One of the directors was Col. Prentiss Drew, "the railroad magnate" of the newspapers. He had shown a fondness for young Mr. Brewster, and Monty had been a frequent visitor at his house. Colonel Drew called him "my dear boy," and Monty called him "a bully old chap," though not in his presence. But the existence of Miss Barbara Drew may have had something to do with the feeling between the two men. 

 As he left the directors' room, on the afternoon of the meeting, Colonel Drew came up to Monty, who had notified the officers of the bank that he was leaving. 

 "Ah, my dear boy," said the Colonel, shaking the young man's hand warmly, "now you have a chance to show what you can do. You have a fortune and, with judgment, you ought to be able to triple it. If I can help you in any way, come and see me." 

 Monty thanked him. 

 "You'll be bored to death by the raft of people who have ways to spend your money," continued the Colonel. "Don't listen to any of them. Take your time. You'll have a new chance to make money every day of your life, so go slowly. I'd have been rich years and years ago if I'd had sense enough to run away from promoters. They'll all try to get a whack at your money. Keep your eye open, Monty. The rich young man is always a tempting morsel." After a moment's reflection, he added, "Won't you come out and dine with us to-morrow night?" 

 

 

 CHAPTER III 

 MRS. AND MISS GRAY 

 Mrs. Gray lived in Fortieth Street. For years Montgomery Brewster had regarded her quiet, old-fashioned home as his own. The house had once been her grandfather's, and it was one of the pioneers in that part of the town. It was there she was born; in its quaint old parlor she was married; and all her girlhood, her brief wedded life, and her widowhood were connected with it. Mrs. Gray and Montgomery's mother had been schoolmates and playmates, and their friendship endured. When old Edwin Peter Brewster looked about for a place to house his orphaned grandson, Mrs. Gray begged him to let her care for the little fellow. He was three years older than her Margaret, and the children grew up as 

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