"In short, gentlemen, when I engaged in this business, I determined to carry it on with such spirit, as would either make my fortune, or entirely ruin me in a little time; and hitherto my endeavours have been tolerably successful. Nor do I think my proceedings a whit more criminal or unjust than those of other merchants, who strive to turn their money to the best account. The commodity I deal in is cash; and it is my business to sell it to the best advantage. A London factor sends a cargo of goods to market, and if he gets two hundred per cent upon the sale, he is commended for industry and address. If I sell money for one-fourth part of that profit, certain persons will be so unjust as to cry, Shame upon me, for taking such advantage of my neighbour's distress; not considering, that the trader took four times the same advantage of those people who bought his cargo, though his risk was not half so great as mine, and although the money I sold perhaps retrieved the borrower from the very jaws of destruction. For example, it was but yesterday I saved a worthy man from being arrested for a sum of money, for which he had bailed a friend who treacherously left him in the lurch. As he did not foresee what would happen, he had made no provision for the demand, and his sphere of life secluding him from all sorts of monied intercourse, he could not raise the cash by his credit in the usual way of borrowing; so that, without my assistance, he must have gone to jail; a disgrace which would have proved fatal to the peace of his family, and utterly ruined his reputation.--Nay, that very young gentleman, from whom I am just now parted, will, in all probability, be indebted to me for a very genteel livelihood. He had obtained the absolute promise of being provided for by a great man, who sits at the helm of affairs in a neighbouring kingdom; but, being destitute of all other resources, he could not have equipped himself for the voyage, in order to profit by his lordship's intention, unless I had enabled him to pursue his good fortune." Renaldo was not a little pleased to hear this harangue, to which Fathom replied with many florid encomiums upon the usurer's good sense and humane disposition; then he explained the errand of his friend, which was to borrow three hundred pounds, in order to retrieve his inheritance, of which he had been defrauded in his absence.