The twenty thousand marks were procured at an interest of thirty-five per cent. At first Eberhard refused to sign the note. He would not touch it until Herr Carovius had assured him that it was not to be converted into currency, that it could be redeemed with new loans at any time, and that it would lie in his strong-box as peacefully as the bones of the Auffenberg ancestors rested in their vaults. Eberhard, tired of this flood of words, yielded. Every time he signed his name he had a feeling that the danger into which he was walking was becoming greater. But he was too lazy to defend himself; he was too aristocratic to interest himself in petty explanations; and he was simply not capable of living on a small income. The endorsed notes were presented as a matter of warning; new loans settled them; new loans made new notes necessary; these were extended; the extensions were costly; an uncanny individual shielded in anonymity was taken into confidence. He bought up mortgages, paid for them in diamonds instead of money, and sold depreciated stocks. The debts having reached a certain height, Herr Carovius demanded that Eberhard have his life insured. Eberhard had to do it; the premium was very high. In the course of three years Eberhard had lost all perspective; he could no longer survey his obligations. The money he received he spent in the usual fashion, never bothered himself about the terms on which he had secured it, and had no idea where all this was leading to and where it was going to end. He turned in disgust from Herr Carovius’s clumsy approaches, malicious gibes, and occasional threats. What an insipid smile he had! How fatuous, and then again how profound, his conversation could be! He took upon himself the impudent liberty of running in and out at Eberhard’s whenever he felt like it. He bored him with his discussion of philosophic systems, or with miserable gossip about his neighbours. He watched him day and night. He followed him on the street. He would come up to him and cry out, “Herr Baron, Herr Baron!” and wave his hat. His solicitude for Eberhard’s health resembled that of a gaoler. One evening Eberhard went to bed with a fever. Herr Carovius ran to the physician, and then spent the whole night by the bedside of the patient, despite his entreaties to be left alone. “Would it not be well for me to write to your mother?” he asked, with much show of affection on the next morning when he noticed that the fever had not fallen. Eberhard sprang from his bed with an exclamation of rage, and Herr Carovius left immediately and unceremoniously.