e hardly appreciates how much. The old terrifying relations
between employer and employee do not exist now--at least, that is my
experience."

"Still if Mr. Hammond came to know that you spent your evenings at----"

"Mother, listen to me a moment. Mr. Julius Hammond proposed me for
membership in the club--my employer! I should never have thought of
joining if it hadn't been for him. You remember my last raise in
salary? You thought it was for merit, of course, and father thought it
was luck. Well, it was neither--or both, perhaps. Now, this is
confidential and to yourself only. I wouldn't tell it to any one else.
Hammond called me into his private office one afternoon when the bank
was closed, and said, 'Saunders, I want you to join the Athletic Club;
I'll propose you.' I was amazed and told him I couldn't afford it.
'Yes, you can,' he answered. 'I'm going to raise your salary double the
amount of entrance fee and annual. If you don't join I'll cut it down.'
So I joined. I think I should have been a fool if I hadn't."

"Dick, I never heard of such a thing! What in the world did he want you
to join for?"

"Well, mother," said Dick, looking at his watch, "that's a long story.
I'll tell it to you some other evening. I haven't time to-night. I must
be off."

"Oh, Dick, don't go to-night. Please stay at home, for my sake."

Dick smoothed his mother's grey hair and kissed her on the forehead.
Then he said: "Won't to-morrow night do as well, mother? I can't stay
to-night. I have an appointment at the club."

"Telegraph to them and put it off. Stay for my sake to-night, Dick. I
never asked you before."

The look of anxiety came into his face again.

"Mother, it is impossible, really it is. Please don't ask me again.
Anyhow, I know it is father who wants me to stay, not you. I presume
he's on the duty tack. I think what he has to say will keep till to-
morrow night. If he must work off some of his sentiments on gambling,
let him place his efforts where they are needed--let him tackle Jule
Hammond, but not during business hours."

"You surely don't mean to say that a respected business man--a banker
like Mr. Hammond--gambles?"

"Don't I? Why, Hammond's a plunger from Plungerville, if you know what
that means. From nine to three he is the strictest and best business
man in the city. If you spoke to him then of the True Blue Athletic
Club he wouldn't know what you were talking about. But after three
o'clock he'll take