And so it came to pass that the baron, after having paid a visit to his property to settle the yearly accounts, returned to town much out of tune. He had become aware that the expenditure of the last year had exceeded the income, and that the income of the next year gave no promise of balancing the existing deficit of two thousand dollars. The thought occurred that the sum must be taken from the white parchments; and the man who would have stood calm beneath a shower of bullets, broke out into a cold perspiration at the idea of the debts thus to be incurred. It was plain that there had been an error in his calculations. He who wishes to raise a sum by small yearly savings must not increase, but lessen his expenditure. True, the increase in his case had been unavoidable; but still, a most unlucky coincidence. The baron had not felt such anxiety since his lieutenant-days. There were a thousand good reasons, however, against giving up the town house; it was rented for a term of years; and then, what would his acquaintance say? So he kept his troubles to himself; quieted the baroness by talking of a cold caught on his journey; but all day long the same thought kept gnawing at his heart. Sometimes in the evening he was able to drive it away a while, but it was sure to return in the morning.
It was one of these weary mornings that Mr. Ehrenthal, who had to pay for some grain, was announced. The very name was at that moment unpleasant to the baron, and his greeting was colder than usual; but the man of business did not mind little ups and downs of temper, paid his money, and was profuse in expressions of devoted respect, which all fell coldly, till, just before going away, he inquired, "Did the promissory notes duly arrive?"
"It is sad," cried Ehrenthal, "to think of forty-five thousand dollars lying dead. To you, baron, a couple of thousands or so is a mere trifle, but not to one of my sort. At this moment I might speculate boldly, and safely too; but all my money being locked up, I must lose a clear four thousand." The baron listened attentively; the trader went on: "You have known me, baron, for years past, to be a man of honor, and of some substance too; and now I will make a proposition to you. Lend me for three months ten thousand dollars' worth of promissory notes, and I will give you a bill of exchange, which is as good as money. The speculation should bring in four thousand dollars, and that I will divide with you in lieu of interest. You will run no risk; if I fail, I will bear the loss myself, and pay back the principal in three months."