“I don't know how rich he is personally,” said Montague. “I know he is one of the most powerful men in New York. They call him the 'System's' banker.”

“I have heard Mr. Ryder speak of him,” said she.

“Not very favourably, I imagine,” said he, with a smile.

“No,” said she, “they had some kind of a quarrel. What was the matter?”

“I don't know anything about it,” was the answer. “But Ryder is a free lance, and a new man, and Duval works with the big men who don't like to have trespassers about.”

Lucy was silent for a minute; her brows were knit in thought. “Is it really true that Mr. Ryder's position is so unstable? I thought the Gotham Trust Company was one of the largest institutions in the country. What are those huge figures that you see in their advertisements,—seventy millions—eighty millions—what is it?”

“Something like that,” said Montague.

“And is not that true?” she asked.

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“Yes, I guess that's true,” he said. “I don't know anything about Ryder's affairs, you know—I simply hear the gossip. Everyone says he is playing a bold game. You take my advice, and keep your money somewhere else. You have to be doubly careful because you have enemies.”

“Enemies?” asked Lucy, in perplexity.

“Have you forgotten what Waterman said to you?” Montague asked.

“You don't mean to tell me,” cried she, “that you think that Waterman would interfere with Mr. Ryder on my account.”