In the meantime, his interest in Mrs. Semple had been secretly and strangely growing. When he received an invitation to call at the Semple home, he accepted with a great deal of pleasure. Their house was located not so very far from his own, on North Front Street, in the neighborhood of what is now known as No. 956. It had, in summer, quite a wealth of green leaves and vines. The little side porch which ornamented1 its south wall commanded a charming view of the river, and all the windows and doors were topped with lunettes of small-paned glass. The interior of the house was not as pleasing as he would have had it. Artistic2 impressiveness, as to the furniture at least, was wanting, although it was new and good. The pictures were — well, simply pictures. There were no books to speak of — the Bible, a few current novels, some of the more significant histories, and a collection of antiquated3 odds4 and ends in the shape of books inherited from relatives. The china was good — of a delicate pattern. The carpets and wall-paper were too high in key. So it went. Still, the personality of Lillian Semple was worth something, for she was really pleasing to look upon, making a picture wherever she stood or sat.
There were no children — a dispensation of sex conditions which had nothing to do with her, for she longed to have them. She was without any notable experience in social life, except such as had come to the Wiggin family, of which she was a member — relatives and a few neighborhood friends visiting. Lillian Wiggin, that was her maiden5 name — had two brothers and one sister, all living in Philadelphia and all married at this time. They thought she had done very well in her marriage.
It could not be said that she had wildly loved Mr. Semple at any time. Although she had cheerfully married him, he was not the kind of man who could arouse a notable passion in any woman. He was practical, methodic, orderly. His shoe store was a good one — well-stocked with styles reflecting the current tastes and a model of cleanliness and what one might term pleasing brightness. He loved to talk, when he talked at all, of shoe manufacturing, the development of lasts and styles. The ready-made shoe — machine-made to a certain extent — was just coming into its own slowly, and outside of these, supplies of which he kept, he employed bench-making shoemakers, satisfying his customers with personal measurements and making the shoes to order.
Mrs. Semple read a little — not much. She had a habit of sitting and apparently6 brooding reflectively at times, but it was not based on any deep thought. She had that curious beauty of body, though, that made her somewhat like a figure on an antique vase, or out of a Greek chorus. It was in this light, unquestionably, that Cowperwood saw her, for from the beginning he could not keep his eyes off her. In a way, she was aware of this but she did not attach any significance to it. Thoroughly8 conventional, satisfied now that her life was bound permanently9 with that of her husband, she had settled down to a staid and quiet existence.
At first, when Frank called, she did not have much to say. She was gracious, but the burden of conversation fell on her husband. Cowperwood watched the varying expression of her face from time to time, and if she had been at all psychic10 she must have felt something. Fortunately she was not. Semple talked to him pleasantly, because in the first place Frank was becoming financially significant, was suave11 and ingratiating, and in the next place he was anxious to get richer and somehow Frank represented progress to him in that line. One spring evening they sat on the porch and talked — nothing very important — slavery, street-cars, the panic — it was on then, that of 1857 — the development of the West. Mr. Semple wanted to know all about the stock exchange. In return Frank asked about the shoe business, though he really did not care. All the while, inoffensively, he watched Mrs. Semple. Her manner, he thought, was soothing12, attractive, delightful13. She served tea and cake for them. They went inside after a time to avoid the mosquitoes. She played the piano. At ten o’clock he left.
Thereafter, for a year or so, Cowperwood bought his shoes of Mr. Semple. Occasionally also he stopped in the Chestnut14 Street store to exchange the time of the day. Semple asked his opinion as to the advisability of buying some shares in the Fifth and Sixth Street line, which, having secured a franchise15, was creating great excitement. Cowperwood gave him his best judgment16. It was sure to be profitable. He himself had purchased one hundred shares at five dollars a share, and urged Semple to do so. But he was not interested in him personally. He liked Mrs. Semple, though he did not see her very often.
About a year later, Mr. Semple died. It was an untimely death, one of those fortuitous and in a way insignificant17 episodes which are, nevertheless, dramatic in a dull way to those most concerned. He was seized with a cold in the chest late in the fall — one of those seizures18 ordinarily attributed to wet feet or to going out on a damp day without an overcoat — and had insisted on going to business when Mrs. Semple urged him to stay at home and recuperate19. He was in his way a very determined20 person, not obstreperously21 so, but quietly and under the surface. Business was a great urge. He saw himself soon to be worth about fifty thousand dollars. Then this cold — nine more days of pneumonia22 — and he was dead. The shoe store was closed for a few days; the house was full of sympathetic friends and church people. There was a funeral, with burial service in the Callowhill Presbyterian Church, to which they belonged, and then he was buried. Mrs. Semple cried bitterly. The shock of death affected23 her greatly and left her for a time in a depressed24 state. A brother of hers, David Wiggin, undertook for the time being to run the shoe business for her. There was no will, but in the final adjustment, which included the sale of the shoe business, there being no desire on anybody’s part to contest her right to all the property, she received over eighteen thousand dollars. She continued to reside in the Front Street house, and was considered a charming and interesting widow.
Throughout this procedure young Cowperwood, only twenty years of age, was quietly manifest. He called during the illness. He attended the funeral. He helped her brother, David Wiggin, dispose of the shoe business. He called once or twice after the funeral, then stayed away for a considerable time. In five months he reappeared, and thereafter he was a caller at stated intervals25 — periods of a week or ten days.
Again, it would be hard to say what he saw in Semple. Her prettiness, wax-like in its quality, fascinated him; her indifference26 aroused perhaps his combative27 soul. He could not have explained why, but he wanted her in an urgent, passionate28 way. He could not think of her reasonably, and he did not talk of her much to any one. His family knew that he went to see her, but there had grown up in the Cowperwood family a deep respect for the mental force of Frank. He was genial29, cheerful, gay at most times, without being talkative, and he was decidedly successful. Everybody knew he was making money now. His salary was fifty dollars a week, and he was certain soon to get more. Some lots of his in West Philadelphia, bought three years before, had increased notably30 in value. His street-car holdings, augmented31 by still additional lots of fifty and one hundred and one hundred and fifty shares in new lines incorporated, were slowly rising, in spite of hard times, from the initiative five dollars in each case to ten, fifteen, and twenty-five dollars a share — all destined32 to go to par7. He was liked in the financial district and he was sure that he had a successful future. Because of his analysis of the brokerage situation he had come to the conclusion that he did not want to be a stock gambler. Instead, he was considering the matter of engaging in bill-brokering, a business which he had observed to be very profitable and which involved no risk as long as one had capital. Through his work and his father’s connections he had met many people — merchants, bankers, traders. He could get their business, or a part of it, he knew. People in Drexel & Co. and Clark & Co. were friendly to him. Jay Cooke, a rising banking33 personality, was a personal friend of his.
Meanwhile he called on Mrs. Semple, and the more he called the better he liked her. There was no exchange of brilliant ideas between them; but he had a way of being comforting and social when he wished. He advised her about her business affairs in so intelligent a way that even her relatives approved of it. She came to like him, because he was so considerate, quiet, reassuring34, and so ready to explain over and over until everything was quite plain to her. She could see that he was looking on her affairs quite as if they were his own, trying to make them safe and secure.
“You’re so very kind, Frank,” she said to him, one night. “I’m awfully35 grateful. I don’t know what I would have done if it hadn’t been for you.”
She looked at his handsome face, which was turned to hers, with child-like simplicity36.
“Not at all. Not at all. I want to do it. I wouldn’t have been happy if I couldn’t.”
His eyes had a peculiar37, subtle ray in them — not a gleam. She felt warm toward him, sympathetic, quite satisfied that she could lean on him.
“Well, I am very grateful just the same. You’ve been so good. Come out Sunday again, if you want to, or any evening. I’ll be home.”
It was while he was calling on her in this way that his Uncle Seneca died in Cuba and left him fifteen thousand dollars. This money made him worth nearly twenty-five thousand dollars in his own right, and he knew exactly what to do with it. A panic had come since Mr. Semple had died, which had illustrated38 to him very clearly what an uncertain thing the brokerage business was. There was really a severe business depression. Money was so scarce that it could fairly be said not to exist at all. Capital, frightened by uncertain trade and money conditions, everywhere, retired39 to its hiding-places in banks, vaults40, tea-kettles, and stockings. The country seemed to be going to the dogs. War with the South or secession was vaguely41 looming42 up in the distance. The temper of the whole nation was nervous. People dumped their holdings on the market in order to get money. Tighe discharged three of his clerks. He cut down his expenses in every possible way, and used up all his private savings43 to protect his private holdings. He mortgaged his house, his land holdings — everything; and in many instances young Cowperwood was his intermediary, carrying blocks of shares to different banks to get what he could on them.
“See if your father’s bank won’t loan me fifteen thousand on these,” he said to Frank, one day, producing a bundle of Philadelphia & Wilmington shares. Frank had heard his father speak of them in times past as excellent.
“They ought to be good,” the elder Cowperwood said, dubiously44, when shown the package of securities. “At any other time they would be. But money is so tight. We find it awfully hard these days to meet our own obligations. I’ll talk to Mr. Kugel.” Mr. Kugel was the president.
There was a long conversation — a long wait. His father came back to say it was doubtful whether they could make the loan. Eight per cent., then being secured for money, was a small rate of interest, considering its need. For ten per cent. Mr. Kugel might make a call-loan. Frank went back to his employer, whose commercial choler rose at the report.
“For Heaven’s sake, is there no money at all in the town?” he demanded, contentiously45. “Why, the interest they want is ruinous! I can’t stand that. Well, take ’em back and bring me the money. Good God, this’ll never do at all, at all!”
Frank went back. “He’ll pay ten per cent.,” he said, quietly.
Tighe was credited with a deposit of fifteen thousand dollars, with privilege to draw against it at once. He made out a check for the total fifteen thousand at once to the Girard National Bank to cover a shrinkage there. So it went.
During all these days young Cowperwood was following these financial complications with interest. He was not disturbed by the cause of slavery, or the talk of secession, or the general progress or decline of the country, except in so far as it affected his immediate46 interests. He longed to become a stable financier; but, now that he saw the inside of the brokerage business, he was not so sure that he wanted to stay in it. Gambling47 in stocks, according to conditions produced by this panic, seemed very hazardous48. A number of brokers49 failed. He saw them rush in to Tighe with anguished50 faces and ask that certain trades be canceled. Their very homes were in danger, they said. They would be wiped out, their wives and children put out on the street.
This panic, incidentally, only made Frank more certain as to what he really wanted to do — now that he had this free money, he would go into business for himself. Even Tighe’s offer of a minor51 partnership52 failed to tempt53 him.
“I think you have a nice business,” he explained, in refusing, “but I want to get in the note-brokerage business for myself. I don’t trust this stock game. I’d rather have a little business of my own than all the floor work in this world.”
“But you’re pretty young, Frank,” argued his employer. “You have lots of time to work for yourself.” In the end he parted friends with both Tighe and Rivers. “That’s a smart young fellow,” observed Tighe, ruefully.
“He’ll make his mark,” rejoined Rivers. “He’s the shrewdest boy of his age I ever saw.”
1 ornamented | |
adj.花式字体的v.装饰,点缀,美化( ornament的过去式和过去分词 ) | |
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2 artistic | |
adj.艺术(家)的,美术(家)的;善于艺术创作的 | |
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3 antiquated | |
adj.陈旧的,过时的 | |
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4 odds | |
n.让步,机率,可能性,比率;胜败优劣之别 | |
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5 maiden | |
n.少女,处女;adj.未婚的,纯洁的,无经验的 | |
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6 apparently | |
adv.显然地;表面上,似乎 | |
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7 par | |
n.标准,票面价值,平均数量;adj.票面的,平常的,标准的 | |
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8 thoroughly | |
adv.完全地,彻底地,十足地 | |
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9 permanently | |
adv.永恒地,永久地,固定不变地 | |
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10 psychic | |
n.对超自然力敏感的人;adj.有超自然力的 | |
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11 suave | |
adj.温和的;柔和的;文雅的 | |
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12 soothing | |
adj.慰藉的;使人宽心的;镇静的 | |
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13 delightful | |
adj.令人高兴的,使人快乐的 | |
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14 chestnut | |
n.栗树,栗子 | |
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15 franchise | |
n.特许,特权,专营权,特许权 | |
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16 judgment | |
n.审判;判断力,识别力,看法,意见 | |
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17 insignificant | |
adj.无关紧要的,可忽略的,无意义的 | |
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18 seizures | |
n.起获( seizure的名词复数 );没收;充公;起获的赃物 | |
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19 recuperate | |
v.恢复 | |
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20 determined | |
adj.坚定的;有决心的 | |
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21 obstreperously | |
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22 pneumonia | |
n.肺炎 | |
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23 affected | |
adj.不自然的,假装的 | |
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24 depressed | |
adj.沮丧的,抑郁的,不景气的,萧条的 | |
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25 intervals | |
n.[军事]间隔( interval的名词复数 );间隔时间;[数学]区间;(戏剧、电影或音乐会的)幕间休息 | |
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26 indifference | |
n.不感兴趣,不关心,冷淡,不在乎 | |
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27 combative | |
adj.好战的;好斗的 | |
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28 passionate | |
adj.热情的,热烈的,激昂的,易动情的,易怒的,性情暴躁的 | |
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29 genial | |
adj.亲切的,和蔼的,愉快的,脾气好的 | |
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30 notably | |
adv.值得注意地,显著地,尤其地,特别地 | |
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31 Augmented | |
adj.增音的 动词augment的过去式和过去分词形式 | |
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32 destined | |
adj.命中注定的;(for)以…为目的地的 | |
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33 banking | |
n.银行业,银行学,金融业 | |
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34 reassuring | |
a.使人消除恐惧和疑虑的,使人放心的 | |
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35 awfully | |
adv.可怕地,非常地,极端地 | |
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36 simplicity | |
n.简单,简易;朴素;直率,单纯 | |
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37 peculiar | |
adj.古怪的,异常的;特殊的,特有的 | |
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38 illustrated | |
adj. 有插图的,列举的 动词illustrate的过去式和过去分词 | |
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39 retired | |
adj.隐退的,退休的,退役的 | |
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40 vaults | |
n.拱顶( vault的名词复数 );地下室;撑物跳高;墓穴 | |
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41 vaguely | |
adv.含糊地,暖昧地 | |
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42 looming | |
n.上现蜃景(光通过低层大气发生异常折射形成的一种海市蜃楼)v.隐约出现,阴森地逼近( loom的现在分词 );隐约出现,阴森地逼近 | |
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43 savings | |
n.存款,储蓄 | |
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44 dubiously | |
adv.可疑地,怀疑地 | |
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45 contentiously | |
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46 immediate | |
adj.立即的;直接的,最接近的;紧靠的 | |
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47 gambling | |
n.赌博;投机 | |
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48 hazardous | |
adj.(有)危险的,冒险的;碰运气的 | |
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49 brokers | |
n.(股票、外币等)经纪人( broker的名词复数 );中间人;代理商;(订合同的)中人v.做掮客(或中人等)( broker的第三人称单数 );作为权力经纪人进行谈判;以中间人等身份安排… | |
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50 anguished | |
adj.极其痛苦的v.使极度痛苦(anguish的过去式) | |
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51 minor | |
adj.较小(少)的,较次要的;n.辅修学科;vi.辅修 | |
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52 partnership | |
n.合作关系,伙伴关系 | |
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53 tempt | |
vt.引诱,勾引,吸引,引起…的兴趣 | |
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