It'snothisownincomehe'snursing，andsohedoesn'tcarehowsmallhemakesit，providedonlythathisinvestmentswouldbealwayscalledsafe。
　　Nowtherearewaysofbeingsafewithoutspendinganytroubleortimeuponit；andthosearethewaysatrusteewilltake。Forexample，'andherehearoseandunhookingafileofcurrentquotationsfromthewall，placeditinmylapasIsatbesidehim。'nowhereareGovernmentthree'ssellingat1083-8。TheyareassafeastheUnitedStates；andifI
　　advisedyoutobuythem，itwouldcostmenothought，andmycharacterforsafetywouldrunnoriskofablemish。Thatisthesortofbondthatatrusteerecommends。Butseewhatincomeitgivesyou。Roughlyspeaking，abouttwenty-eightthousanddollars。'"
　　"'Thatwouldnotdoatall，'saidI，thinkingofEthelandOctober。"
　　"'Certainlynotforyou，'returnedMr。Beverly，gaily。Ifyouwereatimorousoldmaid，now，whowouldreallylikeallhermoneyinherstockingingoldpieces，onlyshe'sashamedtosayso！Butayoungfellowlikeyouwithnoresponsibility，nowife，andbutcher'sbillit'squiteanotherthing！'"
　　"'Quite，'saidI，'oh，quite！'"
　　"Richard，"interruptedEthel，"doyouhavetomakeyourselfoutsosimple？"
　　"Mydear，youforgetthatIsaidIshouldinventnothing，butshouldkeepmyselftoactualexperiences。ThepartofmystorythatiscomingnowisonewhereIshouldbeverygladtodrawuponmyimagination。"
　　"Mr。Beverlynowranhisfingerupanddownvariouscolumns。'Hereagain，'saidhe，'isatypicaltrusteebond，andnetsyouafewthousanddollarsmoreatpresentprices。NewYorkCentralandHudsonRiver3
　　1-2's。OrhereareWestShore4'sat1135-8。Butyouseeitscalesdowntoprettymuchthesamething。Thesortofbondthatatrusteewillcallsafedoesnotbringtheownermorethanaboutthreeandone-halfpercent。'"
　　"'Why，therearesomesixpercentbonds！'Isaid；andIpointedthemouttohim。"
　　"'Sellingat1377-8，yousee，'saidMr。Beverly。'Deductingthetax，thereyouarescaleddownagain。'Hepencilledsomeswiftcalculations。
　　'There，'saidhe。AndInearlyunderstoodthem。'NowI'mnotheretostopyourbuyingthatsortofpetticoatandcanary-birdwafer，'continuedMr。
　　Beverly。'It'stheregulartrusteemove，andnobodycouldcriticiseyouifyoumadeit。It'swhatIcallthoughtlesssafety，anditbringsyouabout31-2percent，asIhavealreadyshownyou。Anybodycandoit。'"
　　ThesewordsofMr。BeverlymademefeelthatIdidnotwanttodowhatanybodycoulddo。'ThereisanotherkindofsafetywhichIcallthoughtfulsafety，'saidhe。'Thoughtful，becauseitrequiresyoutoinvestigatepropertiesandtheirearnings，andgenerallytouseyourindependentjudgmentafteragooddealofwork。Andallthisatrusteegreatlydislikes。Itrewardsyouwithfiveandevensixpercent，butthatisnostimulustoatrustee。'"
　　"SomethinginmehadleapedwhenMr。Beverlymentionedsixpercent。
　　AgainIthoughtofEthelandOctober，andwhatadifferenceitwouldbetobeginourmodesthousekeepingonsixtyinsteadoffortythousanddollarsayear，outsideofwhatIwasearning。Mr。Beverlynowrangabell。'Youhappentohavecome，'saidhe，'onamorningwhenIcanreallydosomethingforyououtofthecommon。Bringme（itwasaclerkheaddressed）oneofthosePetuniacirculars。Nowhereyoucanseeataglanceforyourself。'HebeganreadingtheprospectusrapidlyaloudtomewhileIfolloweditsparagraphswithmyowneye。Hisstrong，well-polishedthumb-nailranheavilybutspeedilydownthecolumnsoffiguresandsuchwordsasgrossreceipts，increaseofpopulation，sinkingfund，redeemableat105after1920，churnedvigorouslyandmeaninglesslythroughmybrain。ButIwasnotgoingtolethimknowthattounderstandthecircularIshouldhavetotakeitawayquietlytomydeskinNassauStreet，andspendanhourwithitalone。"
　　"'WhatisyouropinionofPetuniaWatersixes？'heinquired。"
　　"'Theyarealead-pipecinch，'Iimmediatelyanswered；andheslappedmeontheknee。"
　　"'That'swhatIthink！'hecried。'Anyhow，Ihavetaken20，000formother。Dowhatyoulike。'"
　　"'Ohwell，'saidI，delightedatthisconfidence，IthinkIcanaffordtoriskwhatyouarewillingtoriskforyourmother，Mrs。Beverly。WhereisPetunia，didyousay？'"
　　"Hepulleddownarollermaponthewallasyoudrawdownawindow-blind，andagainIlistenedtostatementsthatchurnedinmybrain。PetuniawasanewresortontheseacoastofNewHampshire。OnerailwaysystemdidalreadyconnectitwithbothPortsmouthandPortland，butitwasnotaverydirectconnectionatpresent。Yetinspiteofthis，thepopulationhadincreased23andseven-tenthspercentinfiveyears，andnowanelectricrailwaywasinconstructionthatwoulddoublethepopulationinthenextfiveyears。Thiswaslessthanwhathadhappenedtootherneighbouringresortsunderidenticalconditions；yetwiththingsastheynowwere，thecompanywasearningtwopercentonitsstock，whichwasbeingputintoimprovements。Thestockwassellingat30，andifadividendwaspaidnextyear，itwouldgotopar。ButMr。Beverlydidnotcounselbuyingthestock。'Ididnotletmotherhaveany，'hesaid，'thoughItooksomemyself。Butthebondsaredifferent。You'regettingthelastthatwillbesoldatpar。Inthreedaystheywillbeplacedbeforethepublicat1021/2andinterest。'"
　　"IwaswellpleasedwhenIleftMr。Beverly'soffice。InafewdaysIwasstillmorepleasedtolearnthatIcouldsellmyPetuniasixesfor104ifsowished。ButIdidnotwishit；andMr。Beverlytoldmethatheshouldnotsellhismother'sunlesstheywentto110。'Inthatcase，'saidhe，'itmightbeworthwhiletocapitaliseherpremium。'"
　　"Ilikedtheideaofcapitalisingone'spremium。Ifyouhadfiftybondsthatcostyoupar，andsoldthemat110，youwouldthenbuyatparfifty-fivebondsofsomeotherrisingkind，andgoondoingthisuntilI
　　namednolimitforthisprocess；butmydelightedmindsawvisionsofeightyandahundredthousandayearcomfortatleast，ifnotaffluenceinNewYorkandIexplainedtoEthelwhatthephrasecapitalisingone'spremiummeant。IshowedherthePetunias，too，andwereadwhatitsaidonthecouponsaloudtogether。Ethelwasatfirstnotquitesatisfiedwiththearrangementofthecoupons。'ThirtydollarsonJanuaryfirst，andthirtyonJulyfirst，'shesaid。Thatseemsalongwhiletowaitforthosepayments，Richard。Andthereareonlytwoineveryyear，thoughyoupaythemathousanddollarsallatonce。Itdoesnotseemverypromptontheirpart。'Itoldherthatthiswastherule。'But，'sheurged，'don'tyouthinkthatamanlikeMr。Beverlymightbeabletogetthemtomakeanexceptionifheexplainedthecircumstances？Otherpeoplemaybesatisfiedwithwaitingforlittlecrumbsinthisway，butwhyshouldwe？'
　　Isoonmadeherunderstandhowitwas，however，andIexplainedmanyotherfactsaboutinvestmentsandthestockmarkettoher，asIlearnedthem。Itwasagreatpleasuretodothis。Wecametotalkaboutfinanceevenmorethanwetalkedofmywritings；forduringthatSpringI
　　investedagooddealmorerapidlythanIwrote。ThePetuniashadtakenonlyone-twentiethofamilliondollars；andthoughMr。Beverlywarnedmetorushhastilyintonothing，andpointedoutthegoodsenseofdistributingmyeggsinanumberofbaskets，stillwebothagreedthatthesoonerallmymoneywasbringingmefiveorsixpercent，thebetter。"