She didn't think of him as anything save a remarkably 
talented young man, able, forceful, direct, incisive, and 
yet gentle—to her. He took his hat, held her hand, 
looked into her eyes, and went away. After he had gone 
she paused a moment, coming out of something that 
seemed like a warm, cheering vapor. He enveloped her 
completely with the charm of his personality She could 
not have said why; but he did. 
It was while he was calling on her in this way in her 
widowhood that his Uncle Seneca died in Cuba and left 
him fifteen thousand dollars outright. Davis had originally 
intended to leave him more; but Mrs. Davis's two chil- 
dren by him came in for later consideration, and he had to 
revise his will. This money, at this age, made Frank 
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 illus- 
trated to him very clearly what an uncertain thing the 
brokerage business was. It was really a severe business 
depression. Money was so scarce that it could fairly 
be said not to exist at all. Capital, frightened by uncer- 
tain trade and money conditions everywhere, retired to 
its hiding-places in banks, vaults, tea-kettles, and stock- 
ings. The country seemed to be going to the dogs. War 
with the South or secession was vaguely looming up in 
the distance. The temper of the whole nation was 
nervous. People dumped their holdings which they had 
purchased in all sorts of enterprises on the market in 
order to get money—of course, from those who had 
money. They were purchased for a song; but these 
purchases were not many. Tighe, forced by the situation, 
discharged three of his clerks. He cut down his ex- 
penses in every possible way, and used up all his private 
savings to protect his private holdings. He had many 
shares of stock in this, that, and the other sound organi- 
zation; but he had hypothecated them all for loans, 
and these, in many instances, were being called. He