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The excerpt represents the core issue or deciding factor on which you must meditate, and is drawn from The Gentle Grafter by O. Henry: "But one day about the last of October Andy comes to me and asks if I
have any idea how much money we had left in the bank. I guesses about
sixteen thousand. 'Our balance,' says Andy, 'is $821.62.'
"'What!' says I, with a kind of a yell. 'Do you mean to tell me that
them infernal clod-hopping, dough-headed, pup-faced, goose-brained,
gate-stealing, rabbit-eared sons of horse thieves have soaked us for
that much?'
"'No less,' says Andy.
"'Then, to Helvetia with philanthropy,' says I.
"'Not necessarily,' says Andy. 'Philanthropy,' says he, 'when run on a
good business basis is one of the best grafts going. I'll look into
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