based with different men. Some must
have hundreds of thousands of dollars for it to rest upon, while
others find tens of thousands sufficient. A few drop below the tens,
and count by units. Of this last number was Andy Lovell, the
shoemaker.

When Andy opened his shop and set up business for himself, he was
twenty-four years of age. Previous to that time he had worked as
journeyman, earning good wages, and spending as fast as he earned,
for he had no particular love of money, nor was he ambitious to rise
and make an appearance in the world. But it happened with Andy as
with most young men he fell in love; and as the village beauty was
compliant, betrothal followed. From this time he was changed in many
things, but most of all in his regard for money. From a free-handed
young man, he became prudent and saving, and in a single year laid
by enough to warrant setting up business for himself. The wedding
followed soon after.

The possession of a wife and children gives to most men broader
views of life. They look with more earnestness into the future, and
calculate more narrowly the chances of success. In the ten