“At first,” I replied, “there would be an alluring snare of graceful words, tea, and the consuming of paper-rolled herbs, and the matter would be lightly spoken of as capable of an easy adjustment; which, indeed, it cannot be denied, is how the detail stands at present. The next position would be that this person, finding himself unable to gather together the equivalent of return within the stated time, would greet you with a very supple neck and pray for a further extension, which would be permitted on the understanding that in the event of failure his garments and personal charms should be held in bondage. To escape so humiliating a necessity, as the time drew near I would address myself to another, one calling himself William, perchance, and dwelling in a northern province, to whom I would be compelled to assign my peach-orchard at Yuen-ping. Then by varying degrees of infamy I would in turn be driven to visit a certain Bevel of the Middle Lands, a person Edge carrying on his insatiable traffic on the southern coast, one Grey elsewhere, and a Mr. Son, of the west, who might make an honourable profession of lending money without any security whatever, but who in the end would possess himself of my ancestral tablets, wives, and inlaid coffin, and probably also obtain a lien upon my services and prosperity in the Upper Air. Then, when I had parted from all comfort in this life, and every hope of affluence in the Beyond, it would presently be disclosed that all these were in reality as one person who had unceasingly plotted to my destruction, and William Beveledge Greyson would stand revealed in the guise of a malevolent vampire. Truly that development has at this moment an appearance of unreality, and worthy even of pooh-pooh, but thus is the warning spread by your own printed papers and the records of your Halls of Justice, and it would be an unseemly presumption for one of my immature experience to ignore the outstretched and warning finger of authority.” “Well, Kong,” he said at length, after considering my words attentively, “I always thought that your mental outlook was a hash of Black Art, paper lanterns, blank verse, twilight, and delirium tremens, but hang me if you aren’t sound on finance, and I only wish that you’d get some of my friends to look at the matter of borrowing in your own reasonable, broad-minded light. The question is, what next?” I replied that I leaned heavily against his sagacious insight, adding, however, that even among a nation of barbarians one who could repeat the three hundred and eleven poems comprising the Book of Odes from beginning to end, and claim the degree “Assured Genius” would ever be certain of a place.