About this time an incident happened which, while not possessing any very vivid interest, so affected his after life as to be at least deserving of passing notice. Schopenhauer was then in his thirty-first year. On coming of age, he had received his share of his father's property, some of which he securely invested, but the greater part he deposited at high interest with a well-known business house in Dantzic. When leaving for Italy, he took from this firm notes payable on demand for the amount which they held to his credit, and after he had cashed one of their bills, learned that the firm was in difficulties. Shortly after, they suspended payment, offering thirty per cent. to those of their creditors who were willing to accept such an arrangement, and nothing to those who refused. All the creditors accepted save Schopenhauer, who, with the wile of a diplomat, wrote that he was in no hurry for his money, but that perhaps if he were made preferred creditor he might accept a better offer. His debtors fell into the trap, and offered him first fifty, and then seventy per cent. These offers he also refused. "If," he wrote, "you offer me thirty per cent. when you are able to pay fifty, and fifty per cent. when you are able to pay seventy, I have good reason to suspect that you can pay the whole amount. In any event, my right is perennial. I need not present my notes until I care to. Settle with your other creditors, and then you will be in a better position to attend to me. A wise man watches the burning phoenix with a certain pleasure, for he well knows what that crafty bird does with its ashes. Keep my money, and I will keep your drafts. When your affairs are straightened either we will exchange, or you will be arrested for debt. I am, of course, very sorry not to be able to oblige you, and I dare say you think me very disagreeable, but that is only an illusion of yours, which is at once dispelled when you remember that the money is my own, and that its possession concerns my lifelong freedom and well-being. You will say, perhaps, that if all your creditors thought as I do, it would be deuced hard for me. But if all men thought as I do, not only would more be thought, but there would probably be neither bankrupts nor swindlers. Machiavelli says, Giacchè il volgo pensa altrimente,--although the common herd think otherwise,--ma nel mondo non é se non volgo,--and the world is made up of the common herd,--e gli pocchi ivi luogo trovano,--yet the exceptions take their position,--dove gli molti stare non possono,--where the crowd can find no foot-hold."