1. Make a list of

CLASS EXERCISES

a. The fine qualities shown by Captain Scott

b. Words used in connection with the sea

c. Slang words and expressions

2. Explain the meaning of

a. Old salt

b. A dirt spot of vapor

c. A ragged line of silver

d. The merciless, cunning beast

e. The boss and gang never pull together

f. A cushion of backwater

g. The snarling teeth

h. Man that yawl

i. In its blind rage

j. His snubbing posts of legs

SPECIAL ASSIGNMENTS

1. Draw a diagram showing the position of the island, spar buoy, sloop, yawl, drum, and connecting hawser.

2. Tell briefly, but exactly, how Captain Scott saved the schooner.

3. Make a list of the characters.

4. Describe how the foundation for the lighthouse was laid. 5. Tell the class how Captain Scott saved the loaded ferryboat.

6. Write a short biography of F. Hopkinson Smith, showing his varied career.

7. Make a list of the interesting stories that the author has written.

8. Give an outline of the story of Caleb West.

9. Give a brief account of our lighthouse service. 10. Tell of the work of divers in the submarine E 4 tragedy (May, 1915).

11. Describe briefly the work of diving for one of the fol lowing:

a. Pearls

b. Coral

c. Sunken treasure

12. Explain the idiomatic use of the following words:

GRENFELL, Adrift on an Ice Pan; WALLACE, The Lure of the Labrador Wild; DANA, Two Years before the Mast; SMITH, Caleb West; CRANE, The Red Badge of Courage; COOPER, The Pilot; PAYNE, The Book of Buried Treasure; HOLLAND, Historic Adventures; DUNCAN, Doctor Luke of the Labrador; LODGE and ROOSEVELT, Hero Tales from American History; MOFFATT, Careers of Danger and Daring; COE, Heroes of Everyday Life; SMITH, The Fortunes of Oliver Horn.

"You are not the only merchant from Junction Square who has been here on the same errand, Mr. Broadhurst," he returned. "To all of them I have given the same answer. Money is not to be had at any price. In all my experience as a banker I have never before seen a 5 time when money was practically a retired commodity, so far as loans were concerned."

"I have a rapidly growing business," said I. "Up to the time the panic set in, my sales were increasing 50 per cent or more a month. I have the location, the or- 10 ganization, and the goods the people need. I lack money to tide me over this depression. The sudden check in trade has left me with an expensive plant; the charges must be met, sir. I have a fortune in sight at Junction Square, but I haven't quite connected with it. Now if 15 your bank will make this loan, at whatever rate of interest you please, I am willing to place my deposit account with you. It will develop into a most valuable account, I am sure."

"It is useless to talk about it," said Fillmore.

20

"I should like to demonstrate to you the truth of my assertions," I insisted. "I should be most pleased to go over with you my financial affairs, my opportunities, and my plan of operation. I am doing business on a thoroughly sound basis-a basis I worked out through care- 25 ful analysis and a thorough study of conditions. I am catering chiefly to the necessities of the people of New York; I am selling the things they must buy, to a large extent, even in hard times. If I had not been exceedingly conservative and farseeing I might have branched out 30 during the last year or two and loaded up my business with a regular department-store stock. In fact, I had planned to do this, but I foresaw the financial troubles

5

that have come at last. You will give me credit, I hope, for extreme caution-even wisdom. I claim to be a specialist in reading the markets, present and future. On that, sir, I have staked the success of my store."

"If I recollect right," he observed quietly, "you were in business somewhere before."

"At Lost River," I admitted.

"What became of that business? I have forgotten." "That business," said I, "is no criterion by which to 10 judge me today. I was a beginner then, and I failed because I undertook a thing without knowing how. If you can disabuse your mind of any possible prejudice that may be there-wipe Lost River off the slate absolutely, as I myself have done—I can demonstrate to you the 15 soundness of my present undertaking. I have laid my foundations deeply; they will support one of the largest stores in New York some day. I am positive of it."

I saw a faint smile come on the face of this astute old financier. He had heard such talk often, no doubt; every 20 banker does. But not every man who makes such statements can back them up with facts and figures. I could, but Ashton Fillmore would not give me the chance.

"Mr. Broadhurst," said he, with finality, "our bank cannot lend you twenty thousand dollars nor even a thou25 sand dollars. Without regard to your record at Lost River, we must refuse your application. There are certain of our regular patrons that we are taking care of, so far as we can; but outsiders are impossible—utterly hopeless—at a time like the present. You will excuse me, 30 please; I am very much engaged."

I got up, and I am sure the angry blood was in my face. However, I had learned the value of self-control, and I merely said, "Good day, Mr. Fillmore" and walked out.