THE FINANCIER 
taining which young married couples so much enjoy was 
begun on a small scale. 
Those who recall the early years of their married life 
can best realize the subtle changes which this new condi- 
tion brought to Frank, for, like all who accept the hymeneal 
yoke, he was influenced to a certain extent by the things 
with which he surrounded himself. Primarily, from cer- 
tain traits of his character, one would have imagined him 
called to be a citizen of eminent respectability and worth. 
He appeared to be an ideal home man. He liked horses 
moderately—the vehicular object of them more than the 
horse itself. He liked a yard, the idea of a home, the 
thought of decorating and arranging it individually. This 
thought of his wife's cottage, and her in it, cheered him 
greatly. She was so nice in it. He delighted to fondle 
her body evenings; and, leaving the crowded down-town 
section where traffic clamored and men hurried in a great 
stress of effort, he would come out through the dusk of 
the evening to this spot where were vines, in season, and a 
charming view of the river spreading wide and gray in dark 
weather, or leaden blue and silver in bright, and feel that 
he was well stationed and physically happy in life. The 
thought of the dinner-table with candles upon it (his 
idea) ; the thought of Lillian in a trailing gown of pale- 
blue or green silk—he liked her in those colors; the 
thought of a big fireplace flaming with solid lengths of 
cord-wood, and Lillian snuggling in his arms, gripped his 
forceful imagination. As has been said before, he cared 
nothing for books; but life, pictures, physical contact, 
trees—these, in spite of his shrewd and already gripping 
financial calculations, held him. To live richly, joyously, 
fulsomely—his whole nature craved that. 
And Mrs. Cowperwood, in spite of the difference in 
their years, appeared to be a fit mate for him at this time. 
She was, once awakened, and for the time being, clinging, 
responsive, dreamy. His mood and hers was for a baby, 
and in a little while that happy expectation was whispered 
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