r look back. Before engaging in any new business, I
thoroughly examine its promise, and carefully weigh all the
probabilities of success or failure. After my decision is made, I
never again review the ground over which I travelled in coming to a
decision, but pass onward with faith and vigour in the accomplishment
of all that I have undertaken. More men are ruined by vacillation
than from any other cause."

"My observation brings me to another conclusion," quietly returned
Mr. Brainard. The earnest enthusiasm of the one, and the immovable
coolness of the other, were finely contrasted.

"And what is that?" inquired Mr. Markland.

"Why, that more men are ruined by a blind perseverance in going the
wrong way, than from any other cause. Were we infallible in
judgment, it might be well enough to govern ourselves in all
important matters on the principle you indicate. But, as we are not,
like wise navigators, we should daily make new observations, and
daily examine our charts. The smallest deviation from a right line
will make an immense error in the course of a long voyage."

"Wise business men are in little danger of making errors," said
Markland, confidently.

"A great many sad mistakes are made daily," returned Mr. Brainard.

"Not by wise men."

"If a man's projects succeed," was rejoined, "we applaud his sound
business judgment; if they fail, we see the cause of failure so
plainly, that we are astonished at his want of forethought in not
seeing it at the beginning. But, sir, there's a divinity that shapes
our ends, rough hew them as we will. Success or failure, I am well
convinced, do not always depend on the man himself."

"Is there no virtue, then, in human prudence?" asked Mr. Markland.

"I am not prepared to say how far we may depend on human prudence,"
replied the other; "but I know this, that if we fail to use it, we
will fail in most of our undertakings. Human prudence must be
exercised in all cases; but, too often, we let our confident hopes
take the place of prudence, as I think you are doing now."

"But surely, Mr. Brainard," said Markland, in an earnest, appealing
way, "you do not intend receding from this business?"

"My mind is fully made up," was answered.

"And so is mine," firmly replied Markland.

"To do what?"

"To take the whole interest myself."

"What?"

"To invest forty thousand dollars, instead of the proposed twenty,
at once."

"You show strong faith, certainly."

"My fait