“It is.”

“How are you going to build a saw-mill, then? That money won't pay for enough land, let alone the mill.”

“I am going to wait until I save more money; then I shall buy more land and build the mill,” replied Jerome.

“Why not borrow the money?”

Jerome shook his head.

“Suppose I let you have some money at six per cent.; suppose you build the mill, and I take a mortgage on that and the land.”

“No, sir.”

“Why not? If I am willing to trust a young fellow like you with money, what is your objection to taking it?”

“I would rather wait until I can pay cash down, sir,” replied Jerome, sturdily.

“You'll be gray as a badger before you get the money.”