instead of walking upright. It is not good calisthenic exercise.

A few years ago I would have acceded to your request.

But each year I live I realize more and more that lending money is the
last method to be used in helping people to better themselves. In almost
every case where I have lent money, I have lived to regret it. Not
because I lost my money (which has usually been the fact), but because
I lost respect for my friends.

I remember the case of a young newspaper man and author, who came to me
for the loan of five dollars. I had never seen him before, but I knew
his brother, a brilliant playwright, in a social way.

The young man told me he had met with a series of disasters on the
voyage to New York, and was stranded there absolutely penniless,
although money would come at almost any hour from his brother.

Besides this, he showed me letters from editors who had taken work which
would be paid for on publication.

"I do not know any one here," the young man said, "and to-day, when I
used my last twenty-five cents, I thought of you in desperation.

"Your acquaintance with my brother would serve as an introduction, I
felt, and I was confident you would realize my straits when I told you
my errand."

Of course I lent the young man five dollars. "I am sure it must be a
great humiliation for you to ask for this," I said, "and I am certain