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that, then at the end of the second week, when nearly all would be paid.

And then in real gratitude to Clyde she whispered to him, coming out of the restaurant and purring like a cat, that she would never forget this and that he would seeā ā€”and that she would wear it for him the very first time. If he were not working they might go somewhere to dinner. Or, if not that, then she would have it surely in time for the day of the proposed automobile ride which he, or rather Hegglund, had suggested for the following Sunday, but which might be postponed.

She suggested that they go to a certain dance hall, and there she clung to him in the dances in a suggestive way and afterwards hinted of a mood which made Clyde a little quivery and erratic.

He finally went home, dreaming of the day, satisfied that he would have no trouble in bringing together the first payment, if it were so much as fifty, even. For now, under the spur of this promise, he proposed to borrow as much as twenty-five from either Ratterer or Hegglund, and to repay it after the coat was paid for.

But, ah, the beautiful Hortense. The charm of her, the enormous, compelling, weakening delight. And to think that at last, and soon, she was to be his. It was, plainly, of such stuff as dreams are made ofā ā€”the unbelievable become real.

XVI

True to her promise, the following day Hortense returned to Mr. Rubenstein, and with all the cunning of her nature placed before him, with many reservations, the nature of the dilemma which confronted her. Could she, by any chance, have the coat for one hundred and fifteen dollars on an easy payment plan? Mr. Rubensteinā€™s head forthwith began to wag a solemn negative. This was not an easy payment store. If he wanted to do business that way he could charge two hundred for the coat and easily get it.

ā€œBut I could pay as much as fifty dollars when I took the coat,ā€ argued Hortense.

ā€œVery good. But who is to guarantee that I get the other sixty-five, and when?ā€

ā€œNext week twenty-five, and the week after that twenty five and the next week after that fifteen.ā€

ā€œOf course. But supposinā€™ the next day after you take the coat an automobile runs you down and kills you. Then what? How do I get my money?ā€

Now that was a poser. And there was really no way that she could prove that any one would pay for the coat. And before that there would have to be all the bother of making out a contract, and getting some really responsible personā ā€”a banker, sayā ā€”to endorse it. No, no, this was not an easy payment house. This was a cash house. That was why the coat was offered to her at one hundred and fifteen, but not a dollar less. Not a dollar.

Mr. Rubenstein sighed and talked on. And finally Hortense asked him if she could give him seventy-five dollars cash in hand, the other forty to be paid in one weekā€™s time. Would he let her have the coat thenā ā€”to take home with her?

ā€œBut a weekā ā€”a weekā ā€”what is a week then?ā€ argued Mr. Rubenstein. ā€œIf you can bring me seventy-five next week or tomorrow, and forty more in another week or ten days, why not wait a week and bring the whole hundred and fifteen? Then the coat is yours and no bother. Leave the coat. Come back tomorrow and pay me twenty-five or thirty dollars on account and I take the coat out of the window and lock it up for you. No one can even see it then. In another week bring me the balance or in two weeks. Then it is yours.ā€ Mr. Rubenstein explained the process as though it were a difficult matter to grasp.

But the argument once made was sound enough. It really left Hortense little to argue about. At the same time it reduced her spirit not a little. To think of not being able to take it now. And yet, once out of the place, her vigor revived. For, after all, the time fixed would soon pass and if Clyde performed his part of the agreement promptly, the coat would be hers. The important thing now was to make him give her twenty-five or thirty dollars wherewith to bind this wonderful agreement. Only now, because of the fact that she felt that she needed a new hat to go with the coat, she decided to say that it cost one hundred and twenty-five instead of one hundred and fifteen.

And once this conclusion was put before Clyde, he saw it as a very reasonable arrangementā ā€”all things consideredā ā€”quite a respite from the feeling of strain that had settled upon him after his last conversation with Hortense. For, after all, he had not seen how he was to raise more than thirty-five dollars this first week anyhow. The following week would be somewhat easier, for then, as he told himself, he proposed to borrow twenty or twenty-five from Ratterer if he could, which, joined with the twenty or twenty-five which his tips would bring him, would be quite sufficient to meet the second payment. The week following he proposed to borrow at least ten or fifteen from Hegglundā ā€”maybe moreā ā€”and if that did not make up the required amount to pawn his watch for fifteen dollars, the watch he had bought for himself a few months before. It ought to bring that at least; it cost fifty.

But, he now thought, there was Esta in her wretched room awaiting the most unhappy result of her one romance. How was she to make out, he asked himself, even in the face of the fact that he feared to be included in the financial problem which Esta as well as the family presented. His father was not now, and never had been, of any real financial service to his mother. And yet, if the problem were on this account

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