Harding of Allenwood

"It won't be so singular before long," Kenwyne answered with dry amusement. "Even now, Broadwood and one or two others – "

"Broadwood doesn't count. He married a girl of the soil."

"He loves her, and she makes him a good wife."

"Yes, but it was a mistake. You know our traditions."

Kenwyne laughed, and nodded toward the open window, through which they heard the sound of cheerful whistling approaching them along the trail.

"I suspect that's Broadwood now," he said.

"Well, I must be going. I will call for the check to-morrow."

Gerald left as Broadwood entered.

"I can guess what he wanted. He was at my place," Broadwood said, as he took the seat Gerald had vacated.

"Ah! I'll wager he didn't go away empty-handed," Kenwyne smiled.

"Perhaps I'm betraying a confidence in admitting it. Anyway, I felt that one ought to help him for the family's sake, lest he get into worse trouble; and I could afford the loan. Since I married I've been making some money. But I want to ask you about this Harding. What kind of fellow is he?"

"I like what I've seen of him. Why?"

"Effie has been talking about his sister. Seemed to think it was unkind to leave the girl alone – in want, perhaps, of odds and ends a woman could supply. I think she has made up her mind to go see her."

"I'm not sure that would meet with general approval. What did you say?"

"I seldom give my opinion on these matters," Broadwood answered with a laugh. "On the whole, I think Effie's right; and I suspect that knowing the thing won't please the others gives it a charm. After all, she hasn't much reason for respecting their prejudices. At first, they nearly drove us out of Allenwood."

"I'm glad you didn't go. Your wife is steadily gaining ground, and the others will be glad to copy her after a while."

"That's my idea; we'll have to work our land. Have you ever thought what the Colonel could do with his big block, if he had the capital?"

"And the wish!" said Kenwyne. "The obstacle is his point of view. Besides, all of it isn't really his: Mrs. Mowbray, Beatrice, and the boys have a share. Of course, his taking the lots as one gives him a solid vote in the council, and with the veto he has on certain points makes him an absolute ruler."

"So long as his family support him!"

"Can you imagine their doing the contrary?"

"I've thought the Colonel's position was least secure from an attack within," Broadwood answered thoughtfully. "It doesn't follow that a man's family is bound to agree with him. Gerald's a dark horse, and one can't predict what he'll do, except that it will be what suits himself. Lance is young and headstrong; and Beatrice has a mind of her own… But I really came to ask your opinion about this sketch of a new stable. I must buy another team."

They discussed the plan for the new building until it grew late and Broadwood went home.

The following day Gerald Mowbray left Allenwood for Winnipeg. It was a dismal, wet evening when he arrived; and Winnipeg was not an attractive city at that time. There were a few fine stores and offices on Main Street; Portage Avenue was laid out, and handsome buildings were rising here and there; but, for the most part, the frame houses had a dilapidated, squalid look. Rows of pedlers' shacks stretched back from the wooden station, the streets were unpaved, and the churned-up prairie soil lay in sticky clods upon the rude plank sidewalks. Dripping teams floundered heavily through the mire. Although the city was beginning to feel the stir of commercial activity, the dark corners were devoted to questionable amusements.

Gerald had supper at his hotel, and afterward found the time hang upon his hands. The general lounge was badly lighted, and its uncovered floor was smeared with gumbo mud from the boots of the wet men who slouched in to the bar. The door kept swinging open, letting in cold draughts; and Gerald could find nobody to talk to. He had not enough money to pay off his debt, but thought he had sufficient to enable him to make some compromise with his creditor, and so had determined to see what could be done. It was, however, impossible to spend the dismal evening at the hotel, and he knew where excitement might be found at a moderate cost – that is, if one were cautious and lucky.

Going out, he made his way toward a side street running down to the river, and noticed the keen glance an armed Northwest policeman gave him as he turned the corner. Gerald thought it a desirable spot to station the constable.

A ramshackle frame house down the street was glaringly illuminated, and Gerald, entering, found a number of men and one or two women in two gaudily furnished rooms. There was another room at the back where refreshments were dispensed without a license. For the most part, the men were young, brown-faced fellows who had spent the summer on the lonely plains; but a few had a hard and sinister look. The girls were pretty and stylishly dressed, but they had a predatory air.

In one corner of the room an exciting poker game seemed to be in progress. At the other end a roulette table was surrounded by a crowd of eager players. Gerald was fond of games of chance, and he saw ahead of him a pleasant evening. Leaning against the bar, he was merely an onlooker for a while. The glare of light and the air of excitement, the eager faces of the players and the click of the balls fascinated him.

He had not been drinking heavily; yet to his annoyance he felt a trifle unsteady when at last he strolled over to the roulette table. His first mistake was to take a five-dollar bill from the wallet which contained the money to pay his debt. More than one pair of greedy eyes saw the thick wad of paper currency; and from that moment Gerald was a marked man in the room.

In the gray hour preceding daybreak, when, sick and dizzy, Gerald stumbled back to his hotel, he found that he had only ten dollars remaining of the amount that had been entrusted to him to settle his debt. Ten dollars would not pay his hotel bill, even.

He woke about noon, his head aching severely. He could form no definite idea as to what was best to be done. One thing, however, was certain: No one at Allenwood must know how he had spent the preceding evening. His relatives had no reason for believing his conduct irreproachable, but so long as he did not thrust his failings upon their notice they ignored them. Then, the revelation of how he had lost the money given him would no doubt lead to his banishment from Allenwood; and except for a small allowance from his mother's English property, he had no resources. The survey he had been engaged upon was abandoned for a time, and he could find no other employment. He must hold on at Allenwood, trusting that something would turn up, and augmenting his income by the small sums he might win from the younger men at cards. First of all, however, he must call upon his creditor; it was a disagreeable task, but one that could not be shirked.

CHAPTER VI

THE MORTGAGE BROKER

Davies sat at his desk sorting a bundle of papers. His office, a large room in a smart, new building, was elaborately furnished; but the furnishings spelled expense rather than taste. The walls were hung with maps of the Canadian territories, plans of new town sites, and photographs of buildings. Davies was one of a class that was, for a time, to exercise a far-reaching influence on the Western prairie. His business was to sell the new settlers land – which was seldom paid for on the spot; the agent being willing to take what he could get and leave the balance on mortgage. He also lent money to farmers who had suffered from bad seasons, or who rashly determined to extend their operations with borrowed capital.

Interest was then very high, and the scratch-farming generally practised was not productive. Crops on the half-worked soil suffered from drought and blight, and often ripened too late to escape the autumn frost; yet, in spite of these disadvantages, the influx of new settlers forced up the price of land. As a rule, the unfortunate farmer soon became indebted to local storekeepers as well as to the man from whom he had bought his holding. When he harvested a good crop, he paid off some arrears of interest, and perhaps kept a few dollars to go on with; but he seldom got out of debt, and so toiled on, living with stern frugality, while the money-lender pocketed his earnings. Shylock ran no risk, since the security was good and he could sell up the defaulter. For a time, many of the small homesteaders struggled with dire poverty, in spite of legislation intended to protect them; and it was not until a succession of good harvests and the gradual development of the country enabled them to break the yoke of the usurer that a tide of prosperity flowed across the plains.

Davies was an unfavorable specimen of his class. There were some land and mortgage agents who dealt fairly with their clients and even ran some risk in keeping them on their feet; but Davies was cunning, grasping, and pitiless.

When Gerald entered he gave him a curt nod, snapped a rubber band around the papers, placed them carefully in a pigeonhole in his desk, and then turned to his caller.

"Mr. Mowbray! I expected to see you sooner. Guess you have come to settle your account."

Gerald found it hard to keep his temper. He had an aristocratic contempt for all traders, and had, even in Canada, generally been treated with some deference.

"In the first place, I don't see what you have to do with this debt," he began. "I borrowed from parties in London, and I'm responsible to them."

"Here's my authority," Davies said, handing him a letter. "Whether the lender instructed me to collect the money for him, or made other arrangements doesn't matter to you. I can give you a receipt that will stand good as soon as you put up the money."

"Unfortunately, that is more than I can do."

Davies did not look surprised.

"What's your proposition?" he asked.

"I'll think over yours," Gerald answered as coolly as he could.

Davies studied him for a moment or two. Gerald's expression was supercilious, but his face did not indicate much strength of character. Besides, the only justification for arrogance that Davies recognized was the possession of money.

"You're the son of Colonel Mowbray of Allenwood, aren't you? Your people hold a good piece of land there."

"You seem to know all about me. I'd better warn you, however, that you won't find my relatives willing to pay my debts."

Davies smiled.

"I could try them. They might do something if I stated my claim."

This was what Gerald had feared, and he could not hide his alarm.