And the consummate casuist went on working a congenial vein until a less miserable sinner might have been persuaded that he had done nothing really dishonourable; but young Garland had the grace neither to make nor to accept any excuse for his own conduct. I never heard a man more down upon himself, or confession of error couched in stronger terms; and yet there was something so sincere and ingenuous in his remorse, something that Raffles and I had lost so long ago, that in our hearts I am sure we took his follies more seriously than our own crimes. But foolish he indeed had been, if not criminally foolish as he said. It was the old story of the prodigal son of an indulgent father. There had been, as I suspected, a certain amount of youthful riot which the influence of Raffles had already quelled; but there had also been much reckless extravagance, of which Raffles naturally knew less, since your scapegrace is constitutionally quicker to confess himself as such than as a fool. Suffice it that this one had thrown himself on his father's generosity, only to find that the father himself was in financial straits. "What!" cried Raffles, "with that house on his hands?" "I knew it would surprise you," said Teddy Garland. "I can't understand it myself; he gave me no particulars, but the mere fact was enough for me. I simply couldn't tell my father everything after that. He wrote me a cheque for all I did own up to, but I could see it was such a tooth that I swore I'd never come on him to pay another farthing. And I never will!" The boy took a sip from his glass, for his voice had faltered, and then he paused to light another cigarette, because the last had gone out between his fingers. So sensitive and yet so desperate was the blonde young face, with the creased forehead and the nervous mouth, that I saw Raffles look another way until the match was blown out. "But at the time I might have done worse, and did," said Teddy, "a thousand times! I went to the Jews. That's the whole trouble. There were more debts--debts of honour--and to square up I went to the Jews. It was only a matter of two or three hundred to start with; but you may know, though I didn't, what a snowball the smallest sum becomes in the hands of those devils. I borrowed three hundred and signed a promissory note for four hundred and fifty-six." "Only fifty per cent!" said Raffles. "You got off cheap if the percentage was per annum." "Wait a bit! It was by way of being even more reasonable than that. The four hundred and fifty-six was repayable in monthly instalments of twenty quid, and I kept them up religiously until the sixth payment fell due. That was soon after Christmas, when one's always hard up, and for the first time I was a day or two late--not more, mind you; yet what do you suppose happened? My cheque was returned, and the whole blessed balance demanded on the nail!"