out their thousands. Wild railroad-speculations, immense mortgages on real estate that now lay flat and dead: scanty available assets that would hardly pay twenty cents on a dollar.
This was what David Lawrence heard when he returned from St. Louis, a heavy-hearted, dispirited man. Two recent failures had borne heavily upon him. If last winter had been dull, there was no adjective to apply to this. His first step was to mortgage Hope Terrace. He had deeded it to his wife, unincumbered; but now it appeared his only chance of salvation. Mrs. Lawrence made a feeble protest at first, and demanded that Fred should be sent for, but there was no time. He met his pressing notes, and was tided over; but, oh! what was to be the end of it all?
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