"Impossible," said Zotul drably. "Not I and all my brothers together have so much money any more."

"You don't know us of Earth very well yet, but you will. I offer you credit!"

"What is that?" asked Zotul skeptically.

"It is how the poor are enabled to enjoy all the luxuries of the rich," said Broderick, and went on to give a thumbnail sketch of the involutions and devolutions of credit, leaving out some angles that might have had a discouraging effect.

On a world where credit was a totally new concept, it was enchanting. Zotul grasped at the glittering promise with avidity. "What must I do to get credit?"

"Just sign this paper," said Broderick, "and you become part of our Easy Payment Plan."

Zotul drew back. "I have five brothers. If I took all these things for myself and nothing for them, they would beat me black and blue."

"Here." Broderick handed him a sheaf of chattel mortgages. "Have each of your brothers sign one of these, then bring them back to me. That is all there is to it."

It sounded wonderful. But how would the brothers take it? Zotul wrestled with his misgivings and the misgivings won.

"I will talk it over with them," he said. "Give me the total so I will have the figures."

The total was more than it ought to be by simple addition. Zotul pointed this out politely.

"Interest," Broderick explained. "A mere fifteen per cent. After all, you get the merchandise free. The transportation company has to be paid, so another company loans you the money to pay for the freight. This small extra sum pays the lending company for its trouble."

"I see." Zotul puzzled over it sadly. "It is too much," he said. "Our plant doesn't make enough money for us to meet the payments."

"I have a surprise for you," smiled Broderick. "Here is a contract. You will start making ceramic parts for automobile spark plugs and certain parts for radios and gas ranges. It is our policy to encourage local manufacture to help bring prices down."

"We haven't the equipment."

"We will equip your plant," beamed Broderick. "It will require only a quarter interest in your 

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