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The excerpt represents the core issue or deciding factor on which you must meditate, and is drawn from The Lesser Bourgeoisie by Honore de Balzac: men in obtaining credit.
The floor had never been swept; the bricks had disappeared beneath
layers of dirt, dust, dried mud, and any and every thing thrown down
by Toupillier. A miserable stove of cast-iron, the pipe of which
entered a crumbling chimney, was the most apparent piece of furniture
in this hovel. In an alcove stood a bed, with tester and valence of
green serge, which the moths had transformed into lace. The window,
almost useless, had a heavy coating of grease upon its panes, which
dispensed with the necessity of curtains. The whitewashed walls
presented to the eye fuliginous tones, due to the wood and peat burned
by the pauper in his stove. On the fireplace were a broken water-
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