n-law spoke of
cutting off all your credit, and from your downcast look I guess that
fool Cayrol has obeyed the orders he has received."

Serge, exasperated and stamping with rage, wanted to speak, but it was
no easy matter interrupting Herzog. Besides, there was something in the
latter's look which annoyed Serge. His glance seemed to be fathoming the
depths of Panine's pockets, and the latter instinctively tightened his
arms across his chest, so that Herzog might not see that his pocketbook
was empty.

"What are you talking about?" asked Serge, at last, with a constrained
smile.

"About things which must greatly interest you," said Herzog, familiarly.
"Come, be sincere. Cayrol has just refused you a sum of money. He's a
simpleton! How much do you want? Will a hundred thousand francs do just
now?"

And writing a few words on a check, the financier handed it to Serge,
adding:

"A man of your position should not be in any difficulty for such a
paltry sum!"

"But, sir," said Serge, astonished, and pushing away Herzog's hand.

"Accept it, and don't feel indebted to me. It is hardly worth while
between you and me."

And taking Panine's arm Herzog walked on with him.

"Your carriage is there? all right, mine will follow. I want to talk to
you. Your troubles cannot last. I will show you the means of extricating
yourself and that without delay, my dear sir."

And without consulting Panine he seated himself beside him in the
carriage.

"I told you once, if you remember," continued the financier, "that I
might prove useful to you. You were haughty, and I did not insist; yet
you see the day has come. Let me speak frankly with you. It is my usual
manner, and there is some good in it."

"Speak," answered Serge, rather puzzled.

"You find yourself at this moment, vulgarly speaking, left in the lurch.
Your wants are many and your resources few."

"At least--" protested Serge.

"Good! There you are refractory," said the financier, laughingly, "and I
have not finished. The day after your marriage you formed your
household on a lavish footing; you gave splendid receptions; you bought
race-horses; in short, you went the pace like a great lord. Undoubtedly
it costs a lot of money to keep up such an establishment. As you spent
without counting the cost, you confounded the capital with the interest,
so that at this moment you are three parts ruined. I don't think you
would care to change your mode of living, and it is to