[Al is explaining to the bank president why he made the loan to Mr. Novak]
Al Stephenson: You see, Mr. Milton, in the Army I've had to be with men when they were stripped of everything in the way of property except what they carried around with them and inside them. I saw them being tested. Now some of them stood up to it and some didn't. But you got so you could tell which ones you could count on. I tell you this man Novak is okay. His 'collateral' is in his hands, in his heart and his guts. It's in his right as a citizen.