In an elegant and lofty bank-parlor there sat in council, on an autumn morning, fourteen millionaires. They reposed in deep arm-chairs, and their venerable faces were filled with profound gravity. Before them, upon a broad mahogany table, were piles of books, sheaves of paper in rubber bands, bundles of quill pens, quires of waste paper for calculations, and a number of huge red-covered folios, containing the tell-tale reports of the mercantile agencies. They had just completed the selections from the list of applicants for discount, and were now in that state of lethargy that commonly follows a great and important act.

The president, with his hands pressed together before him, was looking at the fresco of Commerce upon the ceiling; his ponderous right-hand neighbor was stumbling feebly over an addition that one of the bookkeepers had made upon one of the papers--he hoped to find it wrong; his left-hand neighbor was doubling his under-lip with his stout fingers; an octogenarian beyond had buried his chin in his immense neck, and was going to sleep; another was stupidly blinking at the nearest coal-fire; two more were exchanging gasping whispers; another was wiping his gold spectacles with a white handkerchief, now and then stopping to hold them unsteadily up to the light; and another was fingering the polished lapel of his old black coat, and saying, with asthmatic hoarseness to all who would look at him, "F-o-u-r-teen years! f-o-u-r-teen years!"

A tall regulator-clock, with its mercury pendulum, ticked upon the wall; the noise of the heavy rumbling in the streets was softened into a low monotone, and now and then a bit of coal rattled upon the fender.

The oil-portraits of four former presidents looked thoughtfully down on the scene of their former labors; the polished wainscots reflected ragged pictures of the silent fourteen, and all was perfectly in order and perfectly secure.

Presently, however, there was an end to the stagnation; the white heads began to move and to look around.

The president's eyes came gradually down from the Commerce, and, after travelling over the countenances of his stirring confreres, they settled by accident upon the table before him. There they encountered a white envelope, inscribed "to the President and Honorable Board of Directors--Present."

"Oh gentlemen! gentlemen!" cried the president, seizing the letter, "one moment more, I beg of you. Here's a--a--note--a communication--a--I don't know what it is myself, I'm sure, but"--the thirteen sank back again, feeling somewhat touched that they should be so restrained. The president ran his eye over the missive. He smiled as one does sometimes at the precocity of an infant. "The letter, gentlemen," said he, slipping the paper through his fingers, "is from the paying teller. It is a request for"--here the president delayed as if about making a humorous point--"for a larger salary." Then he dropped his eyes and lowered his head, as he might have done had he confessed that somebody had kissed him. He seemed to be the innocent mouthpiece of a piece of flagrant nonsense.

There was a moment's silence. Then a heavy-voiced gentleman took up a pen and said:

"Is this man's name Dreyfus--or--or what is it?"

"Let me think," returned the president, returning once more to the Commerce; "Dreyfus?--no--not Dreyfus--yes--no. Paying teller--hum--it's curious I can't recall--it commences with an F--FIELDS--yes, Fields! that's his name--Fields, to be sure!"

The questioner at once wrote down the word on the paper.

"This is the second time that he has applied for this favor, is it not?" formally inquired another of the thirteen, in the tone that a judge uses when he asks the clerk, "Has he not been before me on a former occasion?"

"Yes," replied the president, "this is a renewal of an effort made six months ago."

There was a general movement. Several chairs rolled back, and their occupants exchanged querulous glances.

"Suppose we hear the letter read," suggested a fair soul. "Perhaps"--a septuagenarian, with snowy hair and a thin body, clad in the clerical guise of the old school, and who had made a fortune by inventing a hat-block, arose hastily to his feet, and said:

"I cannot stay to listen to a dun!"

A chorus from the majority echoed the exclamation. All but four staggered to their feet, and tottered off in various directions; some to pretend to look out at the window, and some to the wardrobes, where was deposited their outer clothing.

"Clarks," stammered the feeble hatter, feeling vainly for the arm-holes in his great-coat--"clarks presume on their value. Turn 'em out, say I. Give 'em a chance to rotate. You've got my opinion, Mr. President. Refuse what's-his-name, Fields. Tell him he's happy and well off now, without knowing it. Where can be the sleeves to--to this"--his voice expired in his perplexity.

Fields's cause looked blue. One director after another groped to the door, saying, as he went, "I can't encourage it, Mr. President--tell him 'No,' Mr. President--it would only make the rest uneasy if we allowed it--plenty more to fill his place."

The hatter's voice stopped further mention of the subject. He stood at one end of the apartment in a paroxysm of laughter. Tears filled his eyes. He pointed to another director, who, at the other extremity of the room, was also puzzling over a coat. "There's Stuart with my mackintosh! He's trying to put it on--and here am I with his coat trying to put that on. I--I said to myself, 'This is pretty large for a slim man like you.'--Great God, Stuart, if I hadn't been quick-sighted we might have stayed here all night!" He immediately fell into another fit of laughter, and so did his friend. They exchanged coats with great hilarity, and those who had gone out of the door lumbered back to learn the cause of it. The story went round from one to the other, "Why, Stuart had Jacobs's coat, and Jacobs had Stuart's coat!" Everybody went into convulsions, and the president drew out his pocket-handkerchief and shrieked into it.

The board broke up with great good feeling, and Jacobs went away very weak, saying that he was going to tell the joke against Stuart on the street--if he lived to get there.

Three gentlemen remained, professedly to hear Fields's letter read. Two staid because the room was comfortable, and the other because he wanted to have a little private conversation with the president afterward.

Therefore the president wiped away the tears that Stuart's humor had forced from his eyes, and opened the crumpled letter, and, turning his back to the light, read it aloud, while the rest listened with looks of great amusement in their wrinkled faces.

"To the President and Directors of the ---- National Bank.

"GENTLEMEN: I most respectfully renew my application for an increase of my salary to five thousand dollars per annum, it now being four thousand. I am impelled to do this because I am convinced that I am not sufficiently recompensed for the labor I perform; and because other tellers, having the same responsibilities, receive the larger sum per annum; and, lastly, because I am about to be married.

"I remember that your answer to my first application was a definite refusal, and I blamed myself for not having presented the case more clearly to your distinguished notice. Will you permit me to rectify that fault now, and to state briefly why I feel assured that my present claim is not an unreasonable one?

"1. While ten years ago we agreed that three thousand dollars was a fair compensation for the work I was then called upon to perform, and four years later agreed that four thousand dollars was then fair pay for my increased tasks, caused by the increase of your business, is it not just that I should now ask for a still further advance in view of the fact that your business has doubled since the date of our last contract?

"It has been necessary for me to acquaint myself with the signatures and business customs and qualifications of twice the former number of your customers, and my liability to error has also become greater in like ratio. But I have committed no errors, which argues that I have kept up an equal strain of care. This has made demands upon my brain and my bodily strength, which I think should be requited for.

"2. I, like each of you, will one day reach an age when the body and mind will no longer be able to provide for themselves. But between us, should we continue our present relations, there would be this vital difference: You would have made an accumulation of wealth that would be sufficient for your wants, while I would be poor in spite of the fact that I labored with you, and next to yourselves did the most to protect your interests. In view of my approaching incompetence (no matter how far off it is), I am working at a disadvantage. Would it not be right to enable me to protect myself from this disadvantage?

"3. While you pay me a price for my labor and for my skill as an expert, do you compensate me for the trials you put upon my probity? You pay me for what I do, but do you reward me for what I might, but do not do? Is what I do not do a marketable quantity? I think that it is. To prove it, inquire of those whose servants have behaved ill, whether they would not have paid something to have forestalled their dishonesty.

"There is a bad strain to this paragraph, and I will not dwell upon it. I only ask you to remember that enormous sums of money pass through my hands every day, and that the smallest slip of my memory, or of my care, or of my fidelity, might cause you irreparable loss. Familiarity with money and operations in money always tend to lessen the respect for the regard that others hold it in. To resist the subtle influences of this familiarity involves a certain wear and tear of those principles which must be kept intact for your sake.

"I beg you to accept what is my evident meaning, even if my method of setting it forth has not been particularly happy. I have assured myself that my claim is a valid one, and I await your obliging reply with anxiety.

"I remain, very respectfully, "Your obedient servant,

"----FIELDS, Paying Teller."

At the end the president suddenly lowered his head with a smile, and looked over the top of his glasses at his audience, clearly meaning, "There's a letter for you!"

But two of the gentlemen were fast asleep, nodding gently at one another across the table, while their hands clasped the arms of their chairs. The other one was looking up toward the roofs of the buildings opposite, absorbed in speculation.

The president said, aloud:

"I think, as long as Fields has made such a touse about it, that I'd better draft a reply, and not give him a verbal an--"

"Draft!" said the speculator, brought to life by the word. "Draft did you say, sir? What?--On whom?--"

"I said 'draft a reply' to--to this," returned the other, waving the letter.

"Oh, a reply! Draft one. Draft a reply--a reply to the letter about the salary. Oh, certainly, by all means."

"And read it to the directors at the meeting next Friday," suggested the president.

The speculator's eyes turned vacantly upon him, and it was full half a minute before he comprehended. "Yes, yes, of course, read it to the directors next Friday. They'll approve it, you know. That will be regular, and according to rule. But about Steinmeyer, you know. When a man like Steinmeyer does such a thing as--but just come to the window a minute."

He led the president off by the arm, and that was the last of Fields's letter for that day.

       *       *       *       *       *


Fields was truly on the anxious-seat.

As he had said in his letter, he was engaged to be married, and he wanted to be about the consummation of the contract, for he had already delayed too long. His affiancee was a sweet girl who lived with her widowed mother in the country, where they had a fine house, and a fine demesne attached to it. When the time for the marriage was finally settled upon, the lady instantly set about remodelling her domicile and its surroundings, and making it fit for the new spirits that were soon to inhabit it. She drew upon her accumulation of money that had thriven long in a private bank, and expended it in laying out new lawns, planting new trees, building new stables, erecting tasteful graperies and kiosks. This sum was not very large, and it included not only what had been saved out of the earnings of the farm, but also what had been saved out of the income from the widow's property, which consisted of twelve thousand dollars in insurance stock.

Fields had thus far expended nearly all of his salary of four thousand dollars. He was accustomed to use a quarter of it for his own purposes, and the rest he applied to the comfort of his aged parents, whom he maintained. Thus it will be seen that Fields's desire to add to his own wealth had reason to be.

Just at this time there stepped in the Chicago fire. On the second day Fields began to be frightened about the twelve thousand dollars in insurance stock. Telegrams poured into the city by hundreds, and the tale grew more dismal with each hour.

His fears were realized. The widow's money was swept away, and a sort of paralysis fell upon the country-house and all its surroundings. The carpenters went away from the kiosks, the masons from the face-walls, the smiths from the graperies, the gardeners from the lawns, and everything came to a stand-still. The extra farm-hands were discharged, and much of the work was left unfinished.

What was to be done?

The mother and daughter wept in secret. Their careers had been interrupted. Desolation was out-of-doors, and desolation was in their hearts. The earth lay in ragged heaps; beams and timbers leaned half erect; barns were party-colored with the old paint and the new, and the shrubbery was bare to the frosts. Joys which had smiled had fled into the far distance, and now looked surly enough; all pleasures were unhorsed, and hope was down.

It was under these circumstances that Fields wrote a second time to the honorable board of directors to ask them to pay him better wages.

Friday came. There was a meeting, and Fields knew that his case must now be receiving consideration.

At eleven o'clock the directors emerged from their parlor, and passed by his desk in twos and threes, chatting and telling watery jokes, as most great men do.

"They look as if they had entirely forgotten me," said Fields to himself.

Pretty soon the cashier came and placed a letter upon his counter.

"Ah!" thought the teller, "I was mistaken. I wonder if I can read it here without changing countenance?"

He could but try it. He tore off the envelope. It went thus:

"Mr.----Fields, Paying Teller.

"DEAR SIR: The president and directors, to whom you addressed a request for an increase of salary, must beg to criticise the arguments advanced in your polite note.

"They do not understand why you should place a new value upon your honesty because in other people there happens to be sometimes such a thing as dishonesty. It is a popular notion that honesty among men is rare, but the idea is a mistaken one. Honesty of the purest kind, as honesty is usually understood, is very common. They cannot help feeling, also, that you somewhat overestimate the value of your work, which to them seems to be only a higher sort of routine, calling for no intellectual endeavor, and requiring but little more than an ordinary bookkeeper's care for its perfect performance. But for the differences that do exist between your tasks and those of the bookkeeper you will remember you are already compensated by a salary a fourth larger.

"Briefly, they consider their bank a piece of money-making mechanism, of which you are an able and respected part; but they cannot understand how you could hope to raise their fear of peculations and villainies when their system of checks and counter-checks is so perfect. They have never lost a dollar by the immorality of any of their employes, and they are sure that matters are so arranged that any such immorality, even of the rankest kind, could occasion them no inconvenience.

"Nor do they comprehend why your idea that increase of business justifies a request for an increase of salary may not be met with the suggestion that your hours of labor are the same as your former hours, and that all you were able to perform in those hours, to the best of your capacity, was purchased at the beginning of your connection with them.

"In regard to the pure question of the sufficiency of your salary, they hint in the kindest manner that all expenditures are contractible as well as extensible.

"They hasten to take this opportunity to express to you their appreciation of your perfect exhibits; and, complimenting you upon the care with which you have fulfilled the duties of your post, they remain your obedient servants."

The teller felt that a more maddening letter could not have been written. Its civility seemed to him to be disagreeable suavity; its failure to particularize the points he made to be a disgraceful evasion; and the liberty it took in generalizing his case to be an enormous insult.

The very first sentence on honesty put him in the light of a blackmailer--one that threatened mischief if his demands were not complied with. The next sentence went to show that he was an egotist, because he thought his labors required wear and tear of brain. The third called him a sound cog-wheel. The latter part of the same said that a villain could do no evil if he wished to, for they (the directors) had protected themselves against villains. Then it went on to say that the writers did not understand how anxiety and caution could be involved in the pursuit of his duties; and then it was thrown out that his marriage was his seeking--not theirs. Finally, they patted him on the head.

The devil!

Fields passed a sleepless night. He felt that he had been belittled to the extremest point, and that there was not a foothold left for his dignity. His soul was incised and chafed, and he lay awake thinking that degradation of himself and his office could have proceeded no further.

Toward morning he hit upon a plan to establish himself in what he believed to be the proper light. "It will require nerve," reflected he, doubtingly, "and not only nerve in itself, but a certain exact quantity of it. Too much nerve would destroy me, and too little nerve would do the same thing. I think, however, that I can manage it. I feel able to do anything. Even a paying teller will turn if--" etc., etc.

       *       *       *       *       *


On the following Monday there was a special meeting of the directors for the purpose of examining the books and accounts of the bank. The bank-controller was expected to call for an exhibit within the coming week, and it was desirable that the directors should feel assured that their institution was in the proper order. The call of the controller was always impending. It might come any day, and it would require an exhibit of the condition of the bank on any previous day. He was permitted to make five of these calls during the year, and, inasmuch as he was at liberty to choose his own days, his check upon the banks was complete. If he found a bank that had not fulfilled the requirements of law, he was obliged to take away its charter, and to close it: hence the examination-meeting in the present case. The accounts of the tellers were passed upon, the cashier's books were looked over, as were also those of the regular bookkeepers. There seemed to be no errors, and the contents of the safes were proved. There was perfect order in all the departments. The clerks were complimented. "Now," said Fields to himself, "is my opportunity."

On the next day at ten o'clock the directors again assembled--this time for their regular labors--to examine the proposals for discount.

The day happened to be cold and stormy. The twenty clerks were busily and silently at work behind their counters and gratings, and the fourteen directors were shut tight in their mahogany room. There was but little passing to and fro from the street, though now and then a half-frozen messenger came stamping in, and did his errand, with benumbed fingers, through the little windows. The tempest made business light.

At eleven o'clock Fields wrote a note and sent it to the directors' room. The boy who carried it knocked softly, and the president appeared, took the letter, and then closed the door again.

Then there was a moment of almost total silence; the clerks wrote, the leaves rattled, and it seemed as if it were an instant before an expected explosion.

Presently an explosion came. The clerks heard with astonishment a tumult in the directors' room--exclamations, hurried questions, the hasty rolling of chairs on their casters, and then the sound of feet.

The door was hastily drawn open, and those who were near could see that nearly all the directors were clustered around it, straining their eyes to look at the paying teller. Most of them were pale and they called, in one voice, "Come here!" "Come in here at once!" "Fields!" "Mr. Fields!" "Sir, you are wanted!" "Step this way instantly!" Fields put down his pen, opened the tall iron gate which separated him from the counters, and walked rather quickly toward the den of lions. An opening was made for him in the group, and he passed through the door, and it was shut once more.

He walked across the room to the fireplace. He took out his handkerchief, and, seizing a corner between a thumb and forefinger, slowly shook it open, and then turned around.

"This note, sir! What does it mean?" cried the president, advancing upon him, waving the paper in his trembling hand.

"Have you read it?" demanded Fields, in a loud voice.

"Yes," said the president. He was astonished at Fields's manner. He cast a glance upon his fellow-directors.

"Then what is the use of asking me what I mean? It is as plain as I can make it."

"But it says--but it says," faltered the venerable gentleman, turning the paper to the light, "that you have only money enough to last until twelve o'clock. Your statement yesterday showed a balance to your credit of three hundred and fifty-two thousand dollars. That will last at least--"

"But I have not got three hundred and seventy-seven thousand dollars. I have only got twenty-seven thousand dollars!"

"But we counted three hundred and seventy-seven thousand dollars."



"Yesterday--yes. But not this morning."

"Great God!" cried Stuart, thrusting himself forward, "what!--" He fixed his feeble eyes upon Fields, but could speak no further. His arms fell down by his sides, and he began to tremble. He did not have sufficient courage to ask the question. Somebody else did.

"What has become of it?"

"That I shall not tell you!" returned Fields, looking defiantly at one director after another.

"But is it gone?" cried the chorus. Many of the faces that confronted Fields had become waxen. The little group was permeated with a tremor.

"Yes, it is gone; I have taken it."

"You have taken it!" "You have taken it!" "You have taken it!"

The directors, overwhelmed and confounded, retreated from Fields as if they were in personal danger from him.

"In Heaven's name, Fields!" exclaimed the president, "speak out! Tell us! What!--where!--the money! Come, man!"

"You had better lock the door," said the teller; "some one will be coming in."

One of the most feeble and aged of the board turned around and hastened, as fast as his infirm limbs would permit him, and threw the bolt with feverish haste, and then ran back again to hear.

"Yes," said Fields, with deliberation, "I have taken the money. I have carried it away and hidden it where no one can lay hands upon it but myself."

"Then--then, sir, you have stolen it!"

Fields bowed. "I have stolen it."

"But you have ruined us!"


"And you have ruined yourself!"

"I am not so sure of that."

"Stop this useless talk!" cried a gentleman, who had heretofore been silent. He bent upon Fields a look of great dignity. "Make it clear, sir, what you have done."

"Certainly. When I left the bank last night I put into my pockets one hundred and fifty thousand dollars in greenbacks of the one-thousand-dollar denomination, one hundred thousand dollars in national-currency notes of the one-hundred-dollar denomination, and one hundred thousand dollars in gold certificates. I left to the credit of my account twenty-seven thousand eight hundred and sixty-two dollars and some odd cents. Eight thousand of these have been already drawn this morning. It is not unlikely that the whole of what is left may be drawn within the next five minutes, and the next draft upon you will find you insolvent. If the balance is against you at the clearing-house, you will undoubtedly be obliged to stop payment before one o'clock."

Fields's interlocutor turned sharply around and sank into his seat. At this three of the young members of the board--Slavin, a wool-dealer, Debritt, a silk importer, and Saville, an insurance actuary--made a violent onslaught upon the teller, but others interposed.

What was to be said? What was to be done? Somebody cried for a policeman, and would have thrown up a window and called into the street. But the act was prevented. It was denounced as childish. After a moment, everybody but Fields had seated himself in his accustomed place, overcome with agitation. Those who could see devoured the teller with their eyes. Two others wept with puerile fear and anger. They began to realize the plight they were in. It began to dawn upon them that an immense disaster was hanging over their heads. How were they to escape from it? Which way were they to turn to find relief? It was no time for brawling and denunciation; they were in the hands of an unscrupulous man, who, at this crucial moment, was as cool and implacable as an iceberg. They watched him carelessly draw and redraw his handkerchief through his fingers; he was unmoved, and entirely at ease.

"Can it be possible!" said a tall and aged director, rising from his chair and bending upon the culprit a look of great impressiveness--"can it be possible that it is our upright and stainless clerk who confesses to such a stupendous villainy as this? Can it be that one who has earned so much true esteem from his fellow-men thus turns upon them and--"

"Yes, yes, yes!" replied Fields, impatiently, "that is all true; but it is all sentiment. Let us descend to business. I know the extent of my wickedness better than you do. I have taken for my own use from your bank. I have robbed you of between a quarter and a half million of dollars. I am a pure robber. That is the worst you can say of me. The worst you can do with me is to throw me into prison for ten years. By the National Currency Act of 1865, section 55, you will see that for this offence against you I may be incarcerated from five to ten years--not more than ten. If you imprison me for ten years, you do your worst. During those ten years I shall have ample time to perfect myself in at least three languages, and to read extensively, and I shall leave the jail at forty-five a polished and learned man, in the prime of life, and possessed of enormous wealth. There will be no pleasure that I cannot purchase. I shall become a good-natured cynic; I shall freely admit that I have disturbed the ordinary relations of labor and compensation, but I shall so treat the matter that I shall become the subject of a semi-admiration that will relieve me from social ostracism. I have carefully reviewed the ground. I shall go to jail, pass through my trial, receive my sentence, put on my prisoner's suit, begin my daily tasks, and all with as much equanimity as I possess at present. There will be no contrition and no shame. Do not hope to recover a dollar of your money. I have been careful to secrete it so that the most ingenious detectives and the largest rewards will not be able to obtain a hint of its whereabouts. It is entirely beyond your reach."

Fields was now an entire master of the situation. The board was filled with consternation; its members conferred together in frightened whispers.

"But," pursued Fields, "do you properly understand your situation? My desk is virtually without money. My assistant at this instant may discover that he has not sufficient funds to pay the check he has in his hand. In a moment more the street may be in possession of the facts. Besides the present danger, have you forgotten the controller?" Nothing more could now add to the alarm that filled the room.

"What shall we do, Fields? We cannot go under; we cannot--"

"I will tell you."

The room became silent again. All leaned forward to listen. Some placed their hands behind their ears.

"I do not think that the drafts upon us to-day will amount to eighty thousand dollars. You might draw that sum from the receiving teller, but that would occasion remark. I advise you to draw from your private accounts elsewhere one hundred thousand dollars, and quietly place it upon my counter. I would do it without an instant's delay."

"But what guarantee have we that you will not appropriate that also?"

"I give you my word," replied Fields, with a smile.

"And to what end do you advise us to keep the bank intact?"

"That we may have time to arrange terms."

"Terms--for what?"

"For a compromise."


Here was a patch of blue sky--a glimpse of the sun. Fields was not insensible to moderation, after all.

"What do you propose?" eagerly demanded three voices.

"I think you had first better insure yourselves against suspension," was the reply.

In ten minutes one of the directors hurriedly departed, with five checks in his wallet. These were the contributions of his fellows. The president passed out to see how matters stood at the paying teller's desk. No more drafts had been presented, and the nineteen thousand dollars were still undisturbed. He returned reassured. He locked the door again.

"Now, sir," said he to the paying teller, "let us go on."

"Very well," was the reply. "I think you all perceive by this time the true position of affairs. I possess three hundred and fifty thousand dollars, and your bank has lost that sum. I have detailed the benefits which will accrue to me, and the trouble which will in all likelihood accrue to you. It will be unpleasant for you to throw your selves upon the mercies of your stockholders. Stockholders are hard-hearted people. Each one of you will, in case this matter is discovered, find his financial credit and his reputation for sagacity much impaired; and, besides this, there will be incurred the dangers of a 'run' upon you, to say nothing of the actual loss to the institution, which will have to be made good to the last dollar. But let us see if we cannot do better. Notwithstanding the fact that I have fully made up my mind to go to prison, I cannot deny that not to go to prison would be an advantage. Therefore, if you will promise me immunity from prosecution, I will return to you to-morrow morning a quarter of a million dollars. I ask you to give me a reply within five minutes. The proposition is a bare one, and is sufficiently plain. I shall require your faith as directors and individuals, and in return I will give my pledge, as a robber of the highest grade--a bond which perhaps is as good as any that can be made under the circumstances."

The directors no sooner saw that it lay within their power to regain five-sevenths of their money than they began, almost with one voice, threaten Fields with punishment if he did not return the whole.

"Gentlemen," cried the paying teller, interrupting their exclamations, "I must impose one more condition. It is that you do not mention this affair again--that you keep the whole matter secret, and not permit it to be known beyond this apartment that I have had any other than the most agreeable relations with you. All that is imperative. There remain but two more minutes. The president will signify to me your decision."

The time elapsed. Fields put his watch into his pocket.

"Well, sir?" said he.

"We accept the terms," replied the president, bowing stiffly.

Fields also bowed. A silence ensued. Presently a director said to Fields:

"May I ask you what led you to this step?"

"Sir," replied the teller, with severity, "you are encroaching upon our contract. I may speak of this affair, but you have no right to."

Then he turned to the board:

"Do you wish me to go back to my work?"

There was a consultation. Then the president said:

"If you will be so kind."

Fields complied.

The business of the day went forward as usual. The teller's counter-desk was supplied with money, and no suspicion was aroused among his fellows.

As each director went out of the bank, he stopped at Fields's window, and addressed some set remark to him upon business matters; and so intimate did the relations between them seem that the clerks concluded that the lucky man was about to be made cashier, and they began to pay him more respect.

In the intervening night there again recurred to the directors the enormity of the outrage to which they had been subjected. The incident of recovering so large a part of what they had originally supposed was gone had the effect of making them partially unmindful of the loss of the smaller sum which the teller finally agreed to accept in place of punishment. But in the lapse between the time of the robbery and the time of the promised restitution, their appreciation of their position had time to revive again, and when they assembled on the next morning to receive the money from Fields, they were anxious and feverish.

Would he come? Was he not at this moment in Canada? Would a man who could steal one hundred thousand dollars return a quarter of a million? Absurd!

Every moment one of them went to the door to see if Fields had appeared. The rest walked about, with their hands behind them, talking together incoherently. The air was full of doubts. The teller usually came at a quarter past nine, but the hour arrived without the man. Intolerable suspense!

Two or three of the directors made paths for themselves amid the chairs, and anxiously traversed them. Slavin took a post beside a window and gazed into the street. Debritt, with his right hand in his bosom, and with his left grasping the upper rail of a seat, looked fixedly into the coals. Stuart sipped at a goblet of water, but his trembling hand caused him to spill its contents upon the floor. No one now ventured to speak except in a whisper; it seemed that a word or a loud noise must disturb the poise of matters. The clock ticked, the blue flames murmured in the grate, and the pellets of sand thrown up by the wind rattled against the windows.

But yet there were no signs of the paying teller.

Was it possible that this immense sum of money was gone? Could it be true that they must report this terrible thing to the world? Had they permitted themselves to become the lieutenants to a wily scoundrel? Were they thus waiting silent and inactive while he was being borne away at the speed of the wind, out of their reach?

All at once Fields came in at the door.

He was met with a gladness that was only too perceptible. Every gentleman emitted a sigh of relief, and half started, as if to take the delinquent by the hand.

Fields had expected this. He was shrewd enough to act before the feeling had evaporated.

He advanced to the table. The directors hastened like schoolboys to take their accustomed places. They bent upon the teller's face the most anxious looks.

"Gentlemen," said he, "I believe that you fully understand that I return this large sum of money to you at my own option. You recognize the fact that most men would endure, for instance, an imprisonment of ten years rather than lose the control of a quarter of a million of dollars."

The directors hastened to signify "Yes!"

"But," continued Fields, taking several large envelopes from his inner pockets, "I shall be content with less. There is the sum I mentioned."

The directors fell upon the packages and counted their contents. The table was strewed with money. Fields contemplated the scene with curiosity. Presently it was announced that the sum was complete.

"Now, gentlemen," said Fields, "you have suffered loss. I have a hundred thousand dollars which I have forced you to present me with. That is a large sum, though to us who are so familiar with millions it seems small, almost insignificant; but, in reality, it has a great importance. You now see, my friends, what a part of your money-making mechanism may achieve. There is no bank, even of third-rate importance, in this city, whose receiving teller or paying teller may not do exactly as I have done. On any day, at any hour, they may load themselves with valuables and go away. You, and all directors, depend servilely upon the pure honesty of your clerks. You can erect no barrier, no guard, no defence, that will protect you from the results of decayed principle in them. They are deeply involved in dangerous elements. Ease, luxury, life-long immunity from toil, wait upon their resolution to do ill. This resolution may be the determination of an instant, or the result of long-continued sophistical reasoning. You cannot detect the approach to such a resolve in your servant, and he, perhaps, can hardly detect it in himself. But one day it is complete: he acts upon it. You are bereft of your property; he flees, and there is the nine days' stir, and all is over. Your greatest surety lies in your appreciation of your danger. I have proved to you what that danger consists of; you did not know before. Your best means of defence is to respect, to the fullest extent, the people upon whom you depend. They are worthy of it. An instant's reflection will show you that neither of you would be proof against a strong temptation. For the sake of recovering a sum of money you have compounded with felony. All of you are at this moment in breach of the law. You have submitted without a struggle to the dominant impulse. The principle of exact honor which you demand in me does not exist in yourselves. But let us end this disagreeable scene. Perhaps I have demonstrated something that you never realized. I hope you understand. I now surrender to you the one hundred thousand dollars, which you thought I had stolen. I had no intention of keeping it; I only pretended to take it in order to impress you with my ideas."

Every director arose to his feet in haste. Fields placed another packet upon the table, and, in face of the astonished board, left the apartment.

An hour afterward he was again summoned to the parlor. He advanced to his old position at the end of the table. It was clear that the temper of the assembly was favorable to him.

"Mr. Fields," said the president, "your attack upon us was singular and rapid, and I think it has made the mark that you intended it should. Your mode of convincing us was, one might say, dramatic; and, though I believe you might have attained your object in another way, we acknowledge that your letter had but little effect. We now wish to provide for you as you claim, and as you deserve. But we cannot look upon you with quietude. It is almost impossible to see you without shuddering. We must place you elsewhere. If you remained here, you would always be in close proximity to a quarter of a million dollars."

"But you believe in my integrity?"


"You understand my motives?"


"And you acknowledge them to be just?"

"Unqualifiedly just."


"But you personify a terrible threat. You are an exponent of a great danger, and you could not ask us to live with one who showed that he held a sword above our heads. That would be impossible. We therefore offer you the position of actuary in the ---- Life. Mr. Stuart is about to resign it, and at our request he has consented to procure you the chair. Your salary will be thrice that you now receive. Do you accept?"

"Without an instant's hesitation," replied Fields.

He then shook hands with each director, and they separated excellent friends.

       *       *       *       *       *

Fields winged his way to the farm in the country, and told the news. That is, he told the best of it. He told the actual news after hours, when there was but one to tell it to.

There was a shriek.

"Oh, if they had!"

"Had what--Sun and Moon!"

"Why, sent you to prison."

"Well, we should have had to wait ten years, that's all. After that, we should have been worth, with interest added to the capital, five hundred and sixty thousand dollars."

"Sir! Can you suppose that I would ever marry a robber, a wretched robber?"

"Never! But it is different where one robs for the sake of principle."

"Y--yes, that is true; I forgot that. I think that principle is a great thing. Don't you?"

"Exceedingly great."

In the spring the face-walls and the lawns and the kiosks went forward according to the original design, and the actuary frequently brought his city friends, directors and all, down to look at them.