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A Call Loan
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In those days the cattlemen were the anointed. They were the grandees1 of the grass, kings of the kine, lords of the lea, barons2 of beef and bone. They might have ridden in golden chariots had their tastes so inclined. The cattleman was caught in a stampede of dollars. It seemed to him that he had more money than was decent. But when he had bought a watch with precious stones set in the case so large that they hurt his ribs3, and a California saddle with silver nails and Angora skin suaderos, and ordered everybody up to the bar for whisky--what else was there for him to spend money for?

Not so circumscribed4 in expedient5 for the reduction of surplus wealth were those lairds of the lariat6 who had womenfolk to their name. In the breast of the rib-sprung sex the genius of purse lightening may slumber7 through years of inopportunity, but never, my brothers, does it become extinct.

So, out of the chaparral came Long Bill Longley from the Bar Circle Branch on the Frio--a wife-driven man--to taste the urban joys of success. Something like half a million dollars he had, with an income steadily9 increasing.

Long Bill was a graduate of the camp and trail. Luck and thrift10, a cool head, and a telescopic eye for mavericks11 had raised him from cowboy to be a cowman. Then came the boom in cattle, and Fortune, stepping gingerly among the cactus13 thorns, came and emptied her cornucopia14 at the doorstep of the ranch8.

In the little frontier city of Chaparosa, Longley built a costly15 residence. Here he became a captive, bound to the chariot of social existence. He was doomed16 to become a leading citizen. He struggled for a time like a mustang in his first corral, and then he hung up his quirt and spurs. Time hung heavily on his hands. He organised the First National Bank of Chaparosa, and was elected its president.

One day a dyspeptic man, wearing double-magnifying glasses, inserted an official-looking card between the bars of the cashier's window of the First National Bank. Five minutes later the bank force was dancing at the beck and call of a national bank examiner.

This examiner, Mr. J. Edgar Todd, proved to be a thorough one.

At the end of it all the examiner put on his hat, and called the president, Mr. William R. Longley, into the private office.

"Well, how do you find things?" asked Longley, in his slow, deep tones. "Any brands in the round-up you didn't like the looks of?"

"The bank checks up all right, Mr. Longley," said Todd; "and I find your loans in very good shape--with one exception. You are carrying one very bad bit of paper--one that is so bad that I have been thinking that you surely do not realise the serious position it places you in. I refer to a call loan of $10,000 made to Thomas Merwin.

Not only is the amount in excess of the maximum sum the bank can loan any individual legally, but it is absolutely without endorsement17 or security. Thus you have doubly violated the national banking18 laws, and have laid yourself open to criminal prosecution19 by the Government. A report of the matter to the Comptroller of the Currency--which I am bound to make--would, I am sure, result in the matter being turned over to the Department of Justice for action. You see what a serious thing it is."

Bill Longley was leaning his lengthy20, slowly moving frame back in his swivel chair. His hands were clasped behind his head, and he turned a little to look the examiner in the face. The examiner was surprised to see a smile creep about the rugged21 mouth of the banker, and a kindly22 twinkle in his light-blue eyes. If he saw the seriousness of the affair, it did not show in his countenance23.

"Of course, you don't know Tom Merwin," said Longley, almost genially24. "Yes, I know about that loan. It hasn't any security except Tom Merwin's word. Somehow, I've always found that when a man's word is good it's the best security there is. Oh, yes, I know the Government doesn't think so. I guess I'll see Tom about that note."

Mr. Todd's dyspepsia seemed to grow suddenly worse. He looked at the chaparral banker through his double-magnifying glasses in amazement25.

"You see," said Longley, easily explaining the thing away, "Tom heard of 2000 head of two-year-olds down near Rocky Ford26 on the Rio Grande that could be had for $8 a head. I reckon 'twas one of old Leandro Garcia's outfits27 that he had smuggled28 over, and he wanted to make a quick turn on 'em. Those cattle are worth $15 on the hoof29 in Kansas City. Tom knew it and I knew it. He had $6,000, and I let him have the $10,000 to make the deal with. His brother Ed took 'em on to market three weeks ago. He ought to be back 'most any day now with the money. When he comes Tom'll pay that note."

The bank examiner was shocked. It was, perhaps, his duty to step out to the telegraph office and wire the situation to the Comptroller. But he did not. He talked pointedly30 and effectively to Longley for three minutes. He succeeded in making the banker understand that he stood upon the border of a catastrophe31. And then he offered a tiny loophole of escape.

"I am going to Hilldale's to-night," he told Longley, "to examine a bank there. I will pass through Chaparosa on my way back. At twelve o'clock to-morrow I shall call at this bank. If this loan has been cleared out of the way by that time it will not be mentioned in my report. If not--I will have to do my duty."

With that the examiner bowed and departed.

The President of the First National lounged in his chair half an hour longer, and then he lit a mild cigar, and went over to Tom Merwin's house. Merwin, a ranchman in brown duck, with a contemplative eye, sat with his feet upon a table, plaiting a rawhide32 quirt.

"Tom," said Longley, leaning against the table, "you heard anything from Ed yet?"

"Not yet," said Merwin, continuing his plaiting. "I guess Ed'll be along back now in a few days."

"There was a bank examiner," said Longley, "nosing around our place to-day, and he bucked33 a sight about that note of yours. You know I know it's all right, but the thing is against the banking laws. I was pretty sure you'd have paid it off before the bank was examined again, but the son-of-a-gun slipped in on us, Tom. Now, I'm short of cash myself just now, or I'd let you have the money to take it up with. I've got till twelve o'clock to-morrow, and then I've got to show the cash in place of that note or--"

"Or what, Bill?" asked Merwin, as Longley hesitated.

"Well, I suppose it means be jumped on with both of Uncle Sam's feet."

"I'll try to raise the money for you on time," said Merwin, interested in his plaiting.

"All right, Tom," concluded Longley, as he turned toward the door; "I knew you would if you could."

Merwin threw down his whip and went to the only other bank in town, a private one, run by Cooper & Craig.

"Cooper," he said, to the partner by that name, "I've got to have $10,000 to-day or to-morrow. I've got a house and lot there that's worth about $6,000 and that's all the actual collateral34. But I've got a cattle deal on that's sure to bring me in more than that much profit within a few days."

Cooper began to cough.

"Now, for God's sake don't say no," said Merwin. "I owe that much money on a call loan. It's been called, and the man that called it is a man I've laid on the same blanket with in cow-camps and ranger-camps for ten years. He can call anything I've got. He can call the blood out of my veins35 and it'll come. He's got to have the money. He's in a devil of a--Well, he needs the money, and I've got to get it for him. You know my word's good, Cooper."

"No doubt of it," assented36 Cooper, urbanely37, "but I've a partner, you know. I'm not free in making loans. And even if you had the best security in your hands, Merwin, we couldn't accommodate you in less than a week. We're just making a shipment of $15,000 to Myer Brothers in Rockdell, to buy cotton with. It goes down on the narrow-gauge to-night. That leaves our cash quite short at present. Sorry we can't arrange it for you."

Merwin went back to his little bare office and plaited at his quirt again. About four o'clock in the afternoon he went to the First National Bank and leaned over the railing of Longley's desk.

"I'll try to get that money for you to-night--I mean to-morrow, Bill."

"All right, Tom," said Longley quietly.

At nine o'clock that night Tom Merwin stepped cautiously out of the small frame house in which he lived. It was near the edge of the little town, and few citizens were in the neighbourhood at that hour. Merwin wore two six-shooters in a belt, and a slouch hat. He moved swiftly down a lonely street, and then followed the sandy road that ran parallel to the narrow-gauge track until he reached the water- tank, two miles below the town. There Tom Merwin stopped, tied a black silk handkerchief about the lower part of his face, and pulled his hat down low.

In ten minutes the night train for Rockdell pulled up at the tank, having come from Chaparosa.

With a gun in each hand Merwin raised himself from behind a clump38 of chaparral and started for the engine. But before he had taken three steps, two long, strong arms clasped him from behind, and he was lifted from his feet and thrown, face downward upon the grass. There was a heavy knee pressing against his back, and an iron hand grasping each of his wrists. He was held thus, like a child, until the engine had taken water, and until the train had moved, with accelerating speed, out of sight.

Then he was released, and rose to his feet to face Bill Longley.

"The case never needed to be fixed39 up this way, Tom," said Longley. "I saw Cooper this evening, and he told me what you and him talked about. Then I went down to your house to-night and saw you come out with your guns on, and I followed you. Let's go back, Tom."

They walked away together, side by side.

"'Twas the only chance I saw," said Merwin presently. "You called your loan, and I tried to answer you. Now, what'll you do, Bill, if they sock it to you?"

"What would you have done if they'd socked it to you?" was the answer Longley made.

"I never thought I'd lay in a bush to stick up a train," remarked Merwin; "but a call loan's different. A call's a call with me. We've got twelve hours yet, Bill, before this spy jumps onto you. We've got to raise them spondulicks somehow. Maybe we can--Great Sam Houston! do you hear that?"

Merwin broke into a run, and Longley kept with him, hearing only a rather pleasing whistle somewhere in the night rendering40 the lugubrious41 air of "The Cowboy's Lament42."

"It's the only tune12 he knows," shouted Merwin, as he ran. "I'll bet--"

They were at the door of Merwin's house. He kicked it open and fell over an old valise lying in the middle of the floor. A sunburned, firm-jawed youth, stained by travel, lay upon the bed puffing43 at a brown cigarette.

"What's the word, Ed?" gasped44 Merwin.

"So, so," drawled that capable youngster. "Just got in on the 9:30. Sold the bunch for fifteen, straight. Now, buddy45, you want to quit kickin' a valise around that's got $29,000 in greenbacks in its in'ards."


点击收听单词发音收听单词发音  

1 grandees b56a4bfd572b54025901b6b6f4afff8a     
n.贵族,大公,显贵者( grandee的名词复数 )
参考例句:
  • The highest-ranking members of the Spanish aristocracy are the grandees. 西班牙贵族中爵位最高的成员乃是大公。 来自辞典例句
  • Several grandees of the town are present at the party. 城里的几位要人出席了晚会。 来自互联网
2 barons d288a7d0097bc7a8a6a4398b999b01f6     
男爵( baron的名词复数 ); 巨头; 大王; 大亨
参考例句:
  • The barons of Normandy had refused to countenance the enterprise officially. 诺曼底的贵族们拒绝正式赞助这桩买卖。
  • The barons took the oath which Stephen Langton prescribed. 男爵们照斯蒂芬?兰顿的指导宣了誓。
3 ribs 24fc137444401001077773555802b280     
n.肋骨( rib的名词复数 );(船或屋顶等的)肋拱;肋骨状的东西;(织物的)凸条花纹
参考例句:
  • He suffered cracked ribs and bruising. 他断了肋骨还有挫伤。
  • Make a small incision below the ribs. 在肋骨下方切开一个小口。
4 circumscribed 7cc1126626aa8a394fa1a92f8e05484a     
adj.[医]局限的:受限制或限于有限空间的v.在…周围划线( circumscribe的过去式和过去分词 );划定…范围;限制;限定
参考例句:
  • The power of the monarchy was circumscribed by the new law. 君主统治的权力受到了新法律的制约。
  • His activities have been severely circumscribed since his illness. 自生病以来他的行动一直受到严格的限制。 来自《简明英汉词典》
5 expedient 1hYzh     
adj.有用的,有利的;n.紧急的办法,权宜之计
参考例句:
  • The government found it expedient to relax censorship a little.政府发现略微放宽审查是可取的。
  • Every kind of expedient was devised by our friends.我们的朋友想出了各种各样的应急办法。
6 lariat A2QxO     
n.系绳,套索;v.用套索套捕
参考例句:
  • The lariat hitched on one of his ears.套索套住了他的一只耳朵。
  • Will Rogers,often referred to as the nation's Poet Lariat about only rope tricks.经常被国人称为“套索诗人”的威尔·罗杰斯可不只会玩绳子。
7 slumber 8E7zT     
n.睡眠,沉睡状态
参考例句:
  • All the people in the hotels were wrapped in deep slumber.住在各旅馆里的人都已进入梦乡。
  • Don't wake him from his slumber because he needs the rest.不要把他从睡眠中唤醒,因为他需要休息。
8 ranch dAUzk     
n.大牧场,大农场
参考例句:
  • He went to work on a ranch.他去一个大农场干活。
  • The ranch is in the middle of a large plateau.该牧场位于一个辽阔高原的中部。
9 steadily Qukw6     
adv.稳定地;不变地;持续地
参考例句:
  • The scope of man's use of natural resources will steadily grow.人类利用自然资源的广度将日益扩大。
  • Our educational reform was steadily led onto the correct path.我们的教学改革慢慢上轨道了。
10 thrift kI6zT     
adj.节约,节俭;n.节俭,节约
参考例句:
  • He has the virtues of thrift and hard work.他具备节俭和勤奋的美德。
  • His thrift and industry speak well for his future.他的节俭和勤勉预示着他美好的未来。
11 mavericks 3ac87f645e7e17c0410306b33eb282f6     
未烙印的牲畜( maverick的名词复数 ); 标新立异的人,不合常规的人
参考例句:
  • And what about the Dallas Mavericks and Dirk Nowitzki? 那达拉斯小牛队和诺维斯基呢?
  • And we see it with bringing Jason Kidd to the Dallas Mavericks. 而且我们看到它同实现基德向达拉斯小牛队。
12 tune NmnwW     
n.调子;和谐,协调;v.调音,调节,调整
参考例句:
  • He'd written a tune,and played it to us on the piano.他写了一段曲子,并在钢琴上弹给我们听。
  • The boy beat out a tune on a tin can.那男孩在易拉罐上敲出一首曲子。
13 cactus Cs1zF     
n.仙人掌
参考例句:
  • It was the first year that the cactus had produced flowers.这是这棵仙人掌第一年开花。
  • The giant cactus is the vegetable skycraper.高大的仙人掌是植物界巨人。
14 cornucopia SoIzm     
n.象征丰收的羊角
参考例句:
  • The book is a cornucopia of information.书是知识的宝库。
  • Our cornucopia is the human mind and heart.我们富足是由于人类的智慧和热情。
15 costly 7zXxh     
adj.昂贵的,价值高的,豪华的
参考例句:
  • It must be very costly to keep up a house like this.维修这么一幢房子一定很昂贵。
  • This dictionary is very useful,only it is a bit costly.这本词典很有用,左不过贵了些。
16 doomed EuuzC1     
命定的
参考例句:
  • The court doomed the accused to a long term of imprisonment. 法庭判处被告长期监禁。
  • A country ruled by an iron hand is doomed to suffer. 被铁腕人物统治的国家定会遭受不幸的。
17 endorsement ApOxK     
n.背书;赞成,认可,担保;签(注),批注
参考例句:
  • We are happy to give the product our full endorsement.我们很高兴给予该产品完全的认可。
  • His presidential campaign won endorsement from several celebrities.他参加总统竞选得到一些社会名流的支持。
18 banking aySz20     
n.银行业,银行学,金融业
参考例句:
  • John is launching his son on a career in banking.约翰打算让儿子在银行界谋一个新职位。
  • He possesses an extensive knowledge of banking.他具有广博的银行业务知识。
19 prosecution uBWyL     
n.起诉,告发,检举,执行,经营
参考例句:
  • The Smiths brought a prosecution against the organizers.史密斯家对组织者们提出起诉。
  • He attempts to rebut the assertion made by the prosecution witness.他试图反驳原告方证人所作的断言。
20 lengthy f36yA     
adj.漫长的,冗长的
参考例句:
  • We devoted a lengthy and full discussion to this topic.我们对这个题目进行了长时间的充分讨论。
  • The professor wrote a lengthy book on Napoleon.教授写了一部有关拿破仑的巨著。
21 rugged yXVxX     
adj.高低不平的,粗糙的,粗壮的,强健的
参考例句:
  • Football players must be rugged.足球运动员必须健壮。
  • The Rocky Mountains have rugged mountains and roads.落基山脉有崇山峻岭和崎岖不平的道路。
22 kindly tpUzhQ     
adj.和蔼的,温和的,爽快的;adv.温和地,亲切地
参考例句:
  • Her neighbours spoke of her as kindly and hospitable.她的邻居都说她和蔼可亲、热情好客。
  • A shadow passed over the kindly face of the old woman.一道阴影掠过老太太慈祥的面孔。
23 countenance iztxc     
n.脸色,面容;面部表情;vt.支持,赞同
参考例句:
  • At the sight of this photograph he changed his countenance.他一看见这张照片脸色就变了。
  • I made a fierce countenance as if I would eat him alive.我脸色恶狠狠地,仿佛要把他活生生地吞下去。
24 genially 0de02d6e0c84f16556e90c0852555eab     
adv.亲切地,和蔼地;快活地
参考例句:
  • The white church peeps out genially from behind the huts scattered on the river bank. 一座白色教堂从散布在岸上的那些小木房后面殷勤地探出头来。 来自《简明英汉词典》
  • "Well, It'seems strange to see you way up here,'said Mr. Kenny genially. “咳,真没想到会在这么远的地方见到你,"肯尼先生亲切地说。 来自英汉文学 - 嘉莉妹妹
25 amazement 7zlzBK     
n.惊奇,惊讶
参考例句:
  • All those around him looked at him with amazement.周围的人都对他投射出惊异的眼光。
  • He looked at me in blank amazement.他带着迷茫惊诧的神情望着我。
26 Ford KiIxx     
n.浅滩,水浅可涉处;v.涉水,涉过
参考例句:
  • They were guarding the bridge,so we forded the river.他们驻守在那座桥上,所以我们只能涉水过河。
  • If you decide to ford a stream,be extremely careful.如果已决定要涉过小溪,必须极度小心。
27 outfits ed01b85fb10ede2eb7d337e0ea2d0bb3     
n.全套装备( outfit的名词复数 );一套服装;集体;组织v.装备,配置设备,供给服装( outfit的第三人称单数 )
参考例句:
  • He jobbed out the contract to a number of small outfits. 他把承包工程分包给许多小单位。 来自辞典例句
  • Some cyclists carry repair outfits because they may have a puncture. 有些骑自行车的人带修理工具,因为他们车胎可能小孔。 来自辞典例句
28 smuggled 3cb7c6ce5d6ead3b1e56eeccdabf595b     
水货
参考例句:
  • The customs officer confiscated the smuggled goods. 海关官员没收了走私品。 来自《现代汉英综合大词典》
  • Those smuggled goods have been detained by the port office. 那些走私货物被港务局扣押了。 来自互联网
29 hoof 55JyP     
n.(马,牛等的)蹄
参考例句:
  • Suddenly he heard the quick,short click of a horse's hoof behind him.突然间,他听见背后响起一阵急骤的马蹄的得得声。
  • I was kicked by a hoof.我被一只蹄子踢到了。
30 pointedly JlTzBc     
adv.尖地,明显地
参考例句:
  • She yawned and looked pointedly at her watch. 她打了个哈欠,又刻意地看了看手表。
  • The demand for an apology was pointedly refused. 让对方道歉的要求遭到了断然拒绝。 来自《简明英汉词典》
31 catastrophe WXHzr     
n.大灾难,大祸
参考例句:
  • I owe it to you that I survived the catastrophe.亏得你我才大难不死。
  • This is a catastrophe beyond human control.这是一场人类无法控制的灾难。
32 rawhide 4TNxG     
n.生牛皮
参考例句:
  • At his belt he carried a rawhide whip.他腰间别着生牛皮制成的鞭子。
  • The drum skin was tightly strapped over the circle rawhide laces.鼓皮的一圈被生牛皮紧紧地勒住了。
33 bucked 4085b682da6f1272318ebf4527d338eb     
adj.快v.(马等)猛然弓背跃起( buck的过去式和过去分词 );抵制;猛然震荡;马等尥起后蹄跳跃
参考例句:
  • When he tried to ride the horse, it bucked wildly. 当他试图骑上这匹马时,它突然狂暴地跃了起来。 来自《简明英汉词典》
  • The plane bucked a strong head wind. 飞机顶着强烈的逆风飞行。 来自《现代英汉综合大词典》
34 collateral wqhzH     
adj.平行的;旁系的;n.担保品
参考例句:
  • Many people use personal assets as collateral for small business loans.很多人把个人财产用作小额商业贷款的抵押品。
  • Most people here cannot borrow from banks because they lack collateral.由于拿不出东西作为抵押,这里大部分人无法从银行贷款。
35 veins 65827206226d9e2d78ea2bfe697c6329     
n.纹理;矿脉( vein的名词复数 );静脉;叶脉;纹理
参考例句:
  • The blood flows from the capillaries back into the veins. 血从毛细血管流回静脉。 来自《简明英汉词典》
  • I felt a pleasant glow in all my veins from the wine. 喝过酒后我浑身的血都热烘烘的,感到很舒服。 来自《简明英汉词典》
36 assented 4cee1313bb256a1f69bcc83867e78727     
同意,赞成( assent的过去式和过去分词 )
参考例句:
  • The judge assented to allow the prisoner to speak. 法官同意允许犯人申辩。
  • "No," assented Tom, "they don't kill the women -- they're too noble. “对,”汤姆表示赞同地说,“他们不杀女人——真伟大!
37 urbanely 349796911438d2ceb31beb51b98ffd7e     
adv.都市化地,彬彬有礼地,温文尔雅地
参考例句:
  • Don't let the repoter spook you, and you have to behave urbanely. 别让记者缠住你,而你还得举止文雅。 来自互联网
38 clump xXfzH     
n.树丛,草丛;vi.用沉重的脚步行走
参考例句:
  • A stream meandered gently through a clump of trees.一条小溪从树丛中蜿蜒穿过。
  • It was as if he had hacked with his thick boots at a clump of bluebells.仿佛他用自己的厚靴子无情地践踏了一丛野风信子。
39 fixed JsKzzj     
adj.固定的,不变的,准备好的;(计算机)固定的
参考例句:
  • Have you two fixed on a date for the wedding yet?你们俩选定婚期了吗?
  • Once the aim is fixed,we should not change it arbitrarily.目标一旦确定,我们就不应该随意改变。
40 rendering oV5xD     
n.表现,描写
参考例句:
  • She gave a splendid rendering of Beethoven's piano sonata.她精彩地演奏了贝多芬的钢琴奏鸣曲。
  • His narrative is a super rendering of dialect speech and idiom.他的叙述是方言和土语最成功的运用。
41 lugubrious IAmxn     
adj.悲哀的,忧郁的
参考例句:
  • That long,lugubrious howl rose on the night air again!夜空中又传来了那又长又凄凉的狗叫声。
  • After the earthquake,the city is full of lugubrious faces.地震之后,这个城市满是悲哀的面孔。
42 lament u91zi     
n.悲叹,悔恨,恸哭;v.哀悼,悔恨,悲叹
参考例句:
  • Her face showed lament.她的脸上露出悲伤的样子。
  • We lament the dead.我们哀悼死者。
43 puffing b3a737211571a681caa80669a39d25d3     
v.使喷出( puff的现在分词 );喷着汽(或烟)移动;吹嘘;吹捧
参考例句:
  • He was puffing hard when he jumped on to the bus. 他跳上公共汽车时喘息不已。 来自《现代汉英综合大词典》
  • My father sat puffing contentedly on his pipe. 父亲坐着心满意足地抽着烟斗。 来自《简明英汉词典》
44 gasped e6af294d8a7477229d6749fa9e8f5b80     
v.喘气( gasp的过去式和过去分词 );喘息;倒抽气;很想要
参考例句:
  • She gasped at the wonderful view. 如此美景使她惊讶得屏住了呼吸。
  • People gasped with admiration at the superb skill of the gymnasts. 体操运动员的高超技艺令人赞叹。 来自《现代汉英综合大词典》
45 buddy 3xGz0E     
n.(美口)密友,伙伴
参考例句:
  • Calm down,buddy.What's the trouble?压压气,老兄。有什么麻烦吗?
  • Get out of my way,buddy!别挡道了,你这家伙!


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