"Is it possible, Mr. Jones," he said, his voice as husky and tremulous as mine was when I called upon him an hour or two before, "that you have suffered your note to lie over!"

"Did I not inform you that such would be the case?" I replied, with assumed sternness of voice and manner. The boot was on the other leg, and I was not slow in recognising the fact.

"But what do you intend to do, Mr. Jones? What is the state of your affairs?"

"At the proper time, I will inform you," I answered, coldly. "You have driven me into a protest, and you must stand the consequences."

"Are your affairs desperate, Mr. Jones?" The creditor became almost imploring in his manner.

"They will probably become so now. Does a man's note lie over without his affairs becoming desperate?"

"Perhaps"—

There was a pause. I looked unflinchingly into the man's face.

"If we extend this note, and keep the matter quiet, what then?"

"It won't do," I returned. "More than that will be required to save me."