. To the last there were
certain of the old guard who still remembered them with bits of
coveted pasteboard for receptions or marriages or anniversary
celebrations ... but the Starratts became more and more a memory
revived by sentiment and less and less a vital reality.

Fred Starratt used to speculate, during his nocturnal wandering among
the shadows of his parents' youthful haunts, just what his position
would have been had these stock-market tips proved gilt edged. He
tried to imagine himself the master of a splendid estate down the
peninsula--preferably at Hillsboro--possessed of high-power cars and a
string of polo ponies ... perhaps even a steam yacht... But these
dazzling visions were not always in the ascendant. There were times
when a philanthropic dream moved him more completely and he had naive
and varied speculations concerning the help that he could have placed
in the way of the less fortunate had he been possessed of unlimited
means. Or, again, his hypothetical wealth put him in the way of the
education that placed him easily at the top of a stirring profession.

"If I'd only had half a chance!" would escape him.

This was a phrase borrowed unconsciously from his mother. She was
never bitter nor resentful at their profitless tilt with fortune
except as it had reacted on her son.

"You should have gone to college," she used to insist, regretfully,
summing up by implication his lack of advancement. At first he took a
measure of comfort in her excuse; later he came to be irritated by it.
And in moments of truant self-candor he admitted he could have made
the grade with concessions to pride. There were plenty of youths who
worked their way through. But he always had moved close to the edge of
affluent circles, where he had caught the cold but disturbing glow of
their standards. He left high school with pallid ideals of gentility,
ideals that expressed themselves in his reasons for deciding to enter
an insurance office. Insurance, he argued, was a _nice_ business, one
met _nice_ people, one had _nice_ hours, one was placed in _nice_
surroundings. He had discovered later that one drew a _nice_ salary,
too. Well, at least, he had had the virtue of choosing without a very
keen eye for the financial returns.

Ten years of being married to a woman who demanded a _nice_ home and
_nice_ clothes and a circle of _nice_ friends had done a great deal
toward making him a little skeptical about the soundness of his
s