He ran no risk; for, of course, he had Frank tight in the grasp of his legal fist, and he was the agent for the landlord.

The secret was this--the lawyer paid his clients four per cent, for the safe investment of their money.

Frank had the money, worked a large farm with it, and speculated in the cattle markets, and realised some fifteen or perhaps twenty per cent., of which the lawyer took the larger share.
Something of this sort has been done in other businesses besides farming.
Frank, however, was not the man to remain in a state of tutelage, working for another.

His forte was not saving--simple accumulation was not for him; but he looked round the district to discover those who had saved.
Now, it is a fact that no man is so foolish with his money as the working farmer in a small way, who has put by a little coin.

He is extremely careful about a fourpenny piece, and will wrap a sovereign up in several scraps of paper lest he should lose it; but with his hundred or two hundred pounds he is quite helpless.