While the old crone thus garrulously related the secret of her miserly thrift, the doctor was pondering over a scheme which he had already matured. "Well, my good woman," he said, "it is not my business to tell upon you. I will not bring you into disgrace. I will not reproach you. From me, at least, you shall suffer nothing." "Thank you, dear, kind, good doctor!" "Will you not pay me something on my account?" he inquired. "Oh, yes, doctor." As she spoke she rose from her seat and went to a cupboard, from which she took a little box and unlocked it. In this box were contained two savings-bank books. How extremely cunning this old lady had been! How well, for one in her position, and at her age, did she understand that difficult rule of prudently investing money! She laid these books before the doctor, again imploring him not to let any body know of her hoard. "I will give you 10_l._, doctor," she said, "as soon as I can draw it out from the savings-bank." "I am much obliged to you," observed the surgeon meekly. The old woman was struck, perhaps flattered, by the comparative humbleness with which the doctor acknowledged the proffered money. That acknowledgment reduced him to something like the level of his patient. The confidence at this moment became that of friends; and, when the sea of conventionality had been bridge over, the two talked _tête-a-tête_. The doctor pointed out to the old woman the perils she ran, by fire, robbery, or other accident, of having her books destroyed, and the evidence of her investment, or that investment itself, obliterated. She listened to this demonstration with greediness and anxiety. She saw the force, not to say truthfulness or disinterestedness, of the suggestion. He pointed out to her the comparative profitlessness of the mode of investment she had selected. He told her that money was worth twice, thrice, fourfold, or even tenfold, under careful, judicious management, the amount she was receiving for it. The greediness of the old woman was aroused. There is nothing so tempting to the over-thrifty and penurious or miserly person as the offer of large interest. This is a weakness they share with the common usurer, who is met with in the ordinary walks of society. I believe it would be possible to cheat an ordinary Jew bill-discounter, or the most subtle and acute of Christian usurers, by the temptation of large interest, and a little manipulation of their great ruling instinct of greediness. The pauper patient, before this interview had been concluded, entreated her good kind doctor to lend her the benefit of his extreme practical sagacity, great worldly experience, and unmistakable judgment, in the investment of the moneys which had been saved up by her. After a little hesitation, he agreed to comply with her request.