A collection agency draft notifies the banks--those great institutions of finance--that there is serious doubt regarding the way you pay your honest obligations. The bank will take note of it. From there the information quietly passes to the various Mercantile Agencies, Dun's, Bradstreet's, Martindale's. And this is ONLY ONE cog in the wheel of ARROW SERVICE. Our reports cover the whole field of credit reporting. Your continued indifference to our requests for payment has forced us to consider this action. The draft, with a full history of the debt leaves our office in five days unless your check is received in the meantime. Let your better judgement guide you, and pay this account without any more trouble or expense. Yours very truly--MEMBERS: Retail Credit Men's National Association. Commercial Law League of America. Rotary International. O Rotary International! At this, De Soto, sick, after all the months of travel, stopped out of breath and looked about him. Hundreds of miles he had travelled through morass after morass, where the trees were so thick that one could scarcely get between them, over mountain and river but never did he come to the other side. The best he had done was to locate a river running across his path, the greatest he had ever seen or heard of, greater than the Nile, greater than the Euphrates, no less indeed than any. Here he had confronted the New World in all its mighty significance and something had penetrated his soul so that in the hour of need he had turned to this Mighty River rather than to any other thing. Should it come to the worst he had decided what to do. Out of the tangle around him, out of the mess of his own past the river alone could give him rest. Should he die his body should be given to this last resting place. Into it Europe should pass as into a new world. Near the shore he saw a school of small fish which seemed to look at him, rippling the water as they moved out in unison. Raising his heavy head De Soto gave the order to proceed. Four of the men lifted him on an improvised stretcher and the party, headed by the Indians, started again north along the bank. The whole country was strange to them. But there at the edge of that mighty river he had seen those little fish who would soon be eating him, he, De Soto the mighty explorer--He smiled quietly to himself with a curious satisfaction. CHAPTER XIII [Illustration]