and women did st>parate. Some men and some women 
ran away. Others fought terribly. There were storms 
of ill-feeling and brutality reported. He knew of a num- 
ber of cases where the husband and wife were permanently 
separated. His own father and mother got along nicely; 
but his mother was of a quiet, peaceful, sympathetic, and 
religious temperament, and his father was cautious. 
They quarreled now and then. There were little strains 
of feeling over trivial things. Unquestionably both 
harbored regrets of various kinds. Nearly every one 
did. He had no regrets as yet, but he might have. The 
saddest thing to him was to see the defeated man—the 
man who had failed because he could not think quick 
enough. He wanted to make himself so secure finan- 
cially that even lack of quick thinking later on would 
not subject him to distress and regret. 
As may be imagined, the family was greatly disturbed at 
the announcement of his coming marriage to Mrs. Sem- 
ple. She was too old, his mother and father thought; 
and then Frank could have done so much better with 
his prospects. Young Anna fancied that Mrs. Semple 
was designing, which was, of course, not true at all. His 
brothers, Joseph and Edward, were interested, but not 
certain as to what they actually thought, seeing that 
Mrs. Semple was good-looking and had some money. 
Frank seemed to know what he was about, but could 
have done better if he had waited, of course. His friends 
and the family's friends were surprised when told; but 
young Cowperwood was getting along, and, from a worldly 
point of view, it was all right. Mrs. Semple had a right 
to remarry after two years, if she wished. There was no 
moral or ethical law binding a woman so young to single 
The time drifted by, and meanwhile Frank, who had 
resigned his position with Tighe & Co.,, had opened 
a little note - broker's office at No. 64 South Third 
Street, He had various excellent connections which