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316 never loan it; and of course the man who calls himself my friend is above receiving alms. The negotiation of a loan is a business transaction. And I will transact no business with a friend. What a friend is, he is socially and intellectually; and I rate social and intellectual friendship too high to degrade it on either side into a pecuniary make-shift. To be sure there are, and I have, what is called business friends; that is, commercial acquaintances, very convenient persons. But I draw a red-ink line between them and my friends in the true sense—my friends social and intellectual. In brief, a true friend has nothing to do with loans; he should have a soul above loans. Loans are such unfriendly accommodations as are to be had from the soulless corporation of a bank, by giving the regular security and paying the regular discount."

"An unfriendly accommodation? Do those words go together handsomely?"

"Like the poor farmer's team, of an old man and a cow—not handsomely, but to the purpose. Look, Frank, a loan of money on interest is a sale of money on credit. To sell a thing on credit may be an accommodation, but where is the friendliness? Few men in their senses, except operators, borrow money on interest, except upon a necessity akin to starvation. Well, now, where is the friendliness of my letting a starving man have, say, the money's worth of a barrel of flour upon the condition that, on a given day, he shall let me have the money's worth of a barrel and a half of flour; especially if I add this further proviso, that if he fail so