"I think I must agree with you in that," answered Duncan. "In view of the circumstances—which, I may remind you, are of your own making—I really think you ought not to have expected courtesy at my hands. Suppose we get down to business instead. What have you to suggest by way of arranging your affairs with the bank?"

"I don't know. I came here hoping and expecting that in view of all the circumstances you might be willing to let this matter of my loans from the bank rest between ourselves for a time."

Duncan was outwardly calm now, but inwardly he was in a towering rage, for Tandy's presence reminded him bitterly of the way in which the ex-banker had tried first to corrupt him and then to blast his reputation with a lie; and Tandy's manner clearly enough indicated that he had come to the bank in full expectation of warping him to his will in another matter involving his duty and his honor.

"How do you mean to 'let it rest'?" he asked, carefully controlling his voice.

"Oh, you understand, or you would if you knew anything of banking."

"I will trouble you to omit all discussion of my knowledge or my ignorance. Your account with this bank is at present in a shape forbidden by law. It must be adjusted at once. That is all that concerns me in the case. Please confine yourself to that."

Tandy became placative and apologetic.

"You must really pardon me, Mr. Duncan. This thing has knocked me out a good deal—it came upon me so suddenly and unexpectedly. I make my apologies if I have said anything to offend. But is there nothing I can do to fix the thing up—so that the bank can carry it for me till I can turn around? You see these things are so customary in banks that it never occurred to me that you would insist upon the strict letter of the law."

"I have taken an oath," answered Duncan, "to obey and enforce the strict letter of the law in the administration of this bank's affairs—just as you did when you were president here. I, at least, intend to respect my oath."

"What do you require of me?"