Babbit grunted.
"It don't make any difference whether you have or not," he said.
"But if you ain't I wonder what makes you look so scared.

There's nothin' to be scared about, as I see.

I'm just cal'latin' to do our dear old chummie, Cap'n Sam, a kindness, that's all.

He's lost some money up there to the bank, I understand.

Some says it's four thousand dollars and some says it's forty.