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Enter Hosmer Hand

           Cowperwood’scredithadhithertobeengoodbecauseitwasknownthathehada"softthing"intheChicagostreet-railwayfield,thathepaidhisinterestchargespromptly,thathehadorganizedthegroupofmenwhonow,underhim,controlledtheChicagoTrustCompanyandtheNorthandWestChicagoStreetRailways,andthattheLakeCityBank,ofwhichAddisonwasstillpresident,consideredhiscollateralsound.Nevertheless,evenprevioustothistimetherehadbeenaprotestingelementintheshapeofSchryhart,Simms,andothersofconsiderableimportintheDouglasTrust,whohadlostnochancetosaytooneandallthatCowperwoodwasaninterloper,andthathiscoursewasmarkedbypoliticalandsocialtrickeryandchicanery,ifnotbyfinancialdishonesty.Asamatteroffact,Schryhart,whohadoncebeenadirectoroftheLakeCityNationalalongwithHand,Arneel,andothers,hadresignedandwithdrawnallhisdepositssometimebeforebecausehefound,ashedeclared,thatAddisonwasfavoringCowperwoodandtheChicagoTrustCompanywithloans,whentherewasnoneedofsodoingwhenitwasnotessentiallyadvantageousforthebanksotodo.BothArneelandHand,havingatthistimenopersonalquarrelwithCowperwoodonanyscore,hadconsideredthisprotestasbiased.Addisonhadmaintainedthattheloanswereneitherundulylargenoroutofproportiontothegeneralloansofthebank.Thecollateralofferedwasexcellent."Idon’twanttoquarrelwithSchryhart,"Addisonhadprotestedatthetime;"butIamafraidhischargeisunfair.

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