"But look here, Captain, there's a way we have of settling debts like these, by agreeing with the creditors to pay a certain per cent. They are generally glad enough to get even a small fraction of what they supposed was dead loss. It's a very sensible arrangement all around."

"But it doesn't suit me," returned Richard emphatically. "Florin for florin, it shall all be paid as fast as I get the money. I can't cheat the poor people out of their just dues, even if I have to go hungry to pay them."

"Incorrigible!" exclaimed the other. "Remember, you are no longer a bachelor; you must think of your changed circumstances. Well, well, don't heat yourself. We'll say no more about it, but pass on to consider how all these debts are to be paid."

So saying, he marked off two parallel columns on the table, over one of which he wrote, "Debit," and over the other, "Credit."

"In the first place," began Richard, "I receive a hundred florins monthly from my mother, half of which is to go to my creditors."

"Half of it? and does your wife agree to that?"

"Oh, yes," Edith hastened to reply.

Solomon made an entry in the second column.

"Fifty florins more will come to me monthly as wages for my work in the machine-shop," continued Richard. "Half of it I shall use toward paying my debts, and the other half is for my wife's wardrobe."

"But how can I ever spend so much?" interposed Edith. "Your dear, good mother sent me so many dresses for wedding presents that I never can wear them out. Let it all go to your creditors." She would give the two no peace until Solomon had written down the whole amount.