rs in debt. He had never realized one cent from
the money, and his name was used simply to accommodate the builder.
Besides, he was not of age, though nobody suspected that fact, and he
could repudiate his debts as a minor. He took no counsel, made no
statement of his affairs to any one, shut himself up in his own room,
and considered thoughtfully what he should do, and then followed out the
decision that he had reached. Having become bankrupt in money, he
concluded he would not be so in character. He had earned seventeen
thousand dollars, and could earn seventeen thousand dollars more. He did
confide in one friend. He went to a relative, and asked him to lend him
six thousand dollars, the sum necessary to take up all the notes. The
relative was astonished at the request, and insisted upon knowing the
facts in the case. Mr. Stout made a full and frank statement. It was met
with the remark, 'Well, Andrew, I thought you would be a rich man, but
if this is the way you do your business, you will never be worth any
thing,' But Mr. Stout did not want preaching, he wanted money; and as
the relative seemed to hesitate about loaning the money, as no security
was offered, Mr. Stout curtly told him he could do as he pleased about
it; he could get the money somewhere, and pay the notes. The money was
promised, and he went on his way.

"The bank watched the young financier with a great deal of interest.
The whole matter had been discussed often in the bank, and the wonder
was how young Stout would meet the blow. It was supposed that he would
ask for an extension; and it was agreed to give it to him, and to make
the time of payment convenient to his ability. Had he proposed to
compromise the matter by paying one-half, the bank would have accepted
it. That would have left him a capital of nearly eight thousand dollars
for a fresh start. Had he offered his seventeen thousand dollars on
condition that he was released from all liability, the notes would have
been canceled with alacrity. He did neither. He proposed no compromise,
asked no extension, and attempted to negotiate no settlement. When the
first note became due, he paid it. He did the same with the second and
third. After the third payment, he was called into the office of the
president. Reference was made to the notes, and to the fact that he had
obtained no benefit from the money. The president told him the bank was
ready to renew the notes, and to give him any accommodation th