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Three years have elapsed since Henri Rochette, the dashing young French financier with the handsome black beard, fell with a crash.

“Le Krach de Rochette. Arrest of the Financier. Millions of Losses. Ruin of Small Investors,” yelled the camelots on the boulevards. It was another affaire, a gigantic swindle reminiscent of Panama, in that the greater part of the victims were small, thrifty people, who now stood in thousands outside Rochette’s closed, darkened offices, weeping, raging, pathetically or passionately demanding the return of their savings.

“That Rochette, he came from nowhere—how did he manage it?” asked the prudent bourgeois, who had steeled himself against Rochette’s alluring, rattling circulars.

Yes, Rochette had come from nowhere—or rather, he had come from the country town of Melun, where he was a waiter in a greasy hotel; then he passed as clerk into a financial establishment; next he opened spacious offices of his own and successfully floated a dozen different companies. I believe the chief factor in Rochette’s success was the black beard he began to grow and to cultivate assiduously, elaborately, after his departure from Melun. With ambition, audacity and, above all, an ornamental black beard, no Frenchman should fail to make his fortune. Lemoine, the alchemist, Duez, the liquidator of the Religious Congregations, both of them had splendid black beards; and the first lived in great style, at the expense of even so astute a financier as Sir Julius Wernher, and the second kept up costly establishments on money belonging to the State. True, MM. Duez and Lemoine were shorn of their beards and sent to prison. But for a long while, at all events, a really fine black beard in France can excite admiration, inspire confidence, command capital and make millions.