"Then," I continued eagerly, "we'll find out the best ways to get to all these fishing grounds--fishing waters, I mean," I said, as they all began to laugh. "In addition to that, we'll find out where to stay; where to pitch a tent if necessary, where supplies can be bought, and anything else that will help the fisherman to know where to go, what to catch, where to live while there, and, most important of all for us, what kind of tackle to use to catch the fish he's after." "In other words," I said, triumphantly, "we'll make ourselves experts on fishing, so that people wanting to know when the ice is off the lake, or when the season is 'on' or 'off'--where fishing is reported good or poor; or what flies are in the market--will naturally gravitate to our store." They all became enthusiastic over the plan, and Charlie promised to have the data all ready by the end of the week. Jimmie then asked what we purposed doing about baseball goods and other sporting goods. We decided, much to his disappointment, that, while we ought to have them, we couldn't manage it that year. "Barlow's already got 'em," said Larsen. "Too late now. Cream of trade already drunk by 'pussy' Barlow." I felt vexed to think we had lost our chance on them, just because I had not thought ahead sufficiently. The next day, I had quite a disturbing talk with Jock McTavish. Betty had told him about my endorsing a note for five hundred dollars for my old school chum, Larry Friday. "Ye see," said Jock, "your credit is no' too good." I was about to protest, indignantly, when Jock continued, "Bide a wee, lad, and let me hae my say. "Let's see what your live assets are," he continued. "There's your beesiness, o' course; but your bank account is only sufficient--barely sufficient, ye ken--tae meet your bills and current expenses. As a matter o' fact," he said gravely, "ye lost some discount last month for no' paying in ten days. I've told ye before never to lose discount. Borrow the money first. It pays to borrow money at six per cent. per year to make it earn two per cent. in ten days--or thirty-six per cent. per year." "Yes, yes," I said, impatiently, "you've told me that before." "Exactly," said Jock, "but ye didna do it--and knowing ye ought to isn't worth a piper's squeal--unless ye do it. "Then," he went on, "ye hae the farm--or rather ye haven't, since Blickens holds the mortgage on it--and makin' ye pay ten per cent. interest as weel. "So your quick assets are practically nothing. And here ye are, Black, wi' no quick assets--and increasing liabilities (I blushed a bit at that, for I knew he was referring to Betty) ye go and add to your difficulties by adding a potential liability o' five hundred dollars." "That's nonsense," I retorted. "Friday's as good as gold for it, and I've not the least chance of having to meet the note." "That's what they aw' say until--" this from Jock.