The truth is, Billy had contributed four hundred dollars of the sum Dic was to receive, and four hundred dollars was one-tenth of all Billy's worldly goods.
Dic completed his arrangements with Sampson, which included the privilege of taking twenty horses on his own account, and then, as usual, went to see Billy Little.
"Well, Billy Little," said Dic, joyfully, "I'm going. I've closed with Sampson. He gives me five hundred dollars, and allows me to take twenty horses of my own. I ought to get fine young horses at twenty-five dollars a head."
"Sure," answered Billy, "that would amount to—how many have you of your own?"
"Four," answered Dic.
"Then you'll want to buy sixteen—four hundred dollars. Here is the money," and he handed him a canvas shot-bag containing the gold.
"Now, Billy Little," said Dic, "I want to give you my note for this money, bearing the highest rate of interest."
"All right," responded our backwoods usurer, "I'll charge you twelve per cent. I do love a good interest. There is no Antonio about me. I'll lend no money gratis and bring down the rate of usance. Not I."
The note signed, Dic looked upon himself as an important factor in the commercial world, and felt his obligation less because of the high rate of interest he was paying.
The young man at once began looking for horses, and within three days had purchased sixteen "beauties," as Billy Little called them, which, with his own, made up the number he was to take. His adventurous New York trip raised him greatly in the estimation of Mrs. Bays. It brought her to realize that he was a man, and it won, in a degree, her reluctant respect. The ride over the mountains through rain and mud and countless dangers was an adventure worthy to inspire respect. The return would be easier than the eastward journey. Dic would return from New York to Pittsburg by canal boat and stage. From Pittsburg, if the river should be open, he would go to Madison by the Ohio boats. From Madison he would come north to Columbus on the mail stage, and at Columbus he would be within twenty-five miles of home.