"He isn't hard up. Why doesn't he have his own horses? I'll tell you what, Carbury, I've made up my mind to one thing, and, by Jove, I'll stick to it. I never will lend a horse again to anybody. If fellows want horses let them buy them."

 he isn't hard up. Why doesn't he have his own horses? I'll tell you what, Carbury, I've made up my mind, by Jove. I never will lend a horse again to anybody. If fellows want horses let them buy them."
