"None at all," beamed the Earthman cheerily. "Every item is given to you absolutely free--a gift from the people of Earth. All we ask is that you pay the freight charges on the items. Our purpose is not to make profit, but to spread technology and prosperity throughout the Galaxy. We have already done well on numerous worlds, but working out the full program takes time." He chuckled deeply. "We of Earth have a saying about one of our extremely slow-moving native animals. We say, 'Slow is the tortoise, but sure.' And so with us. Our goal is a long-range one, with the motto, 'Better times with better merchandise.'" * * * * * The engaging manner of the man won Zotul's confidence. After all, it was no more than fair to pay transportation. He said, "How much does the freight cost?" Broderick told him. "It may seem high," said the Earthman, "but remember that Earth is sixty-odd light-years away. After all, we are absorbing the cost of the merchandise. All you pay is the freight, which is cheap, considering the cost of operating an interstellar spaceship." "Impossible," said Zotul drably. "Not I and all my brothers together have so much money any more." "You don't know us of Earth very well yet, but you will. I offer you credit!" "What is that?" asked Zotul skeptically. "It is how the poor are enabled to enjoy all the luxuries of the rich," said Broderick, and went on to give a thumbnail sketch of the involutions and devolutions of credit, leaving out some angles that might have had a discouraging effect. On a world where credit was a totally new concept, it was enchanting. Zotul grasped at the glittering promise with avidity. "What must I do to get credit?" "Just sign this paper," said Broderick, "and you become part of our Easy Payment Plan." Zotul drew back. "I have five brothers. If I took all these things for myself and nothing for them, they would beat me black and blue." "Here." Broderick handed him a sheaf of chattel mortgages. "Have each of your brothers sign one of these, then bring them back to me. That is all there is to it." It sounded wonderful. But how would the brothers take it? Zotul wrestled with his misgivings and the misgivings won. "I will talk it over with them," he said. "Give me the total so I will have the figures." The total was more than it ought to be by simple addition. Zotul pointed this out politely. "Interest," Broderick explained. "A mere fifteen per cent. After all, you get the merchandise free. The transportation company has to be paid, so another company loans you the money to pay for the freight. This small extra sum pays the lending company for its trouble." "I see." Zotul puzzled over it sadly. "It is too much," he said. "Our plant doesn't make enough money for us to meet the payments."