Then Todd said, "Albert, do I understand you to say that this statement you made and said you had heard from the bankers, you admit having made, and now say that you did not hear it, and that it was a lie"? To which he replied, "Yes," and burst into tears. That ended the interview and thereafter the Caines were ostracised by our circle of friends. A little later Mrs. Caine commenced suit. Just to tease her I fought the case, claiming that while guaranteeing against loss, I had not guaranteed profits, and that these should be deducted. After keeping her on the "anxious seat" for about two years she secured a judgment for the full amount, and she owns to-day the only judgment against me. She would have had more money now had she remained a friend. There were two of my liabilities that distressed me far more than the others and one of these caused me the keenest anguish of mind. At the time of the settlement of the Slater estate, Mr. Pell, Mrs. Slater's father, was a creditor for fourteen thousand dollars. Frank had been using this money and had paid Mr. Pell ten per cent. per annum on it, not regarding it as a matter of interest, but merely to give the old gentleman, who was out of business and becoming feeble, a certain amount of income. Mr. Pell asked me as a favor to take this money and do the same for him as Frank had been doing. I did so, and later he added two thousand dollars to the amount, so that I owed him in all sixteen thousand dollars. The other liability was for twenty-five thousand dollars due to Mrs. Slater. There had been a time a year or two back when temporarily my resources were pretty well tied up, and I then borrowed this amount of Mrs. Slater. When I asked her at the time if she wanted to help me out, she replied, "I am only too delighted, Walter, to do anything you ask," and she meant it. The loan was made without security and was an act of purest friendship. To make it she had to withdraw the money from her invested funds and of course I told her this would not diminish her income. It was this liability to Mrs. Slater that caused me such torture of mind. The one thing that slightly relieved this feeling was the knowledge that neither she nor Mr. Pell wanted the money. If the income could be kept up, and this I hoped to accomplish, I could take my own time for repayment of the principal. My mail was crowded for days with letters of sympathy. Practically all our out-of-town customers wrote us, and to their kindly expressions of regret for our disaster was added the hope that we would continue in business, and promises of hearty support in the matter of sending us their orders.