"Ah, Master Fink," he said, without a trace of displeasure in his face, "you will have your joke, you will have your joke."

"Yes," said I to myself, "and I intend to enjoy it, and profit by it."

But although he urged and urged, I would not immediately do as he wished; I drew him on, and within a week, so eager was he to have his fingers in my pie, he had lent me three thousand florins for two years, without interest. He plumped the money on my counter, and I signed a bond, undertaking to repay it in hard coin on a certain date, and giving Pretzel the power, in case it were not refunded to the minute, to seize my goods and furniture, and sell me up stock and block. In the bond Pretzel had inserted words to the effect that the money was to be handed to him at exactly twelve o'clock in the morning by his own watch.

"Mind," he said, with a little chuckling laugh, "if you are a minute later than twelve o'clock by my watch I shall take possession of all your goods."

"Yes, yes," I said, "I understand. At twelve o'clock on that day you shall receive the money you are kind enough to lend me without interest."

His evil eye never had a slyer, wickeder look in it than when he shook hands with me and wished me good-luck and good-day, leaving his three thousand florins behind him. With his money tied up in a bag I went immediately to the State Bank and deposited it upon interest, and there I let it remain, without Pretzel or any person outside the bank knowing anything of the transaction. From time to time Pretzel looked in, and asked when my plate glass and my new-fashioned goods were to arrive. I put off his questions with an awkwardness which I intended he should notice. He did notice it, and after some time had passed he said,

"The new watches and chains are a long time coming; I am quite anxious to see them. Remember, I lent you the money to purchase them with."

"No," I said, and I pretended to be much confused, "you did not lend me the money to purchase them with; you simply lent me the money. That is stated in the bond, and it is not stated in what manner I should employ what I borrowed of you. A good speculation offered itself to me, and I have invested in it."

"Master Fink," he said, severely, "it was understood, if the money was spent, that it should be spent in purchasing new stock, so that you might increase your trade."

"I cannot deny it," I answered, "but it was only understood; it was not written down."