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from the Chicago Central； but what else has he？〃
〃Well； there's the two hundred thousand he owes the Prairie National；〃 piped up Schrybart； promptly。 〃From time to time I've heard of several other sums that escape my mind just now。〃
Mr。 Merrill； a diplomatic mouse of a mangray； Parisian； dandified was twisting in his large chair； surveying the others with shrewd though somewhat propitiatory eyes。 In spite of his old grudge against Cowperwood because of the latter's refusal to favor him in the matter of running street…car lines past his store； he had always been interested in the man as a spectacle。 He really disliked the thought of plotting to injure Cowperwood。 Just the same； he felt it incumbent to play his part in such a council as this。 〃My financial agent； Mr。 Hill； loaned him several hundred thousand not long ago；〃 he volunteered； a little doubtfully。 〃I presume he has many other outstanding obligations。〃
Mr。 Hand stirred irritably。
〃Well； he's owing the Third National and the Lake City as much if not more；〃 he commented。 〃I know where there are five hundred thousand dollars of his loans that haven't been mentioned here。 Colonel Ballinger has two hundred thousand。 He must owe Anthony Ewer all of that。 He owes the Drovers and Traders all of one hundred and fifty thousand。〃
On the basis of these suggestions Arneel made a mental calculation； and found that Cowperwood was indebted apparently to the tune of about three million dollars on call； if not more。
〃I haven't all the facts；〃 he said； at last； slowly and distinctly。 〃If we could talk with some of the presidents of our banks to…night； we should probably find that there are other items of which we do not know。 I do not like to be severe on any one； but our own situation is serious。 Unless something is done to…night Hull & Stackpole will certainly fail in the morning。 We are； of course； obligated to the various banks for our loans； and we are in honor bound to do all we can for them。 The good name of Chicago and its rank as a banking center is to a certain extent involved。 As I have already told Mr。 Stackpole and Mr。 Hull； I personally have gone as far as I can in this matter。 I suppose it is the same with each of you。 The only other resources we have under the circumstances are the banks； and they； as I understand it； are pretty much involved with stock on hypothecation。 I know at least that this is true of the Lake City and the Douglas Trust。〃
〃It's true of nearly all of them；〃 said Hand。 Both Schryhart and Merrill nodded assent。
〃We are not obligated to Mr。 Cowperwood for anything so far as I know；〃 continued Mr。 Arneel； after a slight but somewhat portentous pause。 〃As Mr。 Schryhart has suggested here to…day； he seems to have a tendency to interfere and disturb on every occasion。 Apparently he stands obligated to the various banks in the sums we have mentioned。 Why shouldn't his loans be called？ It would help strengthen the local banks； and possibly permit them to aid in meeting this situation for us。 While he might be in a position to retaliate； I doubt it。〃
Mr。 Arneel had no personal opposition to Cowperwoodnone； at least； of a deep…seated character。 At the same time Hand； Merrill； and Schryhart were his friends。 In him； they felt； centered the financial leadership of the city。 The rise of Cowperwood； his Napoleonic airs； threatened this。 As Mr。 Arneel talked he never raised his eyes from the desk where he was sitting。 He merely drummed solemnly on the surface with his fingers。 The others contemplated him a little tensely； catching quite clearly the drift of his proposal。
〃An excellent ideaexcellent！〃 exclaimed Schryhart。 〃I will join in any programme that looks to the elimination of this man。 The present situation may be just what is needed to accomplish this。 Anyhow； it may help to solve our difficulty。 If so； it will certainly be a case of good coming out of evil。〃
〃I see no reason why these loans should not be called；〃 Hand commented。 〃I'm willing to meet the situation on that basis。〃
〃And I have no particular objection；〃 said Merrill。 〃I think； however； it would be only fair to give as much notice as possible of any decision we may reach；〃 he added。
〃Why not send for the various bankers now；〃 suggested Schryhart； 〃and find out exactly where he stands； and how much it will take to carry Hull & Stackpole？ Then we can inform Mr。 Cowperwood of what we propose to do。〃
To this proposition Mr。 Hand nodded an assent； at the same time consulting a large； heavily engraved gold watch of the most ponderous and inartistic design。 〃I think；〃 he said； 〃that we have found the solution to this situation at last。 I suggest that we get Candish and Kramer； of the stock…exchange〃 （he was referring to the president and secretary； respectively； of that organization）； 〃and Simmons； of the Douglas Trust。 We should soon be able to tell what we can do。〃
The library of Mr。 Arneel's home was fixed upon as the most suitable rendezvous。 Telephones were forthwith set ringing and messengers and telegrams despatched in order that the subsidiary financial luminaries and the watch…dogs of the various local treasuries might come and； as it were； put their seal on this secret decision； which it was obviously presumed no minor official or luminary would have the temerity to gainsay。
Chapter XLIX
Mount Olympus
By eight o'clock； at which hour the conference was set； the principal financial personages of Chicago were truly in a great turmoil。 Messrs。 Hand； Schryhart； Merrill； and Arneel were personally interested！ What would you？ As early as seven…thirty there was a pattering of horses' hoofs and a jingle of harness； as splendid open carriages were drawn up in front of various exclusive mansions and a bank president； or a director at least； issued forth at the call of one of the big quadrumvirate to journey to the home of Mr。 Arneel。 Such interesting figures as Samuel Blackman； once president of the old Chicago Gas Company； and now a director of the Prairie National； Hudson Baker； once president of the West Chicago Gas Company； and now a director of the Chicago Central National； Ormonde Ricketts； publisher of the Chronicle and director of the Third National； Norrie Simms； president of the Douglas Trust Company； Walter Rysam Cotton； once an active wholesale coffee…broker； but now a director principally of various institutions； were all en route。 It was a procession of solemn； superior； thoughtful gentlemen； and all desirous of giving the right appearance and of making the correct impression。 For； be it known； of all men none are so proud or vainglorious over the minor trappings of materialism as those who have but newly achieved them。 It is so essential apparently to fulfil in manner and air； if not in fact； the principle of 〃presence〃 which befits the role of conservator of society and leader of wealth。 Every one of those named and many moreto the number of thirtyrode thus loftily forth in the hot； dry evening air and were soon at the door of the large and comfortable home of Mr。 Timothy Arneel。
That important personage was not as yet present to receive his guests； and neither were Messrs。 Schryhart； Hand； nor Merrill。 It would not be fitting for such eminent potentates to receive their underlings in person on such an occasion。 At the hour appointed these four were still in their respective offices； perfecting separately the details of the plan upon which they had agreed and which； with a show of informality and of momentary inspiration； they would later present。 For the time being their guests had to make the best of their absence。 Drinks and liquors were served； but these were of small comfort。 A rack provided for straw hats was for some reason not used； every one preferring to retain his own head…gear。 Against the background of wood panneling and the chairs covered with summer linen the company presented a galleryesque variety and interest。 Messrs。 Hull and Stackpole； the corpses or victims over which this serious gathering were about to sit in state； were not actually present within the room； though they were within call in another part of the house； where； if necessary； they could be reached and their advice or explanations heard。 This presumably brilliant assemblage of the financial weight and intelligence of the city appeared as solemn as owls under the pressure of a rumored impending financial crisis。 Before Arneel's appearance there was a perfect buzz of minor financial gossip； such as：
〃You don't say？〃
〃Is it as serious as that ？〃
〃I knew things were pretty shaky； but I was by no means certain how shaky。〃
〃Fortunately； we are not carrying much of that stock。〃 （This from one of the few really happy bankers。）
〃This is a rather serious occasion； isn't it？〃
〃You don't tell me！〃
〃Dear； dear！〃
Never a word in criticism from any source of either Hand or Schryhart or Arneel or Merrill； though the fact that they were back of the pool was well known。 Somehow they were looked upon as benefactors who were calling this conference with a view of saving others from disaster rather than for the purpose of assisting themselves。 Such phrases as； 〃Oh； Mr。 Hand！ Marvelous man！ Ma