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uarters。
〃Not this afternoon；〃 she replied； quite wrought up and disturbed。 〃Not to…day。 Another time。 And I must be going now。 But I will see you。〃
〃And this？〃 he asked； picking up the necklace。
〃You keep it until I do come；〃 she replied。 〃I may take it then。〃
She relaxed a little； pleased that she was getting safely away； but her mood was anything but antagonistic； and her spirits were as shredded as wind…whipped clouds。 It was time she wanteda little timethat was all。
Chapter XXXIV
Enter Hosmer Hand
It is needless to say that the solemn rage of Hand； to say nothing of the pathetic anger of Haguenin； coupled with the wrath of Redmond Purdy； who related to all his sad story； and of young MacDonald and his associates of the Chicago General Company； constituted an atmosphere highly charged with possibilities and potent for dramatic results。 The most serious element in this at present was Hosmer Hand； who； being exceedingly wealthy and a director in a number of the principal mercantile and financial institutions of the city； was in a position to do Cowperwood some real financial harm。 Hand had been extremely fond of his young wife。 Being a man of but few experiences with women； it astonished and enraged him that a man like Cowperwood should dare to venture on his preserves in this reckless way； should take his dignity so lightly。 He burned now with a hot； slow fire of revenge。
Those who know anything concerning the financial world and its great adventures know how precious is that reputation for probity； solidarity； and conservatism on which so many of the successful enterprises of the world are based。 If men are not absolutely honest themselves they at least wish for and have faith in the honesty of others。 No set of men know more about each other； garner more carefully all the straws of rumor which may affect the financial and social well being of an individual one way or another； keep a tighter mouth concerning their own affairs and a sharper eye on that of their neighbors。 Cowperwood's credit had hitherto been good because it was known that he had a 〃soft thing〃 in the Chicago street…railway field； that he paid his interest charges promptly； that he had organized the group of men who now； under him； controlled the Chicago Trust Company and the North and West Chicago Street Railways； and that the Lake City Bank； of which Addison was still president； considered his collateral sound。 Nevertheless； even previous to this time there had been a protesting element in the shape of Schryhart； Simms； and others of considerable import in the Douglas Trust； who had lost no chance to say to one and all that Cowperwood was an interloper； and that his course was marked by political and social trickery and chicanery； if not by financial dishonesty。 As a matter of fact； Schryhart； who had once been a director of the Lake City National along with Hand； Arneel； and others； had resigned and withdrawn all his deposits sometime before because he found； as he declared； that Addison was favoring Cowperwood and the Chicago Trust Company with loans； when there was no need of so doingwhen it was not essentially advantageous for the bank so to do。 Both Arneel and Hand； having at this time no personal quarrel with Cowperwood on any score； had considered this protest as biased。 Addison had maintained that the loans were neither unduly large nor out of proportion to the general loans of the bank。 The collateral offered was excellent。 〃I don't want to quarrel with Schryhart；〃 Addison had protested at the time； 〃but I am afraid his charge is unfair。 He is trying to vent a private grudge through the Lake National。 That is not the way nor this the place to do it。〃
Both Hand and Arneel； sober men both； agreed with thisadmiring Addisonand so the case stood。 Schryhart； however； frequently intimated to them both that Cowperwood was merely building up the Chicago Trust Company at the expense of the Lake City National； in order to make the former strong enough to do without any aid； at which time Addison would resign and the Lake City would be allowed to shift for itself。 Hand had never acted on this suggestion but he had thought。
It was not until the incidents relating to Cowperwood and Mrs。 Hand had come to light that things financial and otherwise began to darken up。 Hand； being greatly hurt in his pride； contemplated only severe reprisal。 Meeting Schryhart at a directors' meeting one day not long after his difficulty had come upon him； he remarked：
〃I thought a few years ago； Norman； when you talked to me about this man Cowperwood that you were merely jealousa dissatisfied business rival。 Recently a few things have come to my notice which cause me to think differently。 It is very plain to me now that the man is thoroughly badfrom the crown of his head to the soles of his feet。 It's a pity the city has to endure him。〃
〃So you're just beginning to find that out； are you； Hosmer？〃 answered Schryhart。 〃Well； I'll not say I told you so。 Perhaps you'll agree with me now that the responsible people of Chicago ought to do something about it。〃
Hand； a very heavy； taciturn man； merely looked at him。 〃I'll be ready enough to do；〃 he said； 〃when I see how and what's to be done。〃
A little later Schryhart； meeting Duane Kingsland； learned the true source of Hand's feeling against Cowperwood； and was not slow in transferring this titbit to Merrill； Simms； and others。 Merrill； who； though Cowperwood had refused to extend his La Salle Street tunnel loop about State Street and his store； had hitherto always liked him after a fashionremotely admired his courage and daringwas now appropriately shocked。
〃Why； Anson；〃 observed Schryhart； 〃the man is no good。 He has the heart of a hyena and the friendliness of a scorpion。 You heard how he treated Hand； didn't you？〃
〃No；〃 replied Merrill； 〃I didn't。〃
〃Well； it's this way； so I hear。〃 And Schryhart leaned over and confidentially communicated considerable information into Mr。 Merrill's left ear。
The latter raised his eyebrows。 〃Indeed！〃 he said。
〃And the way he came to meet her；〃 added Schryhart； contemptuously； 〃was this。 He went to Hand originally to borrow two hundred and fifty thousand dollars on West Chicago Street Railway。 Angry？ The word is no name for it。〃
〃You don't say so；〃 commented Merrill； dryly； though privately interested and fascinated； for Mrs。 Hand had always seemed very attractive to him。 〃I don't wonder。〃
He recalled that his own wife had recently insisted on inviting Cowperwood once。
Similarly Hand； meeting Arneel not so long afterward； confided to him that Cowperwood was trying to repudiate a sacred agreement。 Arneel was grieved and surprised。 It was enough for him to know that Hand had been seriously injured。 Between the two of them they now decided to indicate to Addison； as president of the Lake City Bank； that all relations with Cowperwood and the Chicago Trust Company must cease。 The result of this was； not long after； that Addison； very suave and gracious； agreed to give Cowperwood due warning that all his loans would have to be taken care of and then resignedto become； seven months later； president of the Chicago Trust Company。 This desertion created a great stir at the time； astonishing the very men who had suspected that it might come to pass。 The papers were full of it。
〃Well； let him go；〃 observed Arneel to Hand； sourly； on the day that Addison notified the board of directors of the Lake City of his contemplated resignation。 〃If he wants to sever his connection with a bank like this to go with a man like that； it's his own lookout。 He may live to regret it。〃
It so happened that by now another election was pending Chicago； and Hand； along with Schryhart and Arneelwho joined their forces because of his friendship for Handdecided to try to fight Cowperwood through this means。
Hosmer Hand； feeling that he had the burden of a great duty upon him； was not slow in acting。 He was always； when aroused； a determined and able fighter。 Needing an able lieutenant in the impending political conflict； he finally bethought himself of a man who had recently come to figure somewhat conspicuously in Chicago politicsone Patrick Gilgan； the same Patrick Gilgan of Cowperwood's old Hyde Park gas…war days。 Mr。 Gilgan was now a comparatively well…to…do man。 Owing to a genial capacity for mixing with people； a close mouth； and absolutely no understanding of； and consequently no conscience in matters of large public import （in so far as they related to the so…called rights of the mass）； he was a fit individual to succeed politically。 His saloon was the finest in all Wentworth Avenue。 It fairly glittered with the newly introduced incandescent lamp reflected in a perfect world of beveled and faceted mirrors。 His ward； or district； was full of low； rain…beaten cottages crowded together along half…made streets； but Patrick Gilgan was now a state senator； slated for Congress at the next Congressional election； and a possible successor of the Hon。 John J。 McKenty as dictator of the city； if only the Republican party should come into power。 （Hyde Park； before it had been annexed to the city； had always been Republic