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 balance sheet and proved that they could have their 20 s. in the pound. Again if the creditors wanted to sell the business to some one else, Kachhalia was ready to hand over the goods and the book debts to the purchaser. If this did not suit them, the creditors could take over the stock in Kachhalia’s shop at cost price, and if any part of their dues still remained unsatisfied, they were free to take over book debts due to him sufficient to cover the deficit. The reader can see that in agreeing to this arrangement the European merchants had nothing to lose. I had on many previous occasions effected such arrangements with the creditors of some of my clients who were hard pressed. But the merchants at this juncture did not seek justice. They were out to bend Kachhalia. Kachhalia would not bend, bankruptcy proceedings were instituted against him, and he was declared an insolvent, though his estate showed a large excess of assets over liabilities.

Far from being a blot upon his escutcheon this insolvency was perfectly honourable to him. It enhanced his prestige among the community and all congratulated him upon his firmness and courage. But such heroism is rarely found. The man in the street cannot understand how insolvency can cease to be insolvency, cease to be a disgrace and become an honour and an ornament, but Kachhalia realized it at once. Many traders had submitted to the Black Act merely from a fear of insolvency. Kachhalia could have warded off the insolvency if he had wished, not by leaving the struggle,—that was out of the question,—but by borrowing from his many Indian friends who would have gladly helped him over the crisis. But it would not have been becoming in him to have saved his trade by such means. The danger of being any day clapped into gaol he shared in common with all Satyagrahis. It would therefore be hardly proper for him to borrow from a fellow Satyagrahi to pay his European creditors. But among his friends there were ‘blacklegs’ also whose help was available. Indeed one or two of them actually offered assistance. But to accept their offer would