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Rh what more meddlesome between friends than a loan? A regular marplot. For how can you help that the helper must turn out a creditor? And creditor and friend, can they ever be one? no, not in the most lenient case; since, out of lenity to forego one's claim, is less to be a friendly creditor than to cease to be a creditor at all. But it will not do to rely upon this lenity, no, not in the best man; for the best man, as the worst, is subject to all mortal contingencies. He may travel, he may marry, he may join the Come-Outers, or some equally untoward school or sect, not to speak of other things that more or less tend to new-cast the character. And were there nothing else, who shall answer for his digestion, upon which so much depends ?"

"But Charlie, dear Charlie—"

"Nay, wait.—You have hearkened to my story in vain, if you do not see that, however indulgent and right-minded I may seem to you now, that is no guarantee for the future. And into the power of that uncertain personality which, through the mutability of my humanity, I may hereafter become, should not common sense dissuade you, my dear Frank, from putting yourself? Consider. Would you, in your present need, be willing to accept a loan from a friend, securing him by a mortgage on your homestead, and do so, knowing that you had no reason to feel satisfied that the mortgage might not eventually be transferred into the hands of a foe? Yet the difference between this man and that man is not so great as the difference between what the same man be to-day and