. per annum. He had but one or two
alternatives--to borrow at this ruinous rate of interest, or fail.
The operation was for one year, without any privilege of renewal;
this was the longest time at which the usurer ever loaned his money.

For one year Mrs. John Tompkins was in her glory. She gave six large
parties during that time, at a heavy cost. Her husband,
notwithstanding the loan of fifteen thousand dollars, was in trouble
about money matters; Business had been unusually dull both in the
spring and fall, and money hard to collect. Nearly ten thousand
dollars, which he had fully expected to receive from distant
customers, failed to come in. As the period for which he had
borrowed from Wolford drew toward its close, he could not but feel
uneasy. From no other quarter had he any hope of raising so large a
sum as fifteen thousand dollars upon his house. He was poring over
his bill-book, one day, when the man he had thought of far more
frequently than was pleasant to him, came in. Mr. Tompkins felt
uneasy.

"Ah--how do you do, Mr. Wolford?" said he, affecting a pleased air.
"Sit down."

Wolford looked grave. He had come on business, and to him business
matters were of serious import. He returned the merchant's
salutation with formality, seated himself deliberately, and, resting
his hands upon the head of his cane, looked up with a sinister
expression on his face.

"A fine day this, Mr. Wolford," said Tompkins.

"Yes, very fine. How is business?"

"Dull--terribly dull. I have never known such a business season.
There is absolutely nothing doing."

Wolford made no reply.

"I suppose you have plenty of money to lend," remarked the merchant,
hardly knowing why he said so.

"No--not a dollar. It's tight with me as well as it is with you. And
this brings me to the subject-matter of my visit. You are no doubt
aware that, according to the terms of the loan, you are to return my
fifteen thousand dollars in a few days?"

"Yes, I am aware of it. Must you have it all?"

"Every dollar; and I want three times as much, if I can get it."

"I was in hope you would renew the loan, Mr. Wolford."

"That's impossible."

"I really don't see how I am to raise fifteen thousand dollars in a
few days--these times."

"You have had long enough to make it up, I am sure. You knew very
well that the loan would come due next week, and that it was only
for one year."

"Yes, I knew all that, very well."

"And yet you are not pre