The Girl and the Bill An American Story of Mystery, Romance and Adventure — Text and Context

(3 User reviews)   832
Merwin, Bannister Project Gutenberg 2008
Love stories; Chicago (Ill.) -- Fiction; Adventure stories; Spy stories; Mystery fiction Readers of public-domain and historical texts
Project Gutenberg digital edition en

Edition facts

Words 72,543
Reading time 316 min
Text sections 9

This digital edition of The Girl and the Bill An American Story of Mystery, Romance and Adventure — Text and Context is described by source-level measurements including 72,543 words, 5 hr 16 min estimated reading time, and 9 detected text sections.

The text analysis averages about 12.5 words per sentence, while the detected sections provide another way to judge how the source is divided.

Project Gutenberg metadata also associates the work with “Love stories,” connecting these edition facts with the source record’s subject description.

A Chicago lawyer's practical nature collides with a hidden romantic streak when he stumbles into a web of stolen papers, a silent girl, and a Japanese fortune-teller, in this 1909 mystery blending urban realism with adventure.
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She was waiting patiently, interested in the clamor about her, but seemingly undisturbed by her own part in it. Orme's eyes did not leave her face. He was merely one of a crowd at the curb, unnoted by her, but when after a time, he became aware that he was staring, he felt the blood rush to his cheeks, and he muttered: "What a boor I am!" And then, "But who can she be? who can she be?"

A policeman made his way to the black car. Orme saw him speak to the girl; saw her brows knit; and he quickly threaded his way into the street. His action was barely conscious, but nothing could have stopped him at that moment.

"You'll have to come to the station, miss," the policeman was saying.

"But what have I done?" Her voice was broken music.

"You've violated the traffic regulations, and made all this trouble, that's what you've done."

"I'm on a very important errand," she began, "and----"

"I can't help that, miss, you ought to have had someone with you that knew the rules."

Her eyes were perplexed, and she looked about her as if for help. For a moment her gaze fell on Orme, who was close to the policeman's elbow.

Now, Orme had a winning and disarming smile. Without hesitation, he touched the policeman on the shoulder, beamed pleasantly, and said: "Pardon me, officer, but this car was forced over by that dray."

"She was on the wrong side," returned the policeman, after a glance which modified his first intention to take offense. "She had no business over here."

"It was either that or a collision. My wheel was scraped, as it was." She, too, was smiling now.

The policeman pondered. He liked to be called "officer"; he liked to be smiled upon; and the girl, to judge from her manner and appearance, might well be the daughter of a man of position. "Well," he said after a moment, "be more careful another time." He turned and went back to his work among the other vehicles, covering the weakness of his surrender by a fresh display of angry authority.

The girl gave a little sigh of relief and looked at Orme. "Thank you," she said.

Then he remembered that he did not know this girl. "Can I be of further service?" he asked.

"No," she answered, "I think not. But thank you just the same." She gave him a friendly little nod and turned to the steering-gear.

There was nothing for it but to go, and Orme returned to the curb. A moment later he saw the black car move slowly away, and he felt as though something sweet and fine were going out of his life. If only there had been some way to prolong the incident! He knew intuitively that this girl belonged to his own class. Any insignificant acquaintance might introduce them to each other. And yet convention now thrust them apart.

Sometime he might meet her. Indeed, he determined to find out who she was and make that sometime a certainty. He would prolong his stay in Chicago and search society until he found her. No one had ever before sent such a thrill through his heart. He must find her, become her friend, perhaps----But, again he laughed to himself, "What a boor I am!"

After all she was but a passing stranger, and the pleasant revery into which his glimpse of her had led him was only a revery. The memory of her beauty and elusive charm would disappear; his vivid impression of her would be effaced. But even while he thought this he found himself again wondering who she was and how he could find her. He could not drive her from his mind.

Meantime he had proceeded slowly on his way. Suddenly a benevolent, white-bearded man halted him, with a deprecating gesture. "Excuse me, sir," he began, "but your hat----"

Orme lifted his straw hat from his head. A glance showed him that it was disfigured by a great blotch of black grease. He had held his hat in his hand while talking to the girl, and it must have touched her car at a point where the axle of the dray had rubbed. So this was his one memento of the incident.

He thanked the stranger, and walked to a near-by hatter's, where a ready clerk set before him hats of all styles. He selected one quickly and left his soiled hat to be cleaned and sent home later.

Offering a ten-dollar bill in payment, he received in change a five-dollar bill and a silver dollar. He gave the coin a second glance. It was the first silver dollar that he had handled for some time, for he seldom visited the West.

"There's no charge for the cleaning," said the clerk, noting down Orme's name and address, and handing the soiled hat to the cash-boy.

Orme, meantime, was on the point of folding the five-dollar bill to put it into his pocket-book. Suddenly he looked at it intently. Written in ink across the face of it, were the words:

"Remember Person You Pay This To."

The writing was apparently a hurried scrawl, but the letters were large and quite legible. They appeared to have been written on an uneven surface, for there were several jogs and breaks in the writing, as if the pen had slipped.

"This is curious," remarked Orme.

The clerk blinked his watery eyes and looked at the bill in Orme's hand. "Oh, yes, sir," he explained. "I remember that. The gentleman who paid it in this morning called our attention to it."

"If he's the man who wrote this, he probably doesn't know that there's a law against defacing money."

"But it's perfectly good, isn't it?" inquired the clerk. "If you want another instead----"

"Oh, no," laughed Orme. "The banks would take it."

"But, sir----" began the clerk.

"I should like to keep it. If I can't get rid of it, I'll bring it back. It's a hoax or an endless chain device or something of the sort. I'd like to find out."

He looked again at the writing. Puzzles and problems always interested him, especially if they seemed to involve some human story.

"Very well," said the clerk, "I'll remember that you have it, Mr.----" he peered at the name he had set down--"Mr. Orme."

Leaving the hatter's, Orme turned back on State Street, retracing his steps. It was close to the dinner hour, and the character of the street crowds had changed. The shoppers had disappeared. Suburbanites were by this time aboard their trains and homeward bound. The street was thronged with hurrying clerks and shop-girls, and the cars were jammed with thousands more, all of them thinking, no doubt, of the same two things--something to eat and relaxation.

What a hive it was, this great street! And how scant the lives of the great majority! Working, eating, sleeping, marrying and given in marriage, bearing children and dying--was that all? "But growing, too," said Orme to himself. "Growing, too." Would this be the sum of his own life--that of a worker in the hive? It came to him with something of an inner pang that thus far his scheme of things had included little more. He wondered why he was now recognizing this scantiness, this lack in his life.

He came out of his revery to find himself again at the Madison Street corner. Again he seemed to see that beautiful girl in the car, and to hear the music of her voice.

How could he best set about to find her? She might be, like himself, a visitor in the city. But there was the touring-car. Well, she might have run in from one of the suburbs. He could think of no better plan than to call that evening on the Wallinghams and describe the unknown to Bessie and try to get her assistance. Bessie would divine the situation, and she would guy him unmercifully, he knew; but he would face even that for another glimpse of the girl of the car.

And at that moment he was startled by a sharp explosion. He looked to the street. There was the black car, bumping along with one flat tire. The girl threw on the brakes and came to a stop.

In an instant Orme was in the street. If he thought that she would not remember him, her first glance altered the assumption, for she looked down at him with a ready smile and said: "You see, I do need you again, after all."

As for Orme, he could think of nothing better to say than simply, "I am glad." With that he began to unfasten the spare tire.

"I shall watch you with interest," she went on. "I know how to run a car--though you might not think it--but I don't know how to repair one."

"That's a man's job anyway," said Orme, busy now with the jack, which was slowly raising the wheel from the pavement.

"Shall I get out?" she asked. "Does my weight make any difference?"

"Not at all," said Orme; but, nevertheless, she descended to the street and stood beside him while he worked. "I didn't know there were all those funny things inside," she mused.

Orme laughed. Her comment was vague, but to him it was enough just to hear her voice. He had got the wheel clear of the street and was taking off the burst tire.

"We seem fated to meet," she said.

Orme looked up at her. "I hope you won't think me a cad," he said, "if I say that I hope we may meet many times."

Her little frown warned him that she had misunderstood.

"Do you happen to know the Tom Wallinghams?" he asked.

Her smile returned. "I know _a_ Tom Wallingham and a _Bessie_ Wallingham."

"They're good friends of mine. Don't you think that they might introduce us?"

"They might," she vouchsafed, "if they happened to see us both at the same time."

Orme returned to his task. The crowd that always gathers was now close about them, and there was little opportunity for talk. He finished his job neatly, and stowed away the old tire.

She was in the car before he could offer to help her. "Thank you again," she said.

"If only you will let me arrange it with the Wallinghams," he faltered.

"I will think about it." She smiled.

He felt that she was slipping away. "Give me some clue," he begged.

"Where is your spirit of romance?" she railed at him; then apparently relenting: "Perhaps the next time we meet----"

Orme groaned. With a little nod like that which had dismissed him at the time of his first service to her, she pulled the lever and the car moved away.

Tumult in his breast, Orme walked on. He watched the black car thread its way down the street and disappear around a corner. Then he gave himself over to his own bewildering reflections, and he was still busy with them when he found himself at the entrance of the Pere Marquette. He had crossed the Rush Street bridge and found his way up to the Lake Shore Drive almost without realizing whither he was going.

Orme had come to Chicago, at the request of Eastern clients, to meet half-way the owners of a Western mining property. When he registered at the Annex, he found awaiting him a telegram saying that they had been detained at Denver and must necessarily be two days late. Besides the telegram, there had been a letter for him--a letter from his friend, Jack Baxter, to whom he had written of his coming. Jack had left the city on business, it appeared, but he urged Orme to make free of his North Side apartment. So Orme left the Annex and went to the rather too gorgeous, but very luxurious Pere Marquette, where he found that the staff had been instructed to keep a close eye on his comfort. All this had happened but three short hours ago.

After getting back to the apartment, Orme's first thought was to telephone to Bessie Wallingham. He decided, however, to wait till after dinner. He did not like to appear too eager. So he went down to the public dining-room and ate what was placed before him, and returned to his apartment just at dusk.

In a few moments he got Bessie Wallingham on the wire.

"Why, Robert Orme!" she exclaimed. "Wherever did you come from?"

"The usual place. Are you and Tom at home this evening?"

"I'm so sorry. We're going out with some new friends. Wish I knew them well enough to ask you along. Can you have some golf with us at Arradale to-morrow afternoon?"

"Delighted! Say, Bessie, do you know a girl who runs a black touring-car?"

"Do you know a tall, dark girl who has a black touring-car?"

"I know lots of tall, dark girls, and several of them have black touring-cars. Why?"

There was a pause and a little chuckle; then: "Now, Bob, that won't do. You must tell me all about it to-morrow. Call for us in time to catch the one-four."

That was all that Orme could get out of her and after a little banter and a brief exchange of greetings with Tom, who was called to the telephone by his wife, the wire was permitted to rest.

Orme pushed a chair to the window of the sitting-room and smoked lazily, looking out over the beautiful expanse of Lake Michigan, which reflected from its glassy surface the wonderful opalescence of early evening. He seemed to have set forth on a new and adventurous road. How strangely the girl of the car had come into his life!

Then he thought of the five-dollar bill, with the curious inscription. He took it from his pocket-book and examined it by the fading light. The words ran the full length of the face. Orme noticed that the writing had a foreign look. There were flourishes which seemed distinctly un-American.

He turned the bill over. Apparently there was no writing on the back, but as he looked more closely he saw a dark blur in the upper left-hand corner. Even in the dusk he could make out that this was not a spot of dirt; the edges were defined too distinctly for a smudge; and it was not black enough for an ink-blot.

Moving to the center-table, he switched on the electric lamp, and looked at the blur again. It stood out plainly now, a series of letters and numbers:

Evans, S. R. Chi. A. 100 N. 210 E. T.

The first thought that came to Orme was that this could be no hoax. A joker would have made the curious cryptogram more conspicuous. But what did it mean? Was it a secret formula? Did it give the location of a buried treasure? And why in the name of common sense had it been written on a five-dollar bill?

More likely, Orme reasoned, it concealed information for or about some person--"S. R. Evans," probably. And who was this S. R. Evans?

The better to study the mystery, Orme copied the inscription on a sheet of note-paper, which he found in the table drawer. From the first he decided that there was no cipher. The letters undoubtedly were abbreviations. "Evans" must be, as he had already determined, a man's name. "Chi" might be, probably was, "Chicago." "100 N. 210 E." looked like "100 (feet? paces?) north, 210 (feet? paces?) east."

The "A." and the "T." bothered him. "A." might be the place to which "S. R. Evans" was directed, or at which he was to be found--a place sufficiently indicated by the letter. Now as to the "T."--was it "treasure"? Or was it "time"? Or "true"? Orme had no way of telling. It might even be the initial of the person who had penned the instructions.

Without knowing where "A." was, Orme could make nothing of the cryptogram. For that matter, he realized that unless the secret were criminal it was not his affair. But he knew that legitimate business information is seldom transmitted by such mysterious means.

Again and again he went over the abbreviations, but the more closely he studied them, the more baffling he found them. The real meaning appeared to hinge on the "A." and the "T." Eventually he was driven to the conclusion that those two letters could not be understood by anyone who was not already partly in the secret, if secret it was. It occurred to him to have the city directory sent up to him. He might then find the address of "S. R. Evans," if that person happened to be a Chicagoan. But it was quite likely that the "Chi." might mean something other than that "Evans" lived in Chicago. Perhaps, in the morning he would satisfy his curiosity about "S. R. Evans," but for the present he lacked the inclination to press the matter that far.

In the midst of his puzzling, the telephone-bell rang. He crossed the room and put the receiver to his ear. "Yes?" he questioned.

The clerk's voice answered. "Senhor Poritol to see Mr. Orme."

"S-e-n-h-o-r--P-o-r-i-t-o-l," spelled the clerk.

"I don't know him," said Orme. "There must be some mistake. Are you sure that he asked for me?"

There was a pause. Orme heard a few scattered words which indicated that the clerk was questioning the stranger. Then came the information: "He says he wishes to see you about a five-dollar bill."

"Oh!" Orme realized that he had no reason to be surprised. "Well, send him up."

He hung up the receiver and, returning to the table, put the marked bill back into his pocket-book and slipped into a drawer the paper on which he had copied the inscription.

When Orme answered the knock at the door a singular young man stood at the threshold. He was short, wiry, and very dark. His nose was long and complacently tilted at the end. His eyes were small and very black. His mouth was a wide, uncertain slit. In his hand he carried a light cane and a silk hat of the flat-brimmed French type. And he wore a gray sack suit, pressed and creased with painful exactness.

"Come in, Senhor Poritol," said Orme, motioning toward a chair.

The little man entered, with short, rapid steps. He drew from his pocket a clean pocket-handkerchief, which he unfolded and spread out on the surface of the table. Upon the handkerchief he carefully placed his hat and then, after an ineffectual effort to make it stand against the table edge, laid his cane on the floor.

Not until all this ceremony had been completed did he appear to notice Orme. But now he turned, widening his face into a smile and extending his hand, which Orme took rather dubiously--it was supple and moist.

"Oh, this is Mr. Orme, is it not?"

"Yes," said Orme, freeing himself from the unpleasant handshake.

"Yes, that is my name. What can I do for you?"

For a moment Senhor Poritol appeared to hover like a timid bird; then he seated himself on the edge of a chair, only the tips of his toes touching the floor. His eyes danced brightly.

"To begin with, Mr. Orme," he said, "I am charmed to meet you--very charmed." He rolled his "r's" after a fashion that need not be reproduced. "And in the second place," he continued, "while actually I am a foreigner in your dear country, I regard myself as in spirit one of your natives. I came here when a boy, and was educated at your great University of Princeton."

"You are a Portuguese--I infer from your name," said Orme.

"Oh, dear, no! Oh, no, no, no!" exclaimed Senhor Poritol, tapping the floor nervously with his toes. "My country he freed himself from the Portuguese yoke many and many a year ago. I am a South American, Mr. Orme--one of the poor relations of your great country." Again the widened smile. Then he suddenly became grave, and leaned forward, his hands on his knees. "But this is not the business of our meeting, Mr. Orme."

"No, my dear sir. I have come to ask of you about the five-dollar bill which you received in the hat-shop this afternoon." He peered anxiously. "You still have it? You have not spent it?"

"A marked bill, was it not?"

"Yes, yes. Where is it, my dear sir, where is it?"

"Written across the face of it were the words, 'Remember person you pay this to.'"

"And on the back of it----"

"On the back of it!" gasped the little man.

"Was a curious cryptogram."

"Do not torture me!" exclaimed Senhor Poritol. "Have you got it?" His fingers worked nervously.

"Yes," said Orme slowly, "I still have it."

The novel opens with Robert Orme walking State Street, Chicago, feeling the city's roar as 'the pulse of the great Middle West.' Merwin establishes Orme as a practical lawyer with a hidden romantic spring—'he never met a woman without wondering whether she was the one.' This tension between pragmatism and romance drives the plot when Orme witnesses a tense confrontation in a fortune-teller's room, where a girl demands papers stolen from her father. The Japanese Arima and the sneering Alcatrante claim an American substituted circulars for the contents. Orme, hidden, must decide whether to reveal himself.

The City as Character

Merwin devotes the opening paragraphs to Chicago itself, calling it 'the hub of genuine Americanism—young, aggressive, perhaps a bit too cocksure.' Orme's appreciation of the city's 'incompleteness not dissimilar to that of life itself' sets a thematic stage. The roar of State Street, the clangor of fire-engines, and the 'fresh beauty of the women and girls' are not mere backdrop but active ingredients in Orme's mood. The city's pulse mirrors his own hidden romantic expectations. Later, the action moves to a room above a fortune-teller, where the urban noise is replaced by tense silence. This shift from public street to private intrigue underscores the novel's movement between open American energy and concealed, possibly foreign, machinations.

Silence and Disdain

The girl in the fortune-teller's room is defined by her refusal to speak. When the Japanese asks her to state her desire, she remains silent, and Orme notes 'something uncanny in her failure to respond.' Her only words are a direct accusation: 'That envelope on the floor was stolen from my father's home.' She is described as 'Truth, calm in the presence of subterfuge.' Her silence forces the men to confess, and her eventual statement—'I know that you are mistaken. No American has those papers'—carries weight because it is rare. Merwin uses her reticence to create suspense and to contrast with Orme's internal debate about whether to reveal himself. The reader, like Orme, must interpret her through her actions and sparse words.

The Hidden Observer

Orme spends much of the excerpted scene hidden, listening. His perspective filters the action: he sees Alcatrante's sneer, Poritol's 'air of virtuous importance,' and the Japanese's 'false politeness of his race.' His caution is rationalized—'he knew that the chances of a successful outcome would be lessened by exposure'—but it also creates dramatic irony. The reader knows Orme's innocence, but the girl does not. When she adds 'Unless——' after defending him, Orme feels the sting of doubt. This structural choice—placing the protagonist as a concealed witness—heightens the mystery and forces the reader to weigh evidence alongside him. The scene turns on what is seen, heard, and left unsaid.

Readers should attend to how Merwin balances the adventure plot with the psychological realism of Orme's internal conflicts. The excerpts suggest a story where every character operates with partial knowledge, and the setting—Chicago's raw energy versus the closed rooms of intrigue—is never merely decorative. The girl's silence and Orme's hidden observation are not just plot devices but thematic anchors for a novel about trust, perception, and the gap between appearance and reality.

This Chicago lawyer, so sure of his own practicality, reminded me of an old uncle who kept a drawer of pressed flowers. I thought of The Claverings — Reading Notes and how both books quietly suggest that our most guarded selves hide a softer, stranger current. It’s a familiar ache, that tension between the life we arrange and the one that happens anyway.

Noah Allen
3 weeks ago

William Rodriguez
3 weeks ago

Matthew Jackson
1 month ago

4.5
4.5 out of 5 (3 User reviews )

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  • ...
    Amy Green - 1 month ago
    An exhilarating blend of mystery, romance, and adventure that keeps you guessing until the very end. The protagonist is compelling, and the American setting adds a rich layer of authenticity. The plot twists are well-executed, and the chemistry between the leads is palpable. A thoroughly enjoyable read for anyone who loves classic adventure stories with a romantic core.

  • ...
    Latoya Patel - 2 weeks ago
    While the premise is promising, the execution falls short. The characterization is thin, and the plot relies on too many coincidences. The romance feels forced, and the mystery is telegraphed early on. Overall, a forgettable read that doesn't live up to its adventurous billing.

  • ...
    Shane Kelly - 1 week ago
    The story has its moments, especially the fast-paced adventure sequences and the intriguing mystery. However, the romance feels a bit rushed, and some characters lack depth. Still, it's an entertaining read if you're not looking for anything too deep.


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