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Updated: June 14, 2025
"It wasn't due, but they were putting the screws on her to serve their own purpose or Neifkins' purpose, rather. He wants her leases. It was a mistake of judgment, for she would have been a good borrower. Bankers are born, not made, anyway," complacently, "and Vernon isn't one of them." "It seems to me his judgment in this instance is excellent," Mrs. Pantin contradicted tartly.
"We might as well quit," the driver called with a kind of desperate decision in his tone as he made to lay down the reins. "I can't afford to pull the life out of my horses like I got to do to make even a third of the way to-day." Dismayed by his threat to go back, Neifkins begged: "Don't quit me like this. I got six thousand sheep that'll starve if we don't git this hay through."
There was small resemblance between the optimist who had assured Wentz so confidently that everything would be all right and the perspiring and all but exhausted Neifkins who wallowed in snow to his arm-pits in an effort to break trail for the four-horse team whose driver was displaying increasing reluctance to go on with the load of baled hay stalled some mile and a half from town.
The match burned to her fingers while she conjectured. Who was objecting? Neifkins? Since there was ample range for both, and each had kept to the boundaries which he tacitly recognized, there had been no dispute.
For a second Neifkins stood staring, overwhelmed with the realization that he was worse off by a good many thousand dollars than when he had come into the country that he was wiped out broke and that the thin ice upon which the Security State Bank had been skating would now let it through.
Myron Neifkins, too, if report could be believed, was to be gowned in peach-blow satin worked in French knots. He was a dull clod indeed who could not feel the tremors in the air that momentous Saturday and by night there was not tying space at any hitching rack. If the ball loomed so large to the townfolks, it may be assumed that Kate's anticipation was no less.
You know as well as I do that you've borrowed to the amount of your stock, and way beyond the ten per cent limit of the capital stock which we as a national bank are allowed to loan an individual that it's a serious offense if we're found out." "If I don't," Neifkins replied insolently, "it ain't because you haven't told me often enough." "But you don't seem to realize the position we're in.
If you did, you'd play safe and ship. It's true enough that you might make more by holding on, but it's just as true that a big storm could wipe you out." His voice sank still lower and trembled as he confessed: "It's the honest God's truth that any two dozen of our largest depositors could close our doors to-day. I beg of you, Neifkins, to ship as soon as you can get cars."
It came back to the last detail, that evening of torture the audible innuendos and the whispering behind hands, the lifted eyebrows and the exchange of mocking looks, the insolent eyes of Neifkins, and the final deliberate insult she lived it all again as she stood before the mirror calmly arranging her hair. And Hughie! Her hands paused in mid-air.
Kate felt that she had every reason to be satisfied with her progress and to congratulate herself upon the judgment she had displayed in continuing to raise sheep for their fleece when the price of wool was nil, practically, and every discouraged grower in the state, including the astute Neifkins, was putting in "black-faces" that were better for mutton.
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