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ONE:"When you want money, you go to any house named on that list, no matter what part of the world it may be, and tell them how much you want. They make out a draft which you sign, and then they pay you the money, and write on the second page the amount you have drawn. You get ten pounds in one place, ten in another, twenty in another, and you continue to draw whenever you wish. Each banker puts down the amount you have received from him on the second page, and you can keep on drawing till the sum total of your drafts equals the figures named on the first page. Then your credit is said to be exhausted, and you can draw no more on that letter."HOT BATH IN THE MOUNTAINS. HOT BATH IN THE MOUNTAINS. ONE:The reply began with a vindictive gleam. "You needn't; I ain't got any more use for it than for him. I never apologized to a man in my life, Smith, nor I never accepted an apology from one; that's not my way."

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