Whitney wagged her finger. "People like Tej Gagne are cutthroats. There's no reasoning with them-an academic like yourself shouldn't get involved with them." Frank chuckled. "Now you're being naive! Like you said, Tej Gagne is a big shot. There's no way he'd be personally receiving every villager who wants a loan, right?" Whitney realized with a start at Frank's words-that was true. Even if the villagers would take a loan worth a few hundred grand, Tej still had no reason to personally oversee the transaction.

"So you're saying that those loan sharks are worried about pushing their luck?" she asked. "That's why they name-dropped Tej Gagne to intimidate their victims?"

Frank nodded. "Most definitely."

"Well, let's go check them out anyway," Whitney said, feeling worshipful toward Frank.

University students were really different and had a stronger sense of justice too.

"But that's got to wait until tomorrow," she said, raising her glass. "We need to get drunk tonight!"

-

The next day, Frank called a number Whitney found for him.

"Hello? Who's this?" a spiteful voice asked from the other end.

"Hello, I'm from Chandlerton. May I ask for a loan?"

voice

"Wait, it didn't work?"

heard the voice too. "That shouldn't be so. Miles' son

chuckled. "We'll know the truth in just

Whitney was unsure why Frank was so

Ring...

time, it was from an unfamiliar

this?" Frank asked, making sure

take offense and

they really called?"

in a hurry to get down to business. "How'd

the other end

complicated?! Sorry, but I need the money

that, Frank hung

confused. "What? Why did you hang up

like this shouldn't

the same number called again soon enough. Frank

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