"Oh, yes! You are not fully up to the tricks of trade yet, I see,
shrewd as you are."

"I know well enough how to use money, but I have not yet learned how
to get it."

"That will all come in good time. We are just now getting up a
petition for the charter of a new bank in which I am to be a
director, and I can easily manage to get you in if you will
subscribe pretty liberally to the stock. It is to be called the
People's Bank."

"But I have no money to invest in stock. That would be taking away
instead of adding to my capital in trade, which is light enough in
all conscience."

"There will be no trouble about that. Only an instalment of twenty
cents in the dollar will be necessary to set the institution going.
And not more than ten cents in the dollar will be called in at a
time. After two or three instalments have been paid, you can draw
out two-thirds of the amount on stock notes."

"Indeed! That's the way it's done?"

"Yes. You ought to take about a hundred shares, which will make it
easy for us to have you put into the Board of Directors."

"I'll do it," was the prompt response to this.

"And take my word for it, you will not be many months a bank