Mr. Roswell, president of the bank where Gray had first made himself known, was a shrewd, forceful man who had attained a position in business and arrived at a time of life when he could well afford to indulge his likes and his dislikes. Those likes and dislikes were strong, for his was a positive character. As is the case with most successful men who pride themselves upon their cold caution and business acumen—and Mr. Roswell did so pride himself—he really was a person of impulse, and intuition played a much larger part in his conduct of affairs than he would have acknowledged. Such people make mistakes, but they also make friends; occasionally they read character wrong, but they inspire loyalty, and big institutions are founded upon friendship and loyalty as well as upon stability and f

