West reflected for some minutes in silence. The faint expression of hope that had for an instant lighted up his countenance vanished. He understood the money-lender and his proposition. A sufficiently clear remembrance of the tables of life assurance which he had seen, enabled him to perceive that the interest and premiums together would amount to nearly twenty per cent., and that the bond engaged his security to pay an annuity for his (West's) life of that amount. It is true that, full of energy and hope, he felt no doubt of his capacity to meet the payments regularly: it is true that, monstrous as were the terms, he would have accepted eagerly still harder ones, had it simply depended on his own decision. But where find, or how ask, a friend to become his bondsman? He ran over in despair the scanty list of acquaintances whom his poverty had not already caused to forget him. He felt that the thing was impossible. There was not one he could think of who would have even dreamed of entering into such a compact. He turned desperately to the money-lender. "I have no friend," he said, "of whom I could or would ask such a service. If I had, I should not be here. Are there _no_ terms, however high, on which you can lend me even the most trifling sum, for which I myself alone need be responsible?" "None," replied the usurer, already commencing his letter. "I will give thirty per cent.?" "Impossible." "Fifty?" The usurer shook his head impatiently. "A hundred--cent. per cent.?" "No!" The strange seeker of loans at length rose to depart. He reached the door. Suddenly he turned back, his eyes blazing with the sombre radiance of despair. He strode up to the table, and planted himself, with folded arms, immediately in front of the usurer. "Mark me!" said West, in a tone of deep suppressed passion, like the hollow murmur of the sea before a storm: "It is a question of life or death with me to get money before sunset. Lend me only twenty pounds, and within twelve months I will repay you one hundred. I will give you every power which the law can give one man over another; and I will pledge my honor, which never yet was questioned, to the bargain!" The usurer almost smiled, so strangely sarcastic was the contraction of his features, as he listened to these words. "I do not question your honor," he said, icily, "but honor has nothing to do with business. As for the law, there is an old axiom which says, Out of nothing, nothing comes." Bernard West regarded the cold rocky face and the passionless mouth from which these words proceeded with that stinging wrath a man feels who has humiliated himself in vain. Nevertheless he clung to the old flinty usurer as to the last rock in a deluge, and a sense of savage recklessness came over him when he advanced yet closer to the living cash-box before him, while the latter shrank half-terrified before the burning gaze of his visitor's dilated pupils.