lines proposed or under way. The city was as eager to see streetcars replace omnibuses as it was to see railroads replace canals. There was opposition, of course. There always is in such cases. The cry of probable monopoly was raised. Disgruntled and defeated omnibus owners and drivers groaned aloud.

Cowperwood had implicit faith in the future of the street railway. In support of this belief he risked all he could spare on new issues of stock shares in new companies. He wanted to be on the inside wherever possible, always, though this was a little difficult in the matter of the street-railways, he having been so young when they started and not having yet arranged his financial connections to make them count for much. The Fifth and Sixth Street line, which had been but recently started, was paying six hundred dollars a day. A project for a West Philadelphia line (Walnut and Chestnut) was on foot, as were lines to occupy Second and Third Streets, Race and Vine, Spruce and Pine, Green and Coates, Tenth and Eleventh, and so forth. They were engineered and backed by some powerful capitalists who had influence with the State legislature and could, in spite of great public protest, obtain franchises. Charges of corruption were in the air. It was argued that the streets were valuable, and that the companies should pay a road tax of a thousand dollars a mile. Somehow, however, these splendid grants were gotten through, and the public, hearing of the Fifth and Sixth Street line profits, was eager to invest. Cowperwood was one of these, and when the Second and Third Street line was engineered, he invested in that and in the Walnut and Chestnut Street line also. He began to have vague dreams of controlling a line himself some day, but as yet he did not see exactly how it was to be done, since his business was far from being a bonanza.

In the midst of this early work he married Mrs. Semple. There was no vast to-do about it, as he did not want any and his bride-to-be was nervous, fearsome of public opinion. His family did not entirely approve. She was too old, his mother and father thought, and then Frank, with his prospects, could have done much better. His sister Anna fancied that Mrs. Semple was designing, which was, of course, not true. His brothers, Joseph and Edward, were interested, but not certain as to what they actually thought, since Mrs. Semple was good-looking and had some money.

It was a warm October day when he and Lillian went to the altar, in the First Presbyterian Church of Callowhill Street. His bride, Frank was satisfied, looked exquisite in a trailing gown of cream lace⁠—a creation that had cost months of labor. His parents, Mrs. Seneca Davis, the Wiggin family, brothers and sisters, and some friends were present. He was a little opposed to this idea, but Lillian wanted it. He stood up straight and correct in black broadcloth for the wedding ceremony⁠—because she wished it, but later changed to a smart business suit for traveling. He had arranged his affairs for a two weeks’ trip to New York and Boston. They took an afternoon train for New York, which required five hours to reach. When they were finally alone in the Astor House, New York, after hours of make-believe and public pretense of indifference, he gathered her in his arms.

“Oh, it’s delicious,” he exclaimed, “to have you all to myself.”

She met his eagerness with that smiling, tantalizing passivity which he had so much admired but which this time was tinged strongly with a communicated desire. He thought he should never have enough of her, her beautiful face, her lovely arms, her smooth, lymphatic body. They were like two children, billing and cooing, driving, dining, seeing the sights. He was curious to visit the financial sections of both cities. New York and Boston appealed to him as commercially solid. He wondered, as he observed the former, whether he should ever leave Philadelphia. He was going to be very happy there now, he thought, with Lillian and possibly a brood of young Cowperwoods. He was going to work hard and make money. With his means and hers now at his command, he might become, very readily, notably wealthy.

X

The home atmosphere which they established when they returned from their honeymoon was a great improvement in taste over that which had characterized the earlier life of Mrs. Cowperwood as Mrs. Semple. They had decided to occupy her house, on North Front Street, for a while at least. Cowperwood, aggressive in his current artistic mood, had objected at once after they were engaged to the spirit of the furniture and decorations, or lack of them, and had suggested that he be allowed to have it brought more in keeping with his idea of what was appropriate. During the years in which he had been growing into manhood he had come instinctively into sound notions of what was artistic and refined. He had seen so many homes that were more distinguished and harmonious than his own. One could not walk or drive about Philadelphia without seeing and being impressed with the general tendency toward a more cultivated and selective social life. Many excellent and expensive houses were being erected. The front lawn, with some attempt at floral gardening, was achieving local popularity. In the homes of the Tighes, the Leighs, Arthur Rivers, and others, he had noticed art objects of some distinction⁠—bronzes, marbles, hangings, pictures, clocks, rugs.

It seemed to him now that his comparatively commonplace house could be made into something charming and for comparatively little money. The dining-room for instance which, through two plain windows set in a flat side wall back of the veranda, looked south over a stretch of grass and several trees and bushes to a dividing fence where the Semple property ended and a neighbor’s began, could be made so much more

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