THE FINANCIER 
West the young financial aspirant who, in spite of youth 
and wealth and a notable vigor of body, was a solemn, 
conservative speculator as to what his future might be. 
The West held much. He had studied the receipts of 
the New York Clearing House recently and the disposi- 
tion of bank-balances and the shipment of gold, and 
seen that vast quantities of the latter metal were going 
to Chicago. He understood finance accurately. The 
meaning of gold shipments was clear. Where money 
was going trade was—a thriving, developing life. He 
wished to see clearly for himself what this world had 
to offer. Two years later, after there had been the 
meteoric appearance of a young speculator in Duluth, 
and after Chicago had seen the tentative opening of 
a grain and commission company labeled Frank A. 
Cowperwood & Co., which ostensibly dealt in the great 
wheat crops of the West, a quiet divorce was granted 
Mrs. Frank A. Cowperwood in Philadelphia, because 
apparently she wished it. Time had not seemingly dealt 
badly with her. Her financial affairs, once so bad, were 
now apparently all straightened out, and she occupied 
in West Philadelphia, near one of her sisters, a new and 
interesting home which was fitted with all the comforts 
of an excellent middle-class residence. Mrs. Frank A. 
Cowperwood was now quite religious once more. The 
two children, Frank and Lillian, were in private schools, 
returning evenings to their mother. "Wash" Sims was 
once more the general negro factotum. Frequent visitors 
on Sundays were Mr. and Mrs. Henry Worthington 
Cowperwood, no longer distressed financially, but sub- 
dued and wearied, the wind completely gone from their 
once much-favored sails. Here, too, came Anna Adelaide 
Cowperwood on occasion, a clerk in the city water office, 
who speculated much as to the strange vicissitudes of 
life. She had great interest in her brother, who seemed 
destined by fate to play a conspicuous part in the world; 
but she could not understand him. Seeing that all those 
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