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I said, "Are you Mr. Anders?" Oh, no," he said, "I'm Joseph Smith. Mr. Anders lives on the other side of the county. I'm just the clerk for this office. How can we help you?" Suppose I needed to borrow $25 for this year's taxes. How much would it cost me?" Just a moment while I get out the chart. Yes, here it is. The interest would be $10 fer the first month. However, there is a penalty clause ifen ya don't pay back the principal and interest in the first month." What's the penalty amount ta?" Well, it's pretty steep. It comes ta 400% of the principal. But that's the deal. It's a "take it or leave it" offer." Shit, That's $100 in penalty fer a $25 loan at 40% interest. So, ifen I went two months without payin', I'd owe $145. Ain't no way I'll do that ifen I kin find the money any other way. By the way, where is this Mr. Anders from; I'll bet it ain't from around here." Well, Mr. Anders is from Boston an' has only been in the county fer 'bout 5 months. Why do ya ask?" I jus' figured. "So, there you are. We thought you got lost or something!" Grace said, hugging me."I missed you, too!" I told her, kissing her cheek."I'll bet!" Grace replied. I could tell from the images in her mind that she had already talked to Nicky."Good morning, Sis! Are you getting used to having a little brother yet?" I asked Natalie."It's tough! But I'm adjusting. I think I may make it," she teased back. Then she asked, "Where have you been? You weren't on the bus." Geeze!" I whined loudly, "Not even twenty-four hours!" What do you mean?" Natalie asked."I mean it's not been twenty-four hours since you became my big sister and you're already keeping tabs on everything I do. Next you'll be bossing me around, just like Grace and Nicky!" I said with an exaggerated sigh.Natalie took a step towards me, raising her hand to take a playful swat at me."I'm gonna teach you to pick on your big sister," she said."I was just teasing," I said, holding up my hands in mock surrender. It took a second before.
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