THE FINANCIER 
and in a way undramatic episodes which are, nevertheless, 
dramatic in a dull way. He was seized with a cold in the 
chest late in the fall—one of those seizures ordinarily 
attributed to wet feet, or going out on a damp day with- 
out an overcoat—and because he paid little or no atten- 
tion to it, insisted on going to business when Mrs. Semple 
urged him to stay at home and recuperate, after the third 
or fourth day he was very much worse. Mr. Semple was 
in his way a very determined person, not obstreperously 
so, but quietly and under the surface. Business was a 
great urge. Wealth, that thing he hoped for, lay, he 
thought, in his giving unbroken attention to business 
early and late. He saw himself soon worth about fifty 
thousand dollars. Then this cold—nine more days of 
pneumonia—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 Mr. Semple was buried. 
Mrs. Semple cried bitterly. The shock of death affected 
her greatly and left her for a time in a depressed 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 at once considered a 
charming and interesting widow. 
Through this procedure young Cowperwood, only 
twenty years of age, was quietly manifest. He called 
through the illness. He attended the funeral. He helped 
her brother, David Wiggin, dispose of the shoe situation 
by volunteering to go and talk to certain shoe dealers 
as to the advisability of their taking over this stock. He 
called once or twice after the funeral, then stayed away for 
a considerable time. In five months he reappeared, and 
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