“And what if I do get over the difficult place?” was the desponding conclusion of his mind—­“ultimate failure is inevitable, unless a great reduction can be made in expenses.  At present, our living exceeds the profits on my business.  Ah! if I could only make Cara understand this!  She has been more considerate and wife-like of late; but I fear to say one word about the embarrassed state of my affairs, lest the sunshine of love be again darkened with clouds and storms.”

With such thoughts in his mind, Ellis fell asleep.

On the next morning, he repaired early to his place of business, in order to have time fully to digest his plan of operations for the day.  He had many doubts as to his ability to get through, but was resolute not to yield without a vigorous struggle.  Of the amount to be paid, only four hundred was for notes in bank.  The rest was on borrowed money account.  Fully an hour and a half was spent in drawing off certain accounts, and in determining the line of operations for the morning.  On receiving two hundred dollars for these accounts, Ellis thought he might with safety calculate; and a lad was sent out to see to their collection.  Then he started forth himself.  First in order, he deemed it best to see if he could not get a little more time on some of his borrowed money.  This was a delicate operation, and its attempt could only, he felt, be justified by the exigencies of the case.  The largest sum to be returned was three hundred dollars.  He had borrowed it from a merchant in good circumstances, who could at any time command his thousands, and to whose credit there usually remained heavy balances in bank.  But he was exceedingly punctilious in all business matters.

Both these facts Ellis knew.  It would put the merchant to no inconvenience whatever to continue the accommodation for ten days longer; but the policy of asking this was felt to be a very questionable one, as it would be most likely to create in his mind a doubt of Ellis’s standing, and a doubt in that quarter would be injurious.  Still, the case was so pressing, that Ellis determined to see him.  So, assuming a pleasant, partly unconcerned air, he called upon the merchant.

“Good morning, Mr. A—­,” said he, in a cheerful tone.

“Good morning, friend Ellis,” returned the merchant, pushing his spectacles above his forehead, and fixing his eyes upon the face of his visitor, with a sharp, penetrating look which rather belied the smile that played about his lips.

“Let me see!  Isn’t it to-day that I am to return you the three hundred dollars borrowed last week?”

“I don’t remember, but can tell you in a moment,” replied A—­, replacing his glasses, and taking from a pigeon-hole in the desk before which he sat a small memorandum-book.  After consulting this, he replied—­

“Yes:  you are right.  It is to be returned to-day.”

“So I thought.  Very well.  I’ll send you a check around during the morning.  That will answer, I presume?”