"Yes, this is the end of my year."

"I'm afraid you've not done very well. Mr. Carter's very dissatisfied with you."

"Not nearly so dissatisfied as I am with Mr. Carter," returned Philip cheerfully.

"I don't think you should speak like that, Carey."

"I'm not coming back. I made the arrangement that if I didn't like accountancy Mr. Carter would return me half the money I paid for my articles and I could chuck it at the end of a year."

"You shouldn't come to such a decision hastily."

"For ten months I've loathed it all, I've loathed the work, I've loathed the office, I loathe Loudon. I'd rather sweep a crossing than spend my days here."

"Well, I must say, I don't think you're very fitted for accountancy."

"Good-bye," said Philip, holding out his hand. "I want to thank you for your kindness to me. I'm sorry if I've been troublesome. I knew almost from the beginning I was no good."

"Well, if you really do make up your mind it is good-bye. I don't know what you're going to do, but if you're in the neighbourhood at any time come in and see us."

Philip gave a little laugh.

"I'm afraid it sounds very rude, but I hope from the bottom of my heart that I shall never set eyes on any of you again."