And then with a rueful grimace he said: "Because I too have bumped my head." As at that she felt a swift little thrill of surprise and liking for Joe, he continued, "I've been a fool.
You're always a fool when you take a chance and aren't able to get away with it.

You're a fool--because you missed out.

I'm a fool--because I missed out.

We both of us took chances.

And I got very badly stung.
We've got to be poor for a little while." Joe drew a deep breath and smiled again.