Three phenomena particularly characterised that metropolitan winter: the reckless rage for private gambling through the mediums of bridge and roulette; the incorporation of a company known as The Inter-County Electric Company, capitalised at a figure calculated to disturb nobody, and, so far, without any avowed specific policy other than that which served to decorate a portion of its charter which otherwise might have remained ornately and comparatively blank; the third phenomenon was the retirement from active affairs of Stanley S. Quarrier, the father of Howard Quarrier, and the election of the son to the presidency of the great Algonquin Loan and Trust Company, with its network system of dependent, subsidiary, and allied corporations.
The day that the newspapers gave this interesting information to the Western world, Leroy Mortimer, on being bluntly notified that he had overdrawn his account with the Algonquin Loan and Trust, began telephoning in every direction until he located Beverly Plank at the Saddle Club--an organisation of wealthy men, and sufficiently exclusive not to compromise Plank's possible chances for something better; in fact, the Saddle Club, into which Leroy Mortimer had already managed to pilot him, was one riser and tread upward on the stair he was climbing, though it was more of a lobby for other clubs than a club in itself. To be seen there was, perhaps, rather to a man's advantage, if he did not loaf there in the evenings or use it too frequently. As Plank carefully avoided doing either, Mortimer was fortunate in finding him there; and he crawled out of his hansom, saying that the desk clerk would pay, and entered the reading-room, where Plank sat writing a letter.