"I think you made it yourself."

"Don't be impudent. We must return to Chicago at once."

"That's one of my sentiments exactly," I replied. "Shall we weigh anchor now?"

"Yes, if you like, though there is no wind. I told you Mr. Collingsby didn't know anything about the business, and would be alarmed at your ridiculous statements."

"He knows all about the business now, and, as you say, he is a great deal alarmed."

"I assure you, Phil, upon my honor, that everything about the business is all right. You have made another blunder."

"I wish I had."

"You have."

"You drew the balance at the bank, and discounted over thirty thousand dollars' worth of notes."

"I did; and as a member of the firm, I had a perfect right to do so. I had a chance to make fifty thousand on one lot of lumber. I was not to be prevented from doing so by a whim of my partner. He prefers generally to furnish money, rather than put our business paper on the market. I gave him the opportunity to do so. He refused, and I raised the money as I could. This is simply a question between Mr. Collingsby and me. When he wishes to dissolve, I'm ready."