re to make such an investment within twelve months your
mother's fortune will be tied up so that you can not touch it, or derive
any benefit from it, for a certain period, which will be disclosed
later."

"Does that mean I will have to be--be poor?"

"Well, not exactly poor, but you will have to put up with a good deal
less than you have now. You see, your mother's idea was to have you
avoid the pitfalls and snares into which fall many wealthy youths with
millionaire parents. She wanted to make you appreciate the value of
money, to know how to spend it, and to learn, above everything else,
that money begets money.

"That is why she made such a peculiar will, and, I think, she did
wisely. So, for a year, at least, you are to live as do other
millionaires' sons who are older. In fact, you are to have more money to
spend than you ever had before, for, though I have been liberal with
you, I wanted you to have something still better to look forward to. So,
now, your fortune is your own to make.

"If you devote some of the money you are to have to a wise and paying
investment, you will, comparatively soon, come into possession of your
mother's vast wealth, though, of course, the executors of the will, of
whom I am one, are to have certain control over you. You have twelve
months from to-day in which to make your try, Dick, my boy."

"A year to make money out of money. But how, father? I have no knowledge
of business."

"That is just it. You must gain some knowledge of business or you will
never be able to take care of your fortune. That is one reason your
mother made such a will. I need not say I hope you will be successful. I
shall aid you all I can, but I would rather you relied on yourself. I
had to do it when I was your age, and I see no reason why you should not
take some responsibility."

"Are these all the restrictions?" asked Dick, his mind somewhat confused
by the sudden news.

"No, not all. There are a number of provisions of the will, governing
your future life, aside from the matter of the investment. I will not
read them to you now, but as soon as the occasion arises you will be
made acquainted with them."

"And can I start in and have the money at once? I know a lot of things I
want." Dick was walking about excitedly. He had visions of a big
automobile and a fine motor boat, two things his father, up to the
present, had not allowed him to own.

"One of the provisions of the will," went on Mr. Hamilt