I suppose you ride yourself ?" "After a fashion," replied Cowperwood, who was an expert.
Witness then the casual encounter on horseback, early one Sunday morning in the painted hills of Wisconsin, of Frank Algernon Cowperwood and Caroline Hand.

A jaunty, racing canter, side by side; idle talk concerning people, scenery, conveniences; his usual direct suggestions and love-making, and then, subsequently-- The day of reckoning, if such it might be called, came later.
Caroline Hand was, perhaps, unduly reckless.

She admired Cowperwood greatly without really loving him.

He found her interesting, principally because she was young, debonair, sufficient--a new type.
They met in Chicago after a time instead of in Wisconsin, then in Detroit (where she had friends), then in Rockford, where a sister had gone to live.

It was easy for him with his time and means.