Mr. Millard, who was in the same line of business with Larkin, was just the plodding, unobserving, unsuspicious person that the latter had described him.  Sanford was an intelligent clerk and an active salesman.  These were valuable qualities, for which he was appreciated by his employer.  As to what he did or where he went after business hours, Millard never thought.  He, doubtless, on the supposition of the merchant, went into good company, and acted with the same prudence that had governed himself under similar circumstances.  But in this he was mistaken.  The young man’s habits were bad, and his associates often of a vicious character.  Bad habits and bad associates always involve the spending of money freely.  This consequence naturally occurred in the case of Sanford.  To supply his wants his salary proved insufficient.  These wants were like the horse-leech, and cried continually—­” give, give.”  They could not be put off.  The first recourse was that of borrowing, in anticipation of his quarterly receipt of salary, after his last payment was exhausted.  It was not long before, under this system, his entire quarterly receipt had to be paid away to balance his borrowed money account, thus leaving him nothing to meet his increasing wants for the next three months.  By borrowing again from some friends immediately, and curtailing his expenses down to the range of his income, he was able to get along for two or three quarters.  But, of course, he was always behind hand just the amount of three months’ salary.  At length, as new wants pressed upon him, he was tempted to exceed in his borrowed money account the sum received as his quarterly dues.  This made it impossible for him to pay off, when he received his instalments of salary, the whole amount of borrowed money, and caused him to cast about for some new resource.  In balancing the cash account one day,—­he had charge of this,—­he found that there was an error of one hundred dollars in favor of cash—­that is, there were on hand one hundred dollars more than was called for by the account.  He went over the account again and again, but could not discover the error.  For more than an hour he examined the various entries and additions, but with no better success.  At last, however, a little to his disappointment, for he had already began to think of quietly appropriating the surplus, he found the error to consist in the carriage of tens—­four instead of five having been carried to the third or column of hundreds on one of the pages of the cash book, thus making the amount called for in the book one hundred dollars less than the real sum on hand.