He drew out his pad and very methodically began to set down figures as the cattleman talked.  Finally: 

’It’s the bank’s money, not my own, that I’ll be advancing you, you know.  I am pretty well sewed up personally as usual.  Consequently, while I can see you over a few of the immediate bumps in your trail, I can’t give you all that you’ll want.  But I fancy you can get across with it.’  His keen eyes took fresh stock of the cattleman, marking the assertive strength, the clean build, the erect carriage, the hard hands, the lean jaw and finally the steady eyes which always met his own.  The personal equation always counts, perhaps with the banker more than most men imagine, and John Engle found no sign of any deterioration in the security offered by Alan Howard’s personality.  ‘It’s a good thing, anyway,’ he went on, with the first hint of a twinkle in his regard, ’for a youngster like you to have to scrap things out after the old fashion.  Not married yet, are you?’

‘No,’ said Alan.

Engle laughed.

’But hoping to be?  Well, it’s time.  That’s a good ballast for a man.  Now, I’ve got this pretty straight, let’s have your plans.  You hope to swing the ranch all right, or you wouldn’t be calling on me.  You’re in deep already and, of course, if it’s a human possibility you’ve got to swing it.  What do you figure to do?’

Howard during his long ride had considered his problem from all angles, and now, leaning forward eagerly, told in detail what he had decided.  Engle, a rancher himself with broad experience, nodded now and then, asked his few pertinent questions, made an occasional suggestion.  Then he rose to his feet and put out his hand.

‘Drop in and see us when you’re in town and have the time,’ he said cordially.  ’Mrs. Engle was speaking of you only the other day.  You’ll want to be on your way now.  I’ll let you have five thousand on your equity and let the other fifteen hundred ride with it, making one note for sixty-five hundred.  I think that if you work things right and hold down expenses and make the sales and purchases and other sales you have in mind, you’ll get away with your deal.  Just the same, my boy,’ and for an instant there came into his eyes the fighting look which had been there frequently in the day when he fought out his own battles, ‘you’ve got a man’s-sized job on your hands.’

‘I know it,’ said Alan.  And when, the proper papers signed, he said good-bye, his eyes brightened and he said directly:  ’It’s a great thing, John Engle, to have a man’s-sized man to talk things over with.’

From his window Engle musingly watched the tall form go out to the horse at the hitching-post and swing up into the saddle.

‘Now what’s happened between him and John Carr?’ he asked himself.  And without hesitation he answered his own question:  ’A girl, I suppose.  Well, she ought to be a real girl to do that.’