A Lost Lady (Chap. 1.8) lyrics

Niel met his uncle and Captain Forrester when they alighted from the morning train, and drove over to the house with them. The business on which they had gone to Denver was not referred to until they were sitting with Mrs. Forrester in the front parlour. The windows were open, and the perfume of the mock-orange and of June roses was blowing in from the garden. Captain Forrester introduced the subject, after slowly unfolding his handkerchief and wiping his forehead, and his fleshy neck, around his low collar.

“Maidy,” he said, not looking at her, “I’ve come home a poor man. It took about everything there was to square up. You’ll have this place, unenc*mbered, and my pension; that will be about all. The live-stock will bring in something.”

Niel saw that Mrs. Forrester grew very pale, but she smiled and brought her husband his cigar stand. “Oh, well! I expect we can manage, can’t we?”

“We can just manage. Not much more. I’m afraid Judge Pommeroy considers I acted foolishly.”

“Not at all, Mrs. Forrester,” the Judge exclaimed. “He acted just as I hope I would have done in his place. But I am an unmarried man. There were certain securities, government bonds, which Captain Forrester could have turned over to you, but it would have been at the expense of the depositors.”

“I’ve known men to do that,” said the Captain heavily, “but I never considered they paid their wives a compliment. If Mrs. Forrester is satisfied, I shall never regret my decision.” For the first time his tired, swollen eyes sought his wife’s.

“I never question your decisions in business, Mr. Forrester. I know nothing about such things.”

The Captain put down the cigar he had taken but not lighted, rose with an effort, and walked over to the bay window, where he stood gazing out over his meadows. “The place looks very nice, Maidy,” he said presently. “I see you’ve watered the roses. They need it, this weather. Now, if you’ll excuse me, I’ll lie down for a while. I did not sleep well on the train. Niel and the Judge will stay for lunch.” He opened the door into Mrs. Forrester’s room and closed it behind him.

Judge Pommeroy began to explain to Mrs. Forrester the situation they had faced in Denver. The bank, about which Mrs. Forrester knew nothing but its name, was one which paid good interest on small deposits. The depositors were wage-earners; railroad employes, mechanics, and day labourers, many of whom had at some time worked for Captain Forrester. His was the only well-known name among the bank officers, it was the name which promised security and fair treatment to his old workmen and their friends. The other directors were promising young business men with many irons in the fire. But, the Judge said with evident chagrin, they had refused to come up to the scratch and pay their losses like gentlemen. They claimed that the bank was insolvent, not through unwise investments or mismanagement, but because of a nation-wide financial panic, a shrinking in values that no one could have foreseen. They argued that the fair thing was to share the loss with the depositors; to pay them fifty cents on the dollar, giving long-time notes for twenty-five per cent, settling on a basis of seventy-five per cent.

Captain Forrester had stood firm that not one of the depositors should lose a dollar. The promising young business men had listened to him respectfully, but finally told him they would settle only on their own terms; any additional refunding must be his affair. He sent to the vault for his private steel box, opened it in their presence, and sorted the contents on the table. The government bonds he turned in at once. Judge Pommeroy was sent out to sell the mining stocks and other securities in the open market.

At this part of his narrative the Judge rose and began to pace the floor, twisting the seals on his watch-chain. “That was what a man of honour was bound to do, Mrs. Forrester. With five of the directors backing down, he had either to lose his name or save it. The depositors had put their savings into that bank because Captain Forrester was president. To those men with no capital but their back and their two hands, his name meant safety. As he tried to explain to the directors, those deposits were above price; money saved to buy a home, or to take care of a man in sickness, or to send a boy to school. And those young men, bright fellows, well thought of in the community, sat there and looked down their noses and let your husband strip himself down to pledging his life insurance! There was a crowd in the street outside the bank all day, every day; Poles and Swedes and Mexicans, looking scared to death. A lot of them couldn’t speak English, — seemed like the only English word they knew was ‘Forrester.’ As we went in and out we’d hear the Mexicans saying, ‘Forrester, Forrester.’ It was a torment for me, on your account, Ma’m, to see the Captain strip himself. But, ‘pon my honour, I couldn’t forbid him. As for those white-livered rascals that sat there, — ” the Judge stopped before Mrs. Forrester and ruffled his bushy white hair with both hands, “By God, Madam, I think I’ve lived too long! In my day the difference between a business man and a scoundrel was bigger than the difference between a white man and a n*gger. I wasn’t the right one to go out there as the Captain’s counsel. One of these smooth members of the bar, like Ivy Peters is getting ready to be, might have saved something for you out of the wreck. But I couldn’t use my influence with your husband. To that crowd outside the bank doors his name meant a hundred cents on the dollar, and by God, they got it! I’m proud of him, Ma’m; proud of his acquaintance!”

It was the first time Niel had ever seen Mrs. Forrester flush. A quick pink swept over her face. Her eyes glistened with moisture. “You were quite right, Judge. I wouldn’t for the world have had him do otherwise for me. He would never hold up his head again. You see, I know him.” As she said this she looked at Niel, on the other side of the room, and her glance was like a delicate and very dignified rebuke to some discourtesy, — though he was not conscious of having shown her any.

When their hostess went out to see about lunch, Judge Pommeroy turned to his nephew. “Son, I’m glad you want to be an architect. I can’t see any honourable career for a lawyer, in this new business world that’s coming up. Leave the law to boys like Ivy Peters, and get into some clean profession. I wasn’t the right man to go with Forrester.” He shook his head sadly.