out a piece of his mind, which piece of his mind was duly published in the
local papers, and caused a sensation. Somebody called the landlord's
attention to it, and he did not like it. Nor can he be blamed; we none of
us like to be abused in public, the more especially when, looking at
precedents, we do not deserve it. Smith next went to the assessment
committee to get his taxes reduced, on the ground of a loss of revenue.
The committee sympathised with him, but found that they must assess him
according to his rent. At least so they were then advised, and only did
their duty.

By this time the local bankers had scented a time of trouble approaching
in the commercial and agricultural world; they began to draw in their more
doubtful advances, or to refuse to renew them. As a matter of fact, Smith
was a perfectly sound man, but he had so persistently complained that
people began to suspect there really was something wrong with his
finances. He endeavoured to explain, but was met with the tale that he had
himself started. He then honestly produced his books, and laid his
position bare to the last penny.

The banker believed him, and renewed part of the advance for a short
period; but he began, to cogitate in this wise: 'Here is a farmer of long
experience, born of a farming family, and a hardworking fellow, and, more
than that, honest. If this man, who has hitherto had the command of a fair
amount of capital, cannot make his books balance better than this, what
must be the case with some of our customers? There are many who ride about
on hunters, and have a bin of decent wine. How much of all this is
genuine? We must be careful; these are hard times.' In short, Smith,
without meaning it, did his neighbours an immense deal of harm. His very
honesty injured them. By slow degrees the bank got 'tighter' with its
customers. It leaked out--all things leak out--that Smith had said too