"Wa'al, it turned out jest 's any fool might 've predilictid, fer after the first year, when I reckon he paid it out of the thousan', Charley never paid no int'rist. The second year he was jes' gettin' goin', an' the next year he lost a hoss jest 's he was cal'latin' to pay, an' the next year the grasshoppers smote him, 'n so on; an' the outcome was that at the end of five years, when the morgige had one year to run, Charley'd paid one year, an' she'd paid one, an' she stood to owe three years' int'rist. How old Swinney come to hold off so was that she used to pay the cuss ten dollars or so ev'ry six months 'n git no credit fer it, an' no receipt an' no witniss, 'n he knowed the prop'ty was improving all the time. He may have had another reason, but at any rate he let her run, an' got the shave reg'lar. But at the time I'm tellin' you about he'd begun to cut up, an' allowed that if she didn't settle up the int'rist he'd foreclose, an' I got wind on't an' I run across her one day an' got to talkin' with her, an' she gin me the hull narration. 'How much do you owe the old critter?' I says. 'A hunderd an' eighty dollars,' she says, 'an' where I'm goin' to git it,' she says, 'the Lord only knows.' 'An' He won't tell ye, I reckon,' I says. Wa'al, of course I'd known that old Swinney had a morgidge because it was a matter of record, an' I knowed him well enough to give a guess what his game was goin' to be, an' more'n that I'd had my eye on that piece an' parcel an' I figured that he wa'n't any likelier a citizen 'n I was." ("Yes," said John to himself, "where the carcase is the vultures are gathered together.") "'Wa'al,' I says to her, after we'd had a little more talk, 's'posen you come 'round to my place to-morro' 'bout 'leven o'clock, an' mebbe we c'n cipher this thing out. I don't say positive that we kin,' I says, 'but mebbe, mebbe.' So that afternoon I sent over to the county seat an' got a description an' had a second morgige drawed up fer two hundred dollars, an' Mis' Cullom signed it mighty quick. I had the morgige made one day after date, 'cause, as I said to her, it was in the nature of a temp'rary loan, but she was so tickled she'd have signed most anythin' at that pertic'ler time. 'Now,' I says to her, 'you go an' settle with old Step-an'-fetch-it, but don't you say a word where you got the money,' I says. 'Don't ye let on nothin'--stretch that conscience o' your'n if nes'sary,' I says, 'an' be pertic'ler if he asks you if Dave Harum give ye the money you jes' say, "No, he didn't." That won't be no lie,' I says, 'because I ain't _givin_' it to ye,' I says. Wa'al, she done as I told her. Of course Swinney suspicioned fust off that I was mixed up in it, but she stood him off so fair an' square that he didn't know jes' what _to_ think, but his claws was cut fer a spell, anyway. [Illustration: DAVID HARUM, Act II]