"Mr. Edgar, I advised a young mechanic who has been in business for a short time, and who has to take notes for his work, to call on you for the purpose of getting them cashed. He has no credit in bank, and is, therefore, compelled to go upon the street for money. Most of his work is taken by one of the safest houses in the city; his paper is, therefore, as good as any in market. Deal as moderately with him as you can. He knows little about these matters, or where to go for the accommodation he needs." "Is he an industrious and prudent young man?" inquired Mr. Edgar, caution and cupidity at once excited. "He is." "What's his name?" "Blakewell." "Oh, I know him. Very well; send him along, and if his paper is good, I'll discount it." "You'll find it first-rate," said the gentleman. "How much shall I charge him?" This was Mr. Edgar's first thought, so soon as he was alone. Even as he asked himself the question, the young mechanic entered. "You take good paper, sometimes?" said the latter, in a hesitating manner. The countenance of Mr. Edgar became, instantly, very grave. "Sometimes I do," he answered, with assumed indifference. "I have a note of Leyden & Co.'s that I wish discounted," said Blakewell. "For how much?" "Three hundred dollars--six months;" and he handed Mr. Edgar the note. "I don't like over four months' notes," remarked the money-lender, coldly. Then he asked, "What rate of interest do you expect to pay?" "Whatever is usual. Of course, I wish to get it done as low as possible. My profits are not large, and every dollar I pay in discounts is so much taken from the growth of my business and the comfort of my family." "You have a family?" "Yes, sir. A wife and four children." Mr. Edgar mused for a moment or two. An unselfish thought was struggling to get into his mind. "What have you usually paid on this paper?" he asked. "The last I had discounted cost me one and a half per cent. a month." "Notes of this kind are rarely marketable below that rate," said Mr. Edgar. He had thought of exacting two per cent. "If you will leave the note, and call round in half an hour, I will see what can be done." "Very well," returned the mechanic. "Be as moderate with me as you can." For the half hour that went by during the young man's absence, Mr. Edgar walked the floor of his counting-room, trying to come to some decision in regard to the note. Love of gain demanded two per cent. a month, while a feeble voice, scarcely heard so far away did it seem, pleaded for a generous regard to the young man's necessities. The conflict taking place in his mind was a new one for the money-lender. In no instance before had he experienced any hesitation on the score of a large discount. Love of gain continued clamorous for two per cent. on the note; yet, ever and anon, the low voice stole, in pleading accents, to his ears.