I'd like to see the collection. I understand it's a wonderful
affair,--the old man has spent all his spare time at it. You hear
fabulous estimates of what it's cost him--four or five millions at
the least."

"But why in the world does he hide it in a studio way up the
Hudson?" cried Lucy.

The other shrugged his shoulders. "Just a whim," he said. "He didn't
collect it for other people's pleasure."

"Well, so long as he lets me see it, I can't complain," said Lucy.
"There are so many things to see in this city, I am sure I shall be
busy for a year."

"You will get tired before you have seen half of them," he answered.
"Everybody does."

"Do you know Mr. Waterman?" she asked.

"I have never met him," he said. "I have seen him a couple of
times." And Montague went on to tell her of the occasion in the
Millonaires' Club, when he had seen the Croesus of Wall Street
surrounded by an attending throng of "little millionaires."

"I hope I shan't meet him," said Lucy. "I know I should be
frightened to death."

"They say he can be charming when he wants to," replied Montague.
"The ladies are fond of him."