“And you’ve come to me for what?”

“Eric says you sometimes advance him cash if he’s experiencing a shortfall situation. I was hoping you’d do the same for me.”

Dante’s tone was pleasant, but the benevolence didn’t reach his eyes. “A sideline of mine. I lend money to people the banks won’t touch. For this I charge fees and administrative costs. How much are you looking for?”

“Ten?”

Dante stared at him. “Lot of money for a kid.”

Phillip cleared his throat. “Well, ten… you know, ten gives me breathing room. That’s how I look at it, at any rate.”

“I take it Eric explained my terms.”

Phillip shook his head. “Not entirely. I thought I should hear it from you.”

“The charge is twenty-five dollars per hundred per week, payable along with the principal when the note comes due.”

Phillip’s mouth was dry. “That seems steep.”

Dante opened his bottom drawer and pulled out a sheath of papers. “If you like, you can take your chances at the Bank of America two blocks down State. I’ve got the application forms right here.” He tossed a BofA loan application on the desk.

“Hey, no. I understand and I appreciate the position you’re in. You have expenses like everybody else.”

Dante made no response.

Phillip leaned forward, trying for solid eye contact, two men of the world getting down to business. “I’m wondering if twenty-five per hundred is the best you can do?”

“‘The best I can do’? You want to haggle with me?”

“Oh, no, sir. Not at all. That’s not what I meant. I just thought there might be some wiggle room.” He could feel the heat as a belated flush crept into his cheeks.

“Based on what? Our long and productive association? Your prowess at the table? Word has it, you got stuck for five grand at Caesars last week. You want my ten so you can recoup your losses and run up the rest. You think you’ll pay me off, including the juice, and keep the balance for yourself. Is that about it?”