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there by itself. Many crabs so resemble stones In the deep sea some crabs are blind, while others that other protection is unnecessary; the Mask have wonderful phosphorescent eyes and are veritable crab is so called because of certain markings on lamps of that silent world. Equally curious are the its back that

cause it to surface-crabs, resemble

somewhat colored with a human

face; wondrous tints

and resembl-
ing sea-weeds

that the very
birds and fish-
es fail to see
them. Many
crabs are fa-

swimmers, and the one known as Henslow's swimming crab, often seen many miles from land, will dart into a school of herrings, seize a fish in its knife-like jaws, and cling to it until its victim floats dead upon the surface.

The crabs, or sea-spiders, purify the water by their habits as scavengers, as they prey upon






while the Glass-crabs are so transparent that print can be read through them, and being thus difficult to detect, they readily escape the watchful eyes of hungry fishes.

In the selection of their homes, the crabs show curious characteristics. Some of the hermits burrow in the sand, arranging the opening so that the large claw fits it perfectly, forming an animated door that rises up to grasp any intruder that seeks entrance. Certain crabs travel about on the backs of turtles; there is one kind that lives in the interior of a sea-cucumber, while another crab is found living within a large Brazilian star-fish. One little fellow small sea-animals living and dead; but they of the crab family lives in the folds of the jelly-fish, become in turn victims themselves to the fishes of while anotherclings to the feathersofa certain sea-bird. the deep sea.






straightened out was but a paltry use for BANK - LOAN

talents that might make their owner a ON PERSE

power in Wall street.

When the weekly paper found its way to “Pharaoh's Heart,” Ben always retired with it to the nearest available seclusion, generally the hay-loft, and eagerly scanned the finan

cial column; and he thought he understood

all about bulls and bears, and puts and calls, and By

margins and corners, as well as he understood SOPHIE

when to plant corn, or when the trout in Stony

Brook were most likely to bite.

But, alas ! of what avail was such knowledge to a boy who had to work and spend his time on a

stony little farm in Quebasket, where stocks and BEN SCATTERGOOD felt that his talents were bonds were almost unknown ? running to waste. It was discouraging for a boy Strangely enough, it was Tobias who suggested who intended to be the greatest financier of the to Ben a great idea, — Tobias, who was the proud age to have to till the soil on his father's little but embarrassed possessor of a dollar and nineteen farm in that part of the township which was called cents, with which the speckled hen had come off “Pharaoh's Heart,” because it was so stony, and triumphant after the vicissitudes of hatching and to have to pick huckleberries and do “chores ” for rearing a brood of ducklings. It was particularly the neighbors, to earn money to buy his Sunday gratifying, because the speckled hen had hitherto shoes.

met with reverses in all her business undertakings, He did not expect to burst upon the world a and Tobias had cherished gloomy forebodings that full-fledged Rothschild or Vanderbilt ; but driving she would die in debt. a plow, and digging turnips, and milking cows were But even now perplexity was casting a shadow occupations that did n't seem even to pave the way over Tobias's joy. “It's queer, but I declare I have to a great financial career; Ben was very discontent- n't anything particular to do with that dollar ’n’ ed. And there was Tobias, who really loved farm- nineteen cents !” he said, limping into the barn, ing, and yet he was to be sent to the city to learn where Ben sat on the meal-chest, moodily snapbusiness, because he was lame and left-handed and ping corn at the cross old gander. his father thought he was n't fit for anything Ben stared at him in astonishment. This was else. Ben was sometimes tempted to run away, an entirely new experience for one of the Scatterbut he felt that it would be mean; for his father good family. To have a great many things to do had rheumatism, which grew worse and worse with money, but no money, was their every-day every year, and there was a brood of little ones, condition. all younger than Ben, and going down as evenly as Tobias might be slow, but he was not frivolous. a flight of stairs until one came to the two pairs of “I might buy some turkeys' eggs and sell 'em,” twins, Jed and Jethro, and Mirandyo and Maro- he said. “Turkeys are more excitin' than hens, sybo. Ben felt that he was needed at home. but then they ’re more risky, too!”

Yet he also felt a daily-growing conviction that “Turkeys! You tried that last year, and only handling pumpkins and potatoes was a very five eggs hatched, out of a dozen, and the gander tame occupation for a boy who wished to be hand- kicked one of the young ones to death, and one ling stocks and bonds; and that keeping the twins was drowned, trying to swim with the ducks, and




one ran its head into the rat-trap, and the horse ears, and his faith in Ben was great; but, neverstepped on one, and the other just up and died – theless, his prudent mind suggested a painful because it was lonesome, I suppose.

A great doubt. investment that was !” said Ben contemptuously. “I s'pose I am slow, Ben," he said: “but I can't

“I suppose I had better put the money away,” see how you are going to pay the interest, and said Tobias. “Eliakim Tuesley said, the other salaries, and things. Money wont grow of itself day, that he had thirteen dollars and ninety-one in the old shop." cents in an old stocking. There was a tin bank Well, I should think you were slow!” exclaimed in our house — it would seem more appropri't to Ben. “What do banks generally do with their put it in a bank than in an old stocking — but money? I shall lend it.” some of the twins hammered it all to pieces trying “ Lend it ! ” Tobias actually turned pale at the to get a copper cent out.”

thought of his "dollar ’n’nineteen cents. guess " That is a great kind of a bank !

If I were

you don't know Quebasket boys so well as 1 do ! five years old, I might put my money down the There was Lem Rollins,— he went off to Boston chimney of a little tin house painted red,” said with my jack-knife in his pocket; and Zach HalBen, with withering scorn.

stead broke my musk-rat trap all to pieces and “I should just like to know what you


never offered to buy me another; and Tom Jendo with it !" said Tobias hotly. “ It's easy kins has owed me thirteen cents these two years; to tell a fellow what is n't the best thing —" and when I ask him for it, he says times are very

“I should make it grow, just as I would corn,” hard! Of course some boys would pay. said Ben, with an air of superiority. “ If you could * You must be clever to think I shall lend put it where it would double itself in a year, in money without security! Of course boys can't do ten years you 'd have — let 's see how much,”.

things just as men do,- the fellows have n't real and Ben began to make calculations.

estate,– but I shall take mortgages on personal " I should like to know where I could make it property. Tom Jenkins's gun is worth eight or double itself in a year," said Tobias.

nine dollars, and he 'll not borrow any money Ben was in a brown study.

from my bank without giving a mortgage on the “There ought to be a bank in Quebasket,” he gun; and if he does n't pay principal and interest said at length. Tobe, I think I shall set up a when it is due, I shall foreclose, – that means take bank!"

possession of the gun!” Tobias gazed at his brother in astonishment, not Tobias's doubts were swallowed up in admiraunmingled with admiration.

tion. His brother Ben was a wonderful boy, and “It 's a pretty big undertaking, but if any boy the Quebasket Double-Penny Bank was the greatcan do it, you can, Ben," he said.

est financial scheme of the age ! “If I make it go,” said Ben,“ you shall be the Tobias hurried away in search of a smooth first depositor, and I 'll pay you ten per cent. for board and his father's paint-pots, while Ben went your dollar ’n’ nineteen cents."

to “ talk to the fellows,” paying his first visit to Tobias was not equal to the task of computing Eliakim Tuesley, the greatest capitalist of his achis year's interest without time and a pencil; but quaintance. ten per cent. sounded well, and dazzling visions Eliakim was strongly impressed with the imporof wealth rose before his eyes.

tance and responsibility attending the possession “ The old work-shop is n't just what I should of his wealth ; but he was readily convinced that it choose for a bank-building, but it will do,” said would never double itself in the toe of the stocking, Ben. “ It 's lucky that we happen to live on and that it might in the Double-Penny Bank. the main road; it would n't look well to have a Ben's task was much easier from the fact that his bank out in the field.” And then remembering mathematical abilities were so highly regarded. that Tobias could paint letters of astonishing even- If any boy could make a bank a success, it was ness, he said:

Ben Scattergood; that was the universal opinion. “ You may paint the sign, Tobe, if you 'd like Ben was “ square,” too,- which in Quebasket verto. I've thought of a name that will sound well, nacular meant honest,- it was safe to trust him - The Quebasket Double-Penny Bank. Make with money. the sign big and showy. We must make every- Even Dan Vibbert, who worked in the clothesthing attractive! I'm going to talk to the fellows; pin factory, and supported his mother and little and I say, Tobe, if it turns out well you shall be sister, and was as wise and prudent as if he were cashier,- no, you can't reckon quickly enough sixty instead of sixteen, agreed to save ten cents a for that, but you shall have some position.” week from his earnings, if possible, and deposit it

That had a very agreeable sound to Tobias's in the bank; and he gave Ben, on the spot, fifty

cents which he had saved to buy a blue necktie directors. But when he confided this idea to the with red dots.

boys, it was received with scorn and derision, and Dick Malcolm, who was a rich man's son, but Ben abandoned it with the patient superiority of who spent all his money on caramels and corn- one who knows that his opinions are in advance of balls, sternly resolved to forego these luxuries, and his age. He decided, soon after, that he would tried to sell his donkey and cart that he might have no directors, but would himself be the sole deposit the proceeds in Ben's bank.

manager of the institution, and this decision preArthur Wingate, who had saved seven dollars vented impending hostilities between Eliakim toward buying a bicycle, lent a willing ear to Ben's Tuesley and Win Reeder, who intended to deargument that money which was increasing every posit fourteen dollars when his uncle came home. day was better than a bicycle which was wearing Another trouble was that some of the depositors out; and Tommy Tripp sold his calico colt that returned weeping, and demanded their money he had meant to raise.

back, owing to the prejudice of their parents or There was a great financial excitement in Que- guardians. But it happened that the larger capbasket. Ben came home in the evening and found italists had full control of their funds, so this was that the sign, upon which Tobias had worked zeal- no serious drawback to the success of the bank. ously all the afternoon, had “Quebasket Double- Ben's father seemed to regard the undertaking as Penny Bank” on it, in dazzling white and yellow sport, and said Ben had better be at work. But Ben letters on a black ground bordered with red lines. thought he would soon be able to show people

The office equipments were very primitive, and that his enterprise was something more than play; Ben resolved that the bank's first earnings should and that all the little trials incident to its beginning purchase a desk which was n't evolved from a would be forgotten in the glory of its success. trough, and a safe which would give a dignity to the But Ben's strong arguments had aroused such a establishment that was not to be imparted by an zeal for saving money and putting it into the old tin coffee-canister and a cake-box.

bank, that nobody seemed to think of borrowing But the coffee-canister and the cake-box had any to spend. money in them, and so were more business-like Ben felt himself under the necessity of affixing than an empty safe ; and with this reflection Ben to his sign the information that the bank would consoled himself, even when some of the boys — “ loan money on personal property or any good who had no money to deposit — said they “could security.” He did n't like the looks of that put their money into tin boxes at home without notice; it detracted very much from the dignity carryin' it up to Scattergood's ole work-shop." of the bank; he wished people would understand,

Of course Ben knew that no one could expect without that, how his bank must be managed ; and to carry on so ambitious an enterprise without he felt very much annoyed when Uncle Amri having some troubles ; so he was not surprised Treworgy, as he was driving by, stopped and when his sister Arethusa Ann sold her gold beads laughed, and called out: to a peddler for twenty-five cents, to put into the “Gone into the pawn-broker business, Ben? bank, and his mother sent him after the peddler in Where are your three gilt balls ? " hot haste to get them back at any price, because Uncle Amri was a queer old fellow, who had they had belonged to their grandmother, and Ben amassed a considerable fortune by shrewd investhad to give the peddler a dollar for them. He was ments and speculations. He was called "Uncle " not surprised, but he almost wished he had list- by everybody, and was in reality a great-uncle to ened to Tobias, who said girls ought not to be Ben; and Ben had thought of asking his advice allowed to deposit, because they would want to about the bank. He was glad now that he take their money out the very next day to buy had n't. candy or ribbons, or would be fussy and come But his wounded feelings were soothed by the every day to see if it were safe. But he was glad immediate results of the notice. It was novel afterward that he had n't listened to Tobias, for and exciting to be able to borrow money! There some girl-friends brought money and seemed just was a reaction from the severe self-denial that had as sensible about it as the boys, from Mary Jane made the taste of peanuts and taffy an almost forPemberly, who had earned seventy-five cents by gotten delight to Quebasket boys, and some of the knitting stockings, to Kitty Malcolm, who was depositors were the first borrowers ! saving up her allowance to buy a Shetland pony There was so great a demand for very small with a tail that touched the ground. Kitty had sums that Ben feared the labor of keeping the eleven dollars,— she was almost as wealthy as Elia- books would be too great, and he refused to lend kim Tuesley; and Ben, who believed in women's any amount smaller than a quarter of a dollar. This rights, had some idea of making her one of the caused great dismay among the smaller boys; and

the village confectioner, who had ordered a double three cents looked much bigger at the end of the quantity of peanuts and corn-balls in view of the week, and it increased rapidly to very astonishing unusual demand for them from young capitalists, proportions! At the end of three weeks it was was now left with the increased supply on his hands. nine cents, and it was often very inconvenient to

pay it. And in how much worse condition was the boy who had borrowed a dollar !

Then, too, Ben found it difficult to be sufficiently hard-hearted to take possession of the mortgaged articles. But Tobias counseled firmness, and Ben at length felt obliged to take possession of several pocket-knives, a Guinea hen, a cage of white mice, a silver watch, a backgammon board, and a squirrel. The owners of most of these articles very soon appeared with the interest due and claimed their property, but one of the knives had been broken after it was mortgaged, and the gray squirrel slipped out through a hole in the hen-house, and probably rejoined its family in the woods ; and its opinion undoubtedly was that the Quebasket Double-Penny Bank had done some good in the world. But Tobias, with a wrinkled brow and deep misgivings about his “dollar ’n’ nineteen cents," charged the knife and the squirrel to the loss account of the bank. The Guinea hen, too, caused embarrassment by laying three eggs while imprisoned in the bank, which John Sylvester, her owner, claimed. And when he threatened to have a lawsuit if they were not returned to him, Ben felt obliged to give them up, because he thought an appeal to law would seriously interfere with the success of the bank. Poor Tobias spent half a day in calculating the profits that might have accrued to the bank from those three Guinea hen's eggs, and he never became reconciled to their loss.

Ben's strict measures produced two results: one was that the interest was paid much more promptly, but the other was that the boys became more shy of borrowing. The novelty had begun to wear off, too, and times were undeniably dull at the bank.

But one morning Quebasket awoke to find its fences and walls, and even its rocks and trees, adorned with flaming posters, which announced that the “Gigantic Royal Hippodrome and Stupendous European and Asiatic Menagerie, applauded by all the Crowned Heads of Europe, Great and Small, and considered by the Czar of Russia the Eighth Wonder of the World,” would exhibit at the Stapleton Mills, a neighboring town, the next day. Every Quebasket boy knew very well

that those lofty-sounding names meant simply that BEN LISTENS TO UNCLE AMRI's “LECTURE." (SEE PAGE 851.)

the circus had come! And the blissful news was The interest on loans was to be paid weekly, shouted from one to another. but Ben found it very difficult indeed to make “Lively times to-day !” said Ben to Tobias, as his collections. The boy who borrowed a quar- they saw the bank-building fairly covered with the ter thought three cents a week very little to beguiling bills. “ Crowds of boys will want to pay for the use of it when he borrowed it, but borrow money to go to the circus!”

VOL. XII.— 54.

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