INTRODUCTION

Between the former site of old Fort Dearborn and the present site

of our newest Board of Trade there lies a restricted yet tumultuous

territory through which, during the course of the last fifty years, the

rushing streams of commerce have worn many a deep and rugged chasm.

These great canons--conduits, in fact, for the leaping volume of an

ever-increasing prosperity--cross each other with a sort of systematic

rectangularity, and in deference to the practical directness of local

requirements they are in general called simply--streets. Each of these

canons is closed in by a long frontage of towering cliffs, and these

soaring walls of brick and limestone and granite rise higher and higher

with each succeeding year, according as the work of erosion at their

bases goes onward--the work of that seething flood of carts, carriages,

omnibuses, cabs, cars, messengers, shoppers, clerks, and capitalists,

which surges with increasing violence for every passing day. This

erosion, proceeding with a sort of fateful regularity, has come to be

a matter of constant and growing interest. Means have been found to

measure its progress--just as a scale has been arranged to measure the

rising of the Nile or to gauge the draught of an ocean liner. In this

case the unit of measurement is called the "story." Ten years ago the

most rushing and irrepressible of the torrents which devastate Chicago

had not worn its bed to a greater depth than that indicated seven of

these "stories." This depth has since increased to eight--to ten--to

fourteen--to sixteen, until some of the leading avenues of activity

promise soon to become little more than mere obscure trails half lost

between the bases of perpendicular precipices.

High above this architectural upheaval rise yet other structures in

crag-like isolation. El Capitan is duplicated time and again both in

bulk and in stature, and around him the floating spray of the Bridal

Veil is woven by the breezes of lake and prairie from the warp of

soot-flakes and the woof of damp-drenched smoke.

The explorer who has climbed to the shoulder of one of these great

captains and has found one of the thinnest folds in the veil may

readily make out the nature of the surrounding country. The rugged

and erratic plateau of the Bad Lands lies before him in all its

hideousness and impracticability. It is a wild tract full of sudden

falls, unexpected rises, precipitous dislocations. The high and the

low are met together. The big and the little alternate in a rapid and

illogical succession. Its perilous trails are followed successfully

by but few--by a lineman, perhaps, who is balanced on a cornice, by

a roofer astride some dizzy gable, by a youth here and there whose

early apprehension of the main chance and the multiplication table has

stood him in good stead. This country is a treeless country--if we

overlook the "forest of chimneys" comprised in a bird's-eye view of

any great city, and if we are unable to detect any botanical analogies

in the lofty articulated iron funnels whose ramifying cables reach

out wherever they can, to fasten wherever they may. It is a shrubless

country--if we give no heed to the gnarled carpentry of the awkward

frame-works which carry the telegraph, and which are set askew on

such dizzy corners as the course of the wires may compel. It is an

arid country--if we overlook the numberless tanks that squat on the

high angles of alley walls, or if we fail to see the little pools of

tar and gravel that ooze and shimmer in the summer sun on the roofs

of old-fashioned buildings of the humbler sort. It is an airless

country--if by air we mean the mere combination of oxygen and nitrogen

which is commonly indicated by that name. For here the medium of

sight, sound, light, and life becomes largely carbonaceous, and the

remoter peaks of this mighty yet unprepossessing landscape loom up

grandly, but vaguely, through swathing mists of coal-smoke.

From such conditions as these--along with the Tacoma, the Monadnock,

and a great host of other modern monsters--towers the Clifton. From

the beer-hall in its basement to the barber-shop just under its

roof the Clifton stands full eighteen stories tall. Its hundreds of

windows glitter with multitudinous letterings in gold and in silver,

and on summer afternoons its awnings flutter score on score in the

tepid breezes that sometimes come up from Indiana. Four ladder-like

constructions which rise skyward stage by stage promote the agility of

the clambering hordes that swarm within it, and ten elevators--devices

unknown to the real, aboriginal inhabitants--ameliorate the daily

cliff-climbing for the frail of physique and the pressed for time.

The tribe inhabiting the Clifton is large and rather heterogeneous.

All told, it numbers about four thousand souls. It includes bankers,

capitalists, lawyers, "promoters"; brokers in bonds, stocks, pork,

oil, mortgages; real-estate people and railroad people and insurance

people--life, fire, marine, accident; a host of principals, agents,

middlemen, clerks, cashiers, stenographers, and errand-boys; and the

necessary force of engineers, janitors, scrub-women, and elevator-hands.

All these thousands gather daily around their own great camp-fire. This

fire heats the four big boilers under the pavement of the court which

lies just behind, and it sends aloft a vast plume of smoke to mingle

with those of other like communities that are settled round about.

These same thousands may also gather--in instalments--at their tribal

feast, for the Clifton has its own lunch-counter just off one corner of

the grand court, as well as a restaurant several floors higher up. The

members of the tribe may also smoke the pipe of peace among themselves

whenever so minded, for the Clifton has its own cigar-stand just within

the principal entrance. Newspapers and periodicals, too, are sold at

the same place. The warriors may also communicate their messages,

hostile or friendly, to chiefs more or less remote; for there is a

telegraph office in the corridor and a squad of messenger-boys in wait

close by.

In a word, the Clifton aims to be complete within itself, and it will

be unnecessary for us to go afield either far or frequently during

the present simple succession of brief episodes in the lives of the

Cliff-dwellers.

I

On the tenth floor of the Clifton is the office of the Massachusetts

Brass Company.

Those whose minds are attuned to an appreciation of upholstery

and kindred matters pronounce this little suite the gem of the

whole establishment. Even many who are not adepts in the matter of

house-furnishing, and who are much too rushed and preoccupied to become

such, have been known to pause in their course through the Clifton's

long corridors, on occasions when the ribbed glass door of the Brass

Company happened to be standing ajar, and to say to themselves, with

certain home offices in mind,

"Now, why can't our people do as much for _us_?"

Indeed, there is cause enough for envy in that small square of velvety

Axminster, in the harmonious tinting of the walls, in the padded

leather backs of the swivel chairs, in the polished brightness of

the cherry desk-tops, in the fresh blotting-pads and the immaculate

inkstands. To sit in this pleasant little apartment for half an hour is

to receive quite a new impression of the possible luxury of business,

the ultimate elegance of trade. This may be managed as easily as

not if you happen to have any dealings with "D. Walworth Floyd,

Agt."--according to the legend on the translucent pane of the door--who

is quite unlikely to hurry you out before you have finished.

"Don't be in such a drive," he will perhaps say to you; "stay and smoke

a cigar."

For business is not too exacting a consideration with the western

branch of the Massachusetts Brass Company. It is less a hive of

industry than a social exchange. The hours are easy, and the habitues

are as frequently callers as customers. They are often Jacks or Toms,

whose fathers are social pillars in Boston and large land-owners in

Wyoming and Dakota, and Jack and Tom--birds of passage in Scotch

cheviots and billycock hats--are given to alighting for a brief

breathing-spell on this lofty perch, where they reproach the slipshod

dress and careless, speech of their friend's small office force by the

trim neatness of their own clothes and conversation.

It may be guessed that this snug haven of refuge has been established

and maintained less to extend the Company's trade than to provide a

place for the Company's Walworth. I say _Company's_ Walworth, for

in this case "company" and "family" are interchangeable terms. The

Massachusetts Brass Company is the Floyd family, and the Floyd family

is the Massachusetts Brass Company. The Company pays no dividends, but

it is very generous in its salaries. It is liberal with Hosea G. Floyd,

who is its president, and with Winthrop C. Floyd, who is its treasurer,

and with H. Lovell Floyd, who is its New York agent, and with

Cadwallader P. Floyd, who looks after the Philadelphia interests; nor

does it quite forget D. Walworth Floyd, who holds up one end more or

less effectively in the West. But Walworth is the last and the youngest

of the Floyds; his marriage was not to the complete satisfaction of

his family, and his single independent venture before leaving home,

in the direction of coffee and spices, compelled his brothers to put

their hands into their pockets rather deeply. So, while the rest of the

Floyds think that, all considered, they have rather done the fair thing

by Walworth, yet Walworth, on the other hand, regards his assignment to

the West as a mild form of punishment and exile.

"It _does_ give me a little elbow-room, though."

This is the silent acknowledgment that Walworth sometimes makes to

himself--but grudgingly.

Walworth Floyd is a sleek, well-fed, prosperous-looking fellow of

thirty. His figure is a trifle too short and dumpy to be pronounced

absolutely good; but it is always strikingly well-dressed--for he has

lived in the West hardly a year as yet. His face is not handsome, but

it is gentlemanly quite. One might, indeed, complain of the retreating

lines of his forehead, and regret, too, that his chin, once perfect,

now shows leanings towards the duplex; but, on the other hand, his

well-bridged nose, you are sure, has been figuring in family portraits

for the last hundred years, and his plump hands, by reason of the fine

texture of the skin and the shapeliness of the nails, form a point that

is distinctly aristocratic. Yet penmanship, under his manipulations,

becomes a very crabbed and laborious affair, and this light species of

manual labor is usually performed, so far as he is concerned, by other

hands. He has a sort of general clerk, and he shares the services of a

stenographer with two or three of his neighbors. He employs, too, an

office-boy, who would idle away a good deal of time if Walworth were

not in the habit of sending frequent communications to the steward

of his club. Walworth, garmented in his plump placidity, has been

accustomed to fare sumptuously every day, and to worry his head about

as few things as possible. His dining he does for himself; his thinking

he has somebody else do for him: His book-keeping and auditing and so

on are done in the East, and a friend of his--he has no enemies--once

said that his stomach was in Chicago, while his brains were in Boston.

Walworth, considering his family training and traditions, is

inexplicably expansive. Even more than his limited capabilities for

business, even more than the exactions of a wife whose pinched girlhood

has helped her to a full appreciation of her present membership in a

wealthy family, has his own open-hearted bonhomie "kept him back." He

is just the man to whom one writes a letter of introduction without

any sense of imposing a burden, or to whom one may present it without

experiencing any great sense of embarrassment. And it is a letter of

introduction, in point of fact, which is now lying half folded on the

extended elbow-rest of his desk, and has been lying there for a quarter

of an hour.

Most of us know something about letters of introduction--promised so

thoughtlessly, written so glibly, presented so reluctantly, received so

grudgingly. But when the letter is merely a trifling and insignificant

line--a line which has no great importance for the bearer and can cause

no great annoyance to the recipient--and when its presentation here and

its accounting for there may be considered as but a minute item in the

general system of social book-keeping, then we have an episode that

passes quickly and lightly for all concerned. Such appears to be the

situation in the office of the Massachusetts Brass Company.

[Illustration: "'We are living up on Pine Street'"]

Walworth is tilted back comfortably in one of his handsome chairs

and sends out a casual glance through the nearest window. The sun

is struggling with a half-luminous haze, and through this haze a

hundred streaks of smoke are driving headlong towards the lake. A

tall clock-tower looms up three or four streets away, and one of its

faces--on the looker's own level--gives the hour as half-past ten.

"Well, we are living up on Pine Street, Mr. Ogden," he is saying; "just

this side of the Water Works--the place where the 'wheels go round,'

you know. You beat me here by a few minutes this morning, but I think I

can promise to be the first on the ground when you call on us there."

He is running his fingers over the edges of several little sheets of

brass. A few bunches of these, together with a set or two of brass

rings of varying diameters and thicknesses, are the only intimations of

merchandise that the office yields. Sometimes even these are bundled

away into a drawer, and then commerce is refined completely beyond the

ken of the senses.

"However, don't go. I am a little late in getting around this morning,

but the mail is light. Ferguson will look after it. Sit down again."

The visitor, thus urged, sank back into the chair from which he had

just risen. He was a slender young man, of good height, and his age was

perhaps twenty-four. His complexion was of the colorless kind that

good health alone keeps from sallowness. His hair was a light brown

and fine and thick, and it fell across his temples in the two smooth

wings that were made by an accurate parting in the middle. He had the

beginnings of a shadowy little moustache, and a pair of good eyes which

expressed a fair amount of self-reliance and any amount of hope.

"And how are you finding the West Side?" Walworth pursued. "I don't

know much about it myself. This is a big town and awfully cut up. A man

has to pick out his own quarter and stick to it. If you move from one

side of the river to another, you bid good-by to all your old friends;

you never see them again. You said you were somewhere near Union Park,

I believe?"

"Yes," George Ogden answered, "I have landed in a pretty good place,

and I want to stay there if I can. They're a sort of farming people

--or were, to start with. They came from New York State, I believe, and

haven't been here but a year or two. Is there anybody in this town who

hasn't come from somewhere else, or who has been here more than a year

or two?"

Walworth laughed. "_I_ haven't. But you go around some, and you may

find a few that have."

"The mother cooks, the father markets, the daughter helps to wait on

table. Nice, friendly people; make me think of those at home." He

smiled a little wistfully. "About the only people so far that do."

"Well, I have heard that there are some pretty good streets over

there," is Walworth's vague response.

"Ours is. We have trees--all of one sort and planted regularly, I

mean. And ornamental lamp-posts. And I'm only a block from the Park.

Everything seems all right enough."

"I dare say; but don't you find it rather far away from--?" queried

Floyd, with a sort of insinuating intentness.

However, I have no idea of reproducing Walworth's remarks on the local

topography. They were voluminous, but he would be found prejudiced and

but partly informed. Besides, his little tirade was presently thrown

out of joint by a dislocating interruption.

Walworth always experienced a mental dislocation, slight or serious,

whenever his wife called at the office. Nor were matters much helped

when his wife was accompanied by her sister. It was the latter of these

who now opened the door with an assured hand and who shut it after the

two of them with a confirmatory slam.

"Yes, here we are," she seemed to imply.

In Mrs. Walworth Floyd our young man met a lean and anxious little

body, who appeared strenuous and exacting and of the kind who, as the

expression goes, are hard to get along with. She had a sharp little

nose and a pair of inquisitorial eyes. She was dressed richly, but as

simply as a sword in its scabbard. If Walworth spent an evening abroad

it was a fair assumption that his wife knew where he was and all about

it. Otherwise the sword was drawn.

"We have been almost three quarters of an hour getting here," she said

in a tense way. "Something was the matter with the cable and they kept

us in the tunnel nearly twenty minutes. As I tell Ann, you can always

count on that sort of thing when you've got anything of real importance

on hand and not much time for it. And yet we talk about the jams and

delays in Tremont Street!"

She drew down her mouth and blinked her eyes indignantly. She felt all

the shortcomings of her new home very keenly; she made every one of

them a personal affront.

"Ann thought it was amusing. Perhaps it won't seem so after it has

happened to her three or four times more."

Walworth glanced apprehensively in the direction of his sister-in-law's

chair. She was understood to be in his house on a brief visit. He

trusted that she was not to be exposed a second time to so annoying an

accident.

Ann Wilde was a stout woman who was nearing forty. Her appearance

indicated that, while she had not escaped the buffets of the world,

yet her past experiences had only seasoned and toughened her for her

future ones. In this earthly turmoil of give and take she seemed to

have played a full inning on each side. She had begun as a poetess,

she had gone on as a boardinghouse keeper, and she was now ready to

take her first step as an investor. To turn from literature to lodgings

indicates talent; to do so well in lodgings as to have funds for the

purchase of property indicates genius. Miss "Wilde, at fourteen, was

a plain child whose straggling hair was drawn back from her forehead

by an india-rubber comb that passed over the top of her head from ear

to ear, and she was called Annie. At seventeen, conscious of the first

flutterings of sentiment and prompted by indications of increasing

comeliness, she re-named herself Annette. At twenty, somewhat

disappointed in the promise of beauty, yet consoled in some degree by a

spreading reputation as a versifier, she changed her name to Anne. At

twenty-six, as the result of a disappointment in an affair of the heart

and of a growing appreciation of the modesty of her social rôle, she

resignedly styled herself Anna. And at thirty-five, fully convinced of

her own hopeless plainness, of the completely practical cast of things

generally, and of the uselessness of flying the flag of idealism any

longer, she bobbed off at the same time both her hair and her name; she

presented a short-cut poll of frizzled gray and she signed herself Ann.

What's in a name? Sometimes nothing; sometimes a whole biography.

"I have been telling Mr. Ogden," said Walworth, "that he ought to

be in our part of town--he ought to be one of our little circle."

His wife looked up rather coldly; her little circle was not open to

any new candidate that the uncalculating good-nature of her husband

might propose. "That house around on Hush Street could take him in,

I imagine. And all the people he will want to know are right around

there. Why, you have been in Worcester, Frances; you know the Parkers.

Well, Mrs. Parker is Mr. Ogden's aunt--aunt, I think you said?--yes,

aunt; so you see about how it is. Always glad to welcome one more

Eastern pilgrim to our little what-you-may-call-it--oasis, you know."

"Why didn't you say Mr. Ogden was from the East, Walworth?" asked his

wife, taxingly, and looked at the young man for the first time.

Her gaze was critical, but not forbidding.

"Yes, most of _us_ are on the North Side," she observed.

"Ogden is as good as a neighbor already," Walworth went on,

perseveringly; "a business neighbor. He is going into the Underground

National. Letters and all that, you know. Pretty good for three weeks,

I call it. If most of our fellows who come out here did as well in

three months it would be money in Mrs. Lloyd's pocket. To think of the

fives and tens and twenties that have gone to old schoolmates of Win's

and to fellows who knew Lovell when he was on the road!"

Ogden flushed a little and took the first step towards a frown.

It is not pleasant to contemplate your possible inclusion in the

reprehensible class of the strapped and the stranded, nor to feel

that only a lucky letter of recommendation has saved a friend's wife

from being crossed in some caprice or balked in some whim. But Floyd,

although cordial and liberal, was not invariably fine.

"They stop me on the street, and they buttonhole me in the hotels, and

you can't think how many of them come right here. Of course, I always

do what I can. But how do they find me out? And why is it that when I

am going up home late over the viaduct and somebody is hanging about to

strike some man for a quarter, I am always the man to be struck? One or

two of them have actually paid me back, but--"

"Who?" asked his sister-in-law. She had a loud, rasping voice. "The men

on the viaduct?"

"The others," Walworth indicated briefly.

"You are too generous," said Ogden. What a position for a man who was

_not_ to enter upon an engagement to-morrow! And what might three

months be, if judged by the hopes and fears and expectations and

disappointments of his three weeks!

"The Underground?" repeated Mrs. Floyd, turning towards her husband.

"Isn't that Mayme Brainard's father's bank?" she asked in a general way.

"Mr. Brainard is the president," assented Ogden, with a severe smile.

"I addressed myself to the cashier," he added shortly.

"I was sure I had heard of it," she rejoined, with a glacial

graciousness.

"Well, if _you_-have heard of it, my dear," her husband joked, "how

widely known it must be! You ought to have heard of it; you've had

enough checks on it, I'm sure!"

But Mrs. Floyd did not pursue the subject. She looked at her sister

with that prim seriousness which means something on the mind--or on

two minds--and her sister returned the look in kind; and they both

looked in the same fashion back and forth between Walworth and his

caller. Ann Wilde snapped the catch of her hand-bag once or twice, and

glanced between times at some loose papers inside it. Ferguson, in the

other room, thought he perceived the approach of a domestic crisis--a

disputed dress-maker's bill, perhaps. Yet there might be other

reasons. He knew that the cook was sometimes impertinent, and that

the market-man now and then forgot to send the white-fish. He himself

was a mere boarding bachelor, yet he had come to learn something of

the relief which follows the shifting of a housekeeper's cares to the

shoulders of the housekeeper's husband. Ferguson had relieved the

tedium of many a half-hour by short-handing bits of dialogue that

accompanied connubial spats between his employer and his employer's

wife.

These signs and tokens were not lost on Ogden; he rose again to go. You

were they lost on Floyd himself, whose apprehension of a bad quarter of

an hour was heightened by the absence, as yet, of any exact data. He

had no wish to hold the field alone, and he begged Ogden not to hurry

his departure.

"Where are the girls?" he asked his wife. "I thought you said they came

along with you."

"They did. They are in the building. They will be up in a few minutes.

That child!--somebody ought to look after her."

"Then why not wait a little while?" Floyd suggested to Ogden. "My

wife's affair won't take long. Ferguson, won't you just clear off that

chair out there and find the paper? And now, what is it?" he asked the

two women when they were left together.

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