His name was S.V.Harkness, and from the first of our acquaintance he seemed to have every confidence in me.
One day our oil warehouses and refinery burned to the ground in a few hours--they were absolutely annihilated.

Though they were insured for many hundred thousands of dollars, of course, we were apprehensive about collecting such a large amount of insurance, and feared it might take some time to arrange.

That plant had to be rebuilt right away, and it was necessary to lay the financial plans.

Mr.Harkness was interested with us in the business, and I said to him: "I may want to call upon you for the use of some money.

I don't know that we shall need it, but I thought I'd speak to you in advance about it." He took in the situation without much explaining on my part.