Chapter I

           ThePhiladelphiaintowhichFrankAlgernonCowperwoodwasbornwasacityoftwohundredandfiftythousandandmore.Itwassetwithhandsomeparks,notablebuildings,andcrowdedwithhistoricmemories.Manyofthethingsthatweandheknewlaterwerenottheninexistencethetelegraph,telephone,expresscompany,oceansteamer,citydeliveryofmails.Therewerenopostage-stampsorregisteredletters.Thestreetcarhadnotarrived.Initsplacewerehostsofomnibuses,andforlongertraveltheslowlydevelopingrailroadsystemstilllargelyconnectedbycanals.

           Cowperwood’sfatherwasabankclerkatthetimeofFrank’sbirth,buttenyearslater,whentheboywasalreadybeginningtoturnaverysensible,vigorouseyeontheworld,Mr.HenryWorthingtonCowperwood,becauseofthedeathofthebank’spresidentandtheconsequentmovingaheadoftheotherofficers,fellheirtotheplacevacatedbythepromotedteller,atthe,tohim,munificentsalaryofthirty-fivehundreddollarsayear.Atoncehedecided,ashetoldhiswifejoyously,toremovehisfamilyfrom21ButtonwoodStreetto124NewMarketStreet,amuchbetterneighborhood,wheretherewasanicebrickhouseofthreestoriesinheightasopposedtotheirpresenttwo-storieddomicile.Therewastheprobabilitythatsomedaytheywouldcomeintosomethingevenbetter,butforthepresentthiswassufficient.Hewasexceedinglygrateful.

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