Edward Noyes Westcott 
The Christmas Story From David Harum 

No other episode in Mr. Westcott’s famous book presents the tenderness and quaintness and the full quality of David Harum’s character with the richness and which tells how he paid t ‚int’rist‘ upon the ‚cap’tal‘ invested by Billy P. Fortunately, this story lends itself readily to separate publication, and it forms an American ‚Christmas Carol‘ which stands by itself.