Chapter 3 THE CONVERSATION OF PHINA HOLLANEY AND GODFREY MORGAN, WITH A PIANO ACCOMPANIMENT.WILLIAM W. KOLDERUP had returned to his mansion in Montgomery Street. This thoroughfare is the Regent Street, the Broadway, the Boulevard des Italiens of San Francisco. Throughout its length, the great artery which crosses the city parallel with its quays is astir with life and movement; trams there are innumerable; carriages with horses, carriages with mules; men bent on business, hurrying to and fro over its stone pavements, past shops thronged with customers; men bent on pleasure, crowding the doors of the "bars," where at all hours are dispensed the Californian's drinks. There is no need for us to describe the mansion of a Frisco nabob. With so many millions, there was proportionate luxury. M