The Morrell Twins were among the newer powers. They had rolled up a surprisingly big fortune--if it _was_ a fortune--in a surprisingly short time, and were looked up to as very perfect gentle knights by all the ambitious young fry of the "street." They were the head and front of the Pin-and-Needle Combine. They did not deal with the Grindstone only; they had made their business the business of half the banks of the town,--for how could these institutions be expected to stand out when all the investors and speculators of the street were pressing forward eager to add to their collections a few good specimens of the admirably engraved and printed certificates of the Combine, and more than willing to pay any price that anybody might ask? Some of the banks--the more fortunate among them--were a

