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Jim Scroggie entered the school yard with his sister by his side. He paused a moment to let his eyes stray to the faces of the three hopefuls on the fence, conjecturing with a boy's intuition that in this trio he saw some of the ring-leaders of the school. Jim wore a smart tweed coat and knickerbockers, and a shirt of grey flannel with a soft silk tie. His sister, Lou, was dressed daintily in white, with soft blue collar that matched the glorious depths of her eyes. She smiled now, and the three on the fence immediately underwent a change of heart. Elgin Scraff was the first to slide down and approach the new boy in a spirit of fellowship., "An' when'll that be, Harry?", "But from my point of view it is three hundred pounds," cried Mr Greyquill. "What is the good of money without interest? I enter in my books the interest on my money as a part of my money, and if you tell me I am not to speak of my interest when I speak of what is due to me, what is my situation? How am I to live? The profit the butcher makes by the sale of his carcasses is the interest upon his outlay; deprive him of that and he will not sell you meat, because he could not afford to do so.".