'It's just a small problem,' said Johnstone. 'And it's a problem which will soon go away. People always
start buying cars in the New Year and I'll start earning money again.' 'I understand that your bank probably won't wait
until the New Year.' 'Well, you must know something that I don't know. When I last spoke to my bank manager, he
was very happy to wait until the end of January.' 'Really?' Logan looked round the room. 'You have a very nice house, Mr Johnstone. I'm sure you don't want the bank to take it away from you because you can't pay them back.'