“I will give you them exactly in his own words,” said the father; “for he has written his Summary in French, you know, ‘that it may be understood by everybody,’ as he says in the preface: ‘The person from whom the loan is asked, must answer, then, in this manner: I have got no money to _lend_; I have got a little, however, to lay out for an honest and lawful profit. If you are anxious to have the sum you mention in order to make something of it by your industry, dividing the profit and loss between us, I may perhaps be able to accommodate you. But now I think of it, as it may be a matter of difficulty to agree about the profit, if you will secure me a certain portion of it, and give me so much for my principal, so that it incur no risk, we may come to terms much sooner, and you shall touch the cash immediately.’ Is not that an easy plan for gaining money without sin? And has not Father Bauny good reason for concluding with these words: ‘Such, in my opinion, is an excellent plan by which a great many people, who now provoke the just indignation of God by their usuries, extortions, and illicit bargains, might save themselves, in the way of making good, honest, and legitimate profits?’” “O sir!” I exclaimed, “what potent words these must be! Doubtless they must possess some latent virtue to chase away the demon of usury which I know nothing of, for, in my poor judgment, I always thought that that vice consisted in recovering more money than what was lent.” “You know little about it indeed,” he replied. “Usury, according to our fathers, consists in little more than the intention of taking the interest as usurious. Escobar, accordingly, shows you how you may avoid usury by a simple shift of the intention. ‘It would be downright usury,’ says he, ‘to take interest from the borrower, if we should exact it as due in point of justice; but if only exacted as due in point of gratitude, it is not usury. Again, it is not lawful to have directly the intention of profiting by the money lent; but to claim it through the medium of the benevolence of the borrower—_media benevolentia_—is not usury.’ These are subtle methods; but, to my mind, the best of them all (for we have a great choice of them) is that of the Mohatra bargain.” “The Mohatra, father!” “You are not acquainted with it, I see,” returned he. “The name is the only strange thing about it. Escobar will explain it to you: ‘The Mohatra bargain is effected by the needy person purchasing some goods at a high price and on credit, in order to sell them over again, at the same time and to the same merchant, for ready money and at a cheap rate.’ This is what we call the Mohatra—a sort of bargain, you perceive, by which a person receives a certain sum of ready money, by becoming bound to pay more.” “But, sir, I really think nobody but Escobar has employed such a term as that; is it to be found in any other book?”