And as a general rule, which may make all creditors who are inclined to be severe pretty comfortable in their minds, no men embarrassed are altogethe… - William Makepeace Thackeray

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And as a general rule, which may make all creditors who are inclined to be severe pretty comfortable in their minds, no men embarrassed are altogether honest, very likely. They conceal something; they exaggerate chances of good luck; hide away the reals state of affairs; say that things are flourishing when they are hopeless; keep a smiling face (a dreary smile it is) upon the verge of bankruptcy — are ready to lay hold of any pretext for delay, or of any money, so as to stave off the inevitable ruin a few days longer.