“I lend money to gentlemen who are in need of it, that’s all; there’s no harm in it. If I didn’t some one else would.”

“He negotiated loans on terms which varied—as I quickly learned. I had had some experience of usurers; but this was a new type.”

“How new? Circumstances compel one to alter one’s terms—it’s only business.”

“He lent me a little money on what he considered reasonable terms.”

“And so they were—most reasonable. You know yourself they were.”

“‘When you want more,’ he said, ‘you must bring me another name upon the bill.’ I asked, ‘Whose name?’ He said, ‘Your brother’s.’ ‘Do you think my brother would back a bill of mine? He’d see me farther first!’ ‘That,’ he said, ‘is a pity.’ And so it was a pity. Brothers should be friendly; they should help each other; it’s only right.

“‘Come,’ he said, ‘and dine with me.’ I dined. After dinner he began again about the bill. ‘I’ll give you £700 for a three months’ bill for a thousand with your brother’s name on it.’ ‘I tell you that nothing would induce my brother to back a bill of mine.’ ‘If you were to bring me such a bill I shouldn’t ask how it got there.’ Then he looked at me, and I saw what he meant. ‘That’s it, is it? I’ve sailed pretty close to the wind, but I’ve never got quite so far as that.’ He filled himself another glass of wine. ‘You say you want the money badly. The sooner you let me have the bill, the sooner your wants will be relieved.’ I let him have the bill in the morning. At the end of three months there was a storm in the air.”

“I knew nothing of it—he invents it all. The bill was duly met when it was presented.”

“After my brother and I had come pretty near to murder, I was still, as ever, in want of money. But this time it was Bernstein who came to me.

“‘I hear you’re pressed.’ I complimented him on the correctness of his information. ‘It’s no good,’ said he, ‘peddling with hundreds. It’s a good round sum you want to set you clear.’ I admitted it; and wondered where the good round sum was coming from. ‘I tell you what I’ll do,’ he said. ‘You bring me five bills for a thousand each, with your brother’s name on them, and I’ll give you two thousand five hundred for the lot.’ I told him that it couldn’t be done. I’d promised my brother that I wouldn’t play any more tricks with his name, and I meant to keep my word. ‘Ah,’ he said, ‘that’s a pity.’”