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The excerpt represents the core issue or deciding factor on which you must meditate, and is drawn from Heart of the West by O. Henry: thing it is."
Bill Longley was leaning his lengthy, slowly moving frame back in his
swivel chair. His hands were clasped behind his head, and he turned a
little to look the examiner in the face. The examiner was surprised to
see a smile creep about the rugged mouth of the banker, and a kindly
twinkle in his light-blue eyes. If he saw the seriousness of the
affair, it did not show in his countenance.
"Of course, you don't know Tom Merwin," said Longley, almost genially.
"Yes, I know about that loan. It hasn't any security except Tom
Merwin's word. Somehow, I've always found that when a man's word is
good it's the best security there is. Oh, yes, I know the Government
 Heart of the West |