THE FINANCIER 
could see, force governed this world—hard, cold force and 
quickness of brain. If one had force, plenty of it, quick- 
ness of wit and subtlety, there was no need for anything 
else.. Some people might be pretending to be guided 
by other principles—ethical and religious, for instance; 
they might actually be so guided—he could not tell. If 
they were, they were following false or silly standards. In 
those directions lay failure. To get what you could and 
hold it fast, without being too cruel, certainly not to 
individuals—that was the thing to do, and he genially 
ignored or secretly pitied those who believed otherwise. 
It is not possible to say how a boy of twenty-one should 
come by such subtle thoughts; but he had. Religion 
was nothing to him—a lot of visionary speculations which 
had no basis in fact. Why should people get excited 
about religion? He smiled at hearing his father tell 
how only a few years before a regulation of the city 
council had permitted the fastening of chains across the 
streets in front of churches in Philadelphia, in order to 
prevent traffic from annoying the worshipers. And 
even now there was a terrific agitation against any in- 
fraction of the Sunday quiet and rest. For instance, 
they would not allow the new street-car lines to run on 
Sunday. Religious people struck him as being caught 
by some emotion or illusion which had no relation to 
life, and his thought was not to rebel, but to get some 
method of ignoring or humoring them without suffering 
for it. 
"Go through the motions," he said to his brother 
Joseph, one day when the latter was complaining of the 
necessity of going to hear a dry sermon. " It won't hurt 
you. Father has a business to look after." 
But he would not even do that himself. He preferred 
to substitute the reality for the seeming. When he was 
better acquainted with Mr. Rivers, and could call on him 
on Sunday morning to talk things over, he did that, say- 
ing that he was going to church with Miss Emily Rivers,