Embarrassment has no truer depiction than the guilt a debtor feels each time the string of his indebtedness twangs at his soul. I am talking about an honest debtor here. A sincere debtor feels sad whenever his inability to mend his broken promises nudges his conscience. He sincerely wishes to pay but cannot, yet.
However, the insincere debtor, hard like the shell of a tortoise, is unperturbed whenever he remembers his empty repayment promises….
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