Mr. David Chalker was a solicitor and, according to his friends, who were proud of him, a sharp practitioner. He was, in fact, one of those members of the profession who, starting with no connection, have to make business for themselves. This, in London, they do by encouraging the county court, setting neighbors by the ears, lending money in small sums, fomenting quarrels, charging commissions, and generally making themselves a blessing and a boon to the district where they reside. But chiefly Mr. Chalker occupied himself with lending money. "Now, Mr. Emblem," he said, not in a menacing tone, but as one who warns; "now, Mr. Emblem." "Now, Mr. Chalker," the bookseller repeated mildly. "What are you going to do for me?" "I got your usual notice," the old bookseller began, hesitating, "six months ago." "Of course you did. Three fifty is the amount. Three fifty, exactly." "Just so. But I am afraid I am not prepared to pay off the bill of sale. The interest, as usual, will be ready." "Of course it will. But this time the principal must be ready too." "Can't you get another client to find the money?" "No, I can't. Money is tight, and your security, Mr. Emblem, isn't so good as it was." "The furniture is there, and so is the stock." "Furniture wears out; as for the stock--who knows what that is worth? All your books together may not be worth fifty pounds, for what I know." "Then what am I to do?" "Find the money yourself. Come, Mr. Emblem, everybody knows--your grandson himself told me--all the world knows--you've been for years saving up for your granddaughter. You told Joe only six months ago--you can't deny it--that whatever happened to you she would be well off." Mr. Emblem did not deny the charge. But he ought not to have told this to his grandson, of all people in the world. "As for Joe," Mr. Chalker went on, "you are going to do nothing for him. I know that. But is it business like, Mr. Emblem, to waste good money which you might have invested for your granddaughter?" "You do not understand. Mr. Chalker. You really do not, and I cannot explain. But about this bill of sale--never mind my granddaughter." "You the aforesaid Richard Emblem"--Mr. Chalker began to recite, without commas--"have assigned to me David Chalker aforesaid his executors administrators and assigns all and singular the several chattels and things specifically described in the schedule hereto annexed by way of security for the payment of the sum of three hundred and fifty pounds and interest thereon at the rate of eight per cent. per annum." "Thank you, Mr. Chalker. I know all that." "You can't complain, I'm sure. It is five years since you borrowed the money." "It was fifty pounds and a box of old law books out of your office, and I signed a bill for a hundred." "You forget the circumstances." "No, I do not. My grandson was a rogue. One does not readily forget that circumstance. He was also your friend, I remember." "And I held my tongue."