And without consulting Panine he seated himself beside him in the
carriage.

"I told you once, if you remember," continued the financier, "that I
might prove useful to you. You were haughty, and I did not insist; yet
you see the day has come. Let me speak frankly with you. It is my usual
manner, and there is some good in it."

"Speak," answered Serge, rather puzzled.

"You find yourself at this moment, vulgarly speaking, left in the lurch.
Your wants are many and your resources few."

"At least--" protested Serge.

"Good! There you are refractory," said the financier, laughingly, "and I
have not finished. The day after your marriage you formed your household
on a lavish footing; you gave splendid receptions; you bought race-
horses; in short, you went the pace like a great lord. Undoubtedly it
costs a lot of money to keep up such an establishment. As you spent
without counting the cost, you confounded the capital with the interest,
so that at this moment you are three parts ruined. I don't think you
would care to change your mode of living, and it is too late in the day
to cut down expenses and exist on what remains? No. Well, to keep up
your present style you need at least a million francs every year."

"You calculate like Cocker," remarked Serge, smiling with some
constraint.

"That is my business," answered Herzog. "There are two ways by which you