“Take courage,” said the noble‐looking young man in a kindly tone. “You shall be assisted. I am convinced that you are an honest, industrious man, brought to the verge of ruin through no fault of your own. Nor do I blame you for inadvertently falling into the nets of the usurer, for I believe your honest nature never suspected that there could exist so fiendish a monster as the one that lives in the soul of an usurer.” “You may rely upon it, sir. If I had had the slightest suspicion of such a thing, Shund never would have got me into his clutches.” “I am convinced of it. You are partially the victim of your own good nature, and partially the prey of the wild beast Shund. Now listen to me: Suppose somebody were to give you a thousand florins, and to say: ‘Holt, take this money, ’tis yours. Be industrious, get along, be a prudent housekeeper, serve God to the end of your days, and in future beware of usurers’—suppose somebody were to address you in this way, what would you do?” “Supposing the case, sir, although it is not possible, but supposing the case, what would I do? I would do precisely what that person would have told me, and a great deal more. I would work day and night. Every day, at evening prayer, I would get on my knees with my wife and children, and invoke God’s protection on that person. I would do that, sir; but, as I said, the case is impossible.” “Nevertheless, suppose it did happen,” explained Seraphin in a preliminary way. “Give me your hand that you will fulfil the promise you have just given.” For a moment Seraphin’s hand lay in a callous, iron palm, which pressed his soft fingers in an uncomfortable but well‐meant grasp. “Well, now follow me,” said Gerlach. He led the way; Holt followed with an unsteady step like a drunken man. They presented themselves before the banker’s counter. The latter was standing behind the trellis of his desk, and on a table lay ten rolls of money. “You have just now by word and hand confirmed a promise,” said Gerlach, turning to the countryman, “which cannot be appreciated in money, for that promise comprises almost all the duties of the father of a family. But to make the fulfilment of the promise possible, a thousand florins are needed. Here lies the money. Accept it from me as a gift, and be happy.” Holt did not stir. He looked from the money at Gerlach, was motionless and rigid, until, at last, the paralyzing surprise began to resolve itself into a spasmodic quivering of the lips, and then into a mighty flood of tears. Seizing Seraphin’s hands, he kissed them with an emotion that convulsed his whole being. “That will do now,” said the millionaire, “take the money, and go home.” “My God! I cannot find utterance,” said Holt, stammering forth the words with difficulty. “Good heaven! is it possible? Is it true? I am still thinking ’tis only a dream.”