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The banker and the bear
The banker and the bear

Chapter XII

Chapter 12 of The banker and the bear is here in full — 176 sentences across 36 reading sections, with audio for every sentence and word.

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Context Illustration Reading 1/35 · 5 lines
English subtitles · tap any word to listen 1 / 5
CONSEQUENCES Often it is not the first step that costs, but the waiting for the second.
Last night, at a crisis, John Bagsbury had found it easy to make what was really the most important decision of his life.
However carefully he had balanced upon the pros and cons of the proposition Sponley had made, when it came to the extreme instant of choice, the question had been referred not to his judgment, but to a sentiment.
His words had said themselves.
But this morning it was the Banker, a very different person from the picture-seeing John Bagsbury, who sat at his desk trying to think through the situation, and to guess what would happen next.
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LEARNER DICTIONARY
Archivist
/ˈɑːrkɪvɪst/
Editorial verification pending

A keeper or guardian of historical records and memories.

The banker and the bear

Chapter XII

Chapter 12 of The banker and the bear is here in full — 176 sentences across 36 reading sections, with audio for every sentence and word.

Reading 1/35 · 5 reading units · Lines 1–5

Line 1
CONSEQUENCES Often it is not the first step that costs, but the waiting for the second.
/ˈkɑːnsəkwensəz ˈɔːfən ɪt ɪz nɑːt ðə fɜːrst step ðæt kɑːsts bʌt ðə ˈweɪtɪŋ fɔːr ðə ˈsekənd/
Line 2
Last night, at a crisis, John Bagsbury had found it easy to make what was really the most important decision of his life.
Line 3
However carefully he had balanced upon the pros and cons of the proposition Sponley had made, when it came to the extreme instant of choice, the question had been referred not to his judgment, but to a sentiment.
Line 4
His words had said themselves.
/hɪz wɜːrdz hæd sed ðemˈselvz/
Line 5
But this morning it was the Banker, a very different person from the picture-seeing John Bagsbury, who sat at his desk trying to think through the situation, and to guess what would happen next.

Learner Dictionary

These definitions explain words found in the current reading and keep every example grounded in its original sentence.

Oxford-style entry order: headword, part of speech, US IPA, concise definition, contextual example, and audio.

balanced adjective US /ˈbælənst/

being in a state of proper equilibrium

From this reading “However carefully he had balanced upon the pros and cons of the proposition Sponley had made, when it came to the extreme instant of choice, the question had been referred not to his judgment, but to a sentiment.”

Banker noun US /ˈbæŋkər/

a financier who owns or is an executive in a bank

From this reading “But this morning it was the Banker, a very different person from the picture-seeing John Bagsbury, who sat at his desk trying to think through the situation, and to guess what would happen next.”

cons noun US /kɑːnz/

plural of “con” — an argument opposed to a proposal

From this reading “However carefully he had balanced upon the pros and cons of the proposition Sponley had made, when it came to the extreme instant of choice, the question had been referred not to his judgment, but to a sentiment.”

costs noun US /kɑːsts/

pecuniary reimbursement to the winning party for the expenses of litigation

From this reading “CONSEQUENCES Often it is not the first step that costs, but the waiting for the second.”

crisis noun US /ˈkraɪsəs/

an unstable situation of extreme danger or difficulty

From this reading “Last night, at a crisis, John Bagsbury had found it easy to make what was really the most important decision of his life.”

proposition noun US /ˌprɑːpəˈzɪʃən/

(logic) a statement that affirms or denies something and is either true or false

From this reading “However carefully he had balanced upon the pros and cons of the proposition Sponley had made, when it came to the extreme instant of choice, the question had been referred not to his judgment, but to a sentiment.”

pros noun US /proʊz/

plural of “pro” — an athlete who plays for pay

From this reading “However carefully he had balanced upon the pros and cons of the proposition Sponley had made, when it came to the extreme instant of choice, the question had been referred not to his judgment, but to a sentiment.”

referred verb US /rəˈfɜːrd/

inflected form of “refer” — make reference to

From this reading “However carefully he had balanced upon the pros and cons of the proposition Sponley had made, when it came to the extreme instant of choice, the question had been referred not to his judgment, but to a sentiment.”

Word partnerships in these lines

English keeps certain words together, and knowing the pair is worth more than knowing each word alone. Every partnership below was counted across our whole published library, and earns its place by appearing far more often than two unrelated words of the same frequency would.

Shown as this reading writes them, with the form the library counts, what kind of pairing it is, and how often it occurs.

most important adverb + adjective

In this reading “Last night, at a crisis, John Bagsbury had found it easy to make what was really the most important decision of his life.”

Last night adjective + noun

In this reading “Last night, at a crisis, John Bagsbury had found it easy to make what was really the most important decision of his life.”

different person adjective + noun

In this reading “But this morning it was the Banker, a very different person from the picture-seeing John Bagsbury, who sat at his desk trying to think through the situation, and to guess what would happen next.”

first step adjective + noun

the first of a series of actions

In this reading “CONSEQUENCES Often it is not the first step that costs, but the waiting for the second.”

happen next verb + adjective

In this reading “But this morning it was the Banker, a very different person from the picture-seeing John Bagsbury, who sat at his desk trying to think through the situation, and to guess what would happen next.”

for the second preposition + article + noun counted as “for … second”

In this reading “CONSEQUENCES Often it is not the first step that costs, but the waiting for the second.”

All words in this reading · 78

Every word in these five lines is listed here, and every one of them can be played on its own.

Dictionary details are shown only when verified; these are not licensed Oxford entries.

adeterminerUS /ə/

used before a singular noun to mean one of a group, when it is not a particular one

From this reading Last night, at a crisis, John Bagsbury had found it easy to make what was really the most important decision of his life.

andconjunctionUS /ənd/

used to join words or parts of a sentence that go together

From this reading However carefully he had balanced upon the pros and cons of the proposition Sponley had made, when it came to the extreme instant of choice, the question had been referred not to his judgment, but to a sentiment.

atprepositionUS /æt/

in or near a particular place or position

From this reading Last night, at a crisis, John Bagsbury had found it easy to make what was really the most important decision of his life.

Bagsbury

Dictionary entry pending editorial verification. Tap Listen to hear the word.

From this reading Last night, at a crisis, John Bagsbury had found it easy to make what was really the most important decision of his life.

balancedadjectiveUS /ˈbælənst/

being in a state of proper equilibrium

From this reading However carefully he had balanced upon the pros and cons of the proposition Sponley had made, when it came to the extreme instant of choice, the question had been referred not to his judgment, but to a sentiment.

BankernounUS /ˈbæŋkər/

a financier who owns or is an executive in a bank

From this reading But this morning it was the Banker, a very different person from the picture-seeing John Bagsbury, who sat at his desk trying to think through the situation, and to guess what would happen next.

beenauxiliary verbUS /bɪn/

the past participle of “be”

From this reading However carefully he had balanced upon the pros and cons of the proposition Sponley had made, when it came to the extreme instant of choice, the question had been referred not to his judgment, but to a sentiment.

butconjunctionUS /bʌt/

used to introduce something that contrasts with what came before

From this reading CONSEQUENCES Often it is not the first step that costs, but the waiting for the second.

cameverbUS /keɪm/

inflected form of “come” — move toward, travel toward something or somebody or approach something or somebody

From this reading However carefully he had balanced upon the pros and cons of the proposition Sponley had made, when it came to the extreme instant of choice, the question had been referred not to his judgment, but to a sentiment.

carefullyadverbUS /ˈkerfəli/

taking care or paying attention

From this reading However carefully he had balanced upon the pros and cons of the proposition Sponley had made, when it came to the extreme instant of choice, the question had been referred not to his judgment, but to a sentiment.

choicenounUS /tʃɔɪs/

the person or thing chosen or selected

From this reading However carefully he had balanced upon the pros and cons of the proposition Sponley had made, when it came to the extreme instant of choice, the question had been referred not to his judgment, but to a sentiment.

consnounUS /kɑːnz/

plural of “con” — an argument opposed to a proposal

From this reading However carefully he had balanced upon the pros and cons of the proposition Sponley had made, when it came to the extreme instant of choice, the question had been referred not to his judgment, but to a sentiment.

CONSEQUENCESnounUS /ˈkɑːnsəkwensəz/

plural of “consequence” — a phenomenon that follows and is caused by some previous phenomenon

From this reading CONSEQUENCES Often it is not the first step that costs, but the waiting for the second.

costsnounUS /kɑːsts/

pecuniary reimbursement to the winning party for the expenses of litigation

From this reading CONSEQUENCES Often it is not the first step that costs, but the waiting for the second.

crisisnounUS /ˈkraɪsəs/

an unstable situation of extreme danger or difficulty

From this reading Last night, at a crisis, John Bagsbury had found it easy to make what was really the most important decision of his life.

decisionnounUS /dɪˈsɪʒən/

the act of making up your mind about something

From this reading Last night, at a crisis, John Bagsbury had found it easy to make what was really the most important decision of his life.

desknounUS /desk/

a piece of furniture with a writing surface and usually drawers or other compartments

From this reading But this morning it was the Banker, a very different person from the picture-seeing John Bagsbury, who sat at his desk trying to think through the situation, and to guess what would happen next.

differentadjectiveUS /ˈdɪfərənt/

unlike in nature or quality or form or degree

From this reading But this morning it was the Banker, a very different person from the picture-seeing John Bagsbury, who sat at his desk trying to think through the situation, and to guess what would happen next.

easyadjectiveUS /ˈiːzi/

posing no difficulty; requiring little effort

From this reading Last night, at a crisis, John Bagsbury had found it easy to make what was really the most important decision of his life.

extremeadjectiveUS /ekˈstriːm/

of the greatest possible degree or extent or intensity

From this reading However carefully he had balanced upon the pros and cons of the proposition Sponley had made, when it came to the extreme instant of choice, the question had been referred not to his judgment, but to a sentiment.

firstadjectiveUS /fɜːrst/

preceding all others in time or space or degree

From this reading CONSEQUENCES Often it is not the first step that costs, but the waiting for the second.

forprepositionUS /fɔːr/

intended to be given to, or used by, somebody

From this reading CONSEQUENCES Often it is not the first step that costs, but the waiting for the second.

foundverbUS /faʊnd/

set up or found

From this reading Last night, at a crisis, John Bagsbury had found it easy to make what was really the most important decision of his life.

fromprepositionUS /frʌm/

showing where something starts, or who sent it

From this reading But this morning it was the Banker, a very different person from the picture-seeing John Bagsbury, who sat at his desk trying to think through the situation, and to guess what would happen next.

guessverbUS /ɡes/

expect, believe, or suppose

From this reading But this morning it was the Banker, a very different person from the picture-seeing John Bagsbury, who sat at his desk trying to think through the situation, and to guess what would happen next.

hadauxiliary verbUS /hæd/

the past form of “have”, used to form the past perfect

From this reading Last night, at a crisis, John Bagsbury had found it easy to make what was really the most important decision of his life.

happenverbUS /ˈhæpən/

come to pass

From this reading But this morning it was the Banker, a very different person from the picture-seeing John Bagsbury, who sat at his desk trying to think through the situation, and to guess what would happen next.

hepronounUS /hiː/

a man, boy, or male animal already mentioned, as the subject

From this reading However carefully he had balanced upon the pros and cons of the proposition Sponley had made, when it came to the extreme instant of choice, the question had been referred not to his judgment, but to a sentiment.

hisdeterminerUS /hɪz/

belonging to a man, boy, or male animal already mentioned

From this reading Last night, at a crisis, John Bagsbury had found it easy to make what was really the most important decision of his life.

HoweveradverbUS /ˌhaʊˈevər/

used to add a contrasting statement

From this reading However carefully he had balanced upon the pros and cons of the proposition Sponley had made, when it came to the extreme instant of choice, the question had been referred not to his judgment, but to a sentiment.

importantadjectiveUS /ˌɪmˈpɔːrtənt/

of great significance or value

From this reading Last night, at a crisis, John Bagsbury had found it easy to make what was really the most important decision of his life.

instantnounUS /ˈɪnstənt/

a very short time (as the time it takes the eye to blink or the heart to beat)

From this reading However carefully he had balanced upon the pros and cons of the proposition Sponley had made, when it came to the extreme instant of choice, the question had been referred not to his judgment, but to a sentiment.

isauxiliary verbUS /ɪz/

the form of “be” used with he, she, it, or a singular noun

From this reading CONSEQUENCES Often it is not the first step that costs, but the waiting for the second.

itpronounUS /ɪt/

a thing, animal, or idea already mentioned

From this reading CONSEQUENCES Often it is not the first step that costs, but the waiting for the second.

JohnnounUS /dʒɑːn/

a room or building equipped with one or more toilets

From this reading Last night, at a crisis, John Bagsbury had found it easy to make what was really the most important decision of his life.

judgmentnounUS /ˈdʒʌdʒmənt/

an opinion formed by judging something

From this reading However carefully he had balanced upon the pros and cons of the proposition Sponley had made, when it came to the extreme instant of choice, the question had been referred not to his judgment, but to a sentiment.

LastadjectiveUS /læst/

immediately past

From this reading Last night, at a crisis, John Bagsbury had found it easy to make what was really the most important decision of his life.

lifenounUS /laɪf/

a characteristic state or mode of living

From this reading Last night, at a crisis, John Bagsbury had found it easy to make what was really the most important decision of his life.

madeadjectiveUS /meɪd/

produced by a manufacturing process

From this reading However carefully he had balanced upon the pros and cons of the proposition Sponley had made, when it came to the extreme instant of choice, the question had been referred not to his judgment, but to a sentiment.

makeverbUS /meɪk/

engage in

From this reading Last night, at a crisis, John Bagsbury had found it easy to make what was really the most important decision of his life.

morningnounUS /ˈmɔːrnɪŋ/

the time period between dawn and noon

From this reading But this morning it was the Banker, a very different person from the picture-seeing John Bagsbury, who sat at his desk trying to think through the situation, and to guess what would happen next.

mostadverbUS /moʊst/

used to form the superlative

From this reading Last night, at a crisis, John Bagsbury had found it easy to make what was really the most important decision of his life.

nextadjectiveUS /nekst/

immediately following in time or order

From this reading But this morning it was the Banker, a very different person from the picture-seeing John Bagsbury, who sat at his desk trying to think through the situation, and to guess what would happen next.

nightnounUS /naɪt/

the time after sunset and before sunrise while it is dark outside

From this reading Last night, at a crisis, John Bagsbury had found it easy to make what was really the most important decision of his life.

notadverbUS /nɑːt/

used to make a word, phrase, or sentence negative

From this reading CONSEQUENCES Often it is not the first step that costs, but the waiting for the second.

ofprepositionUS /ʌv/

belonging to, or connected with, somebody or something

From this reading Last night, at a crisis, John Bagsbury had found it easy to make what was really the most important decision of his life.

OftenadverbUS /ˈɔːfən/

many times at short intervals

From this reading CONSEQUENCES Often it is not the first step that costs, but the waiting for the second.

personnounUS /ˈpɜːrsən/

a human being

From this reading But this morning it was the Banker, a very different person from the picture-seeing John Bagsbury, who sat at his desk trying to think through the situation, and to guess what would happen next.

picture-seeing

Dictionary entry pending editorial verification. Tap Listen to hear the word.

From this reading But this morning it was the Banker, a very different person from the picture-seeing John Bagsbury, who sat at his desk trying to think through the situation, and to guess what would happen next.

propositionnounUS /ˌprɑːpəˈzɪʃən/

(logic) a statement that affirms or denies something and is either true or false

From this reading However carefully he had balanced upon the pros and cons of the proposition Sponley had made, when it came to the extreme instant of choice, the question had been referred not to his judgment, but to a sentiment.

prosnounUS /proʊz/

plural of “pro” — an athlete who plays for pay

From this reading However carefully he had balanced upon the pros and cons of the proposition Sponley had made, when it came to the extreme instant of choice, the question had been referred not to his judgment, but to a sentiment.

questionverbUS /ˈkwestʃən/

challenge the accuracy, probity, or propriety of

From this reading However carefully he had balanced upon the pros and cons of the proposition Sponley had made, when it came to the extreme instant of choice, the question had been referred not to his judgment, but to a sentiment.

reallyadverbUS /ˈrɪli/

in accordance with truth or fact or reality

From this reading Last night, at a crisis, John Bagsbury had found it easy to make what was really the most important decision of his life.

referredverbUS /rəˈfɜːrd/

inflected form of “refer” — make reference to

From this reading However carefully he had balanced upon the pros and cons of the proposition Sponley had made, when it came to the extreme instant of choice, the question had been referred not to his judgment, but to a sentiment.

saidadjectiveUS /sed/

being the one previously mentioned or spoken of

From this reading His words had said themselves.

satnounUS /sæt/

the seventh and last day of the week; observed as the Sabbath by Jews and some Christians

From this reading But this morning it was the Banker, a very different person from the picture-seeing John Bagsbury, who sat at his desk trying to think through the situation, and to guess what would happen next.

secondnounUS /ˈsekənd/

1/60 of a minute; the basic unit of time adopted under the Systeme International d'Unites

From this reading CONSEQUENCES Often it is not the first step that costs, but the waiting for the second.

sentimentnounUS /ˈsentəmənt/

tender, romantic, or nostalgic feeling or emotion

From this reading However carefully he had balanced upon the pros and cons of the proposition Sponley had made, when it came to the extreme instant of choice, the question had been referred not to his judgment, but to a sentiment.

situationnounUS /ˌsɪtʃuːˈeɪʃən/

the general state of things; the combination of circumstances at a given time

From this reading But this morning it was the Banker, a very different person from the picture-seeing John Bagsbury, who sat at his desk trying to think through the situation, and to guess what would happen next.

Sponley

Dictionary entry pending editorial verification. Tap Listen to hear the word.

From this reading However carefully he had balanced upon the pros and cons of the proposition Sponley had made, when it came to the extreme instant of choice, the question had been referred not to his judgment, but to a sentiment.

stepnounUS /step/

any maneuver made as part of progress toward a goal

From this reading CONSEQUENCES Often it is not the first step that costs, but the waiting for the second.

thatconjunctionUS /ðæt/

used to introduce what somebody said, thought, or felt

From this reading CONSEQUENCES Often it is not the first step that costs, but the waiting for the second.

thedeterminerUS /ðə/

used before a noun that is already known, already mentioned, or the only one of its kind

From this reading CONSEQUENCES Often it is not the first step that costs, but the waiting for the second.

themselvespronounUS /ðemˈselvz/

used when the people doing the action are also its object

From this reading His words had said themselves.

thinkverbUS /θɪŋk/

judge or regard; look upon; judge

From this reading But this morning it was the Banker, a very different person from the picture-seeing John Bagsbury, who sat at his desk trying to think through the situation, and to guess what would happen next.

thisdeterminerUS /ðɪs/

used for a person or thing that is near, or that has just been mentioned

From this reading But this morning it was the Banker, a very different person from the picture-seeing John Bagsbury, who sat at his desk trying to think through the situation, and to guess what would happen next.

throughprepositionUS /θruː/

from one end or side of something to the other

From this reading But this morning it was the Banker, a very different person from the picture-seeing John Bagsbury, who sat at his desk trying to think through the situation, and to guess what would happen next.

toparticleUS /tuː/

used before the base form of a verb to make the infinitive

From this reading Last night, at a crisis, John Bagsbury had found it easy to make what was really the most important decision of his life.

tryingadjectiveUS /ˈtraɪɪŋ/

hard to endure

From this reading But this morning it was the Banker, a very different person from the picture-seeing John Bagsbury, who sat at his desk trying to think through the situation, and to guess what would happen next.

uponprepositionUS /əˈpɑːn/

a formal word for “on”

From this reading However carefully he had balanced upon the pros and cons of the proposition Sponley had made, when it came to the extreme instant of choice, the question had been referred not to his judgment, but to a sentiment.

veryadjectiveUS /ˈveri/

precisely as stated

From this reading But this morning it was the Banker, a very different person from the picture-seeing John Bagsbury, who sat at his desk trying to think through the situation, and to guess what would happen next.

waitingnounUS /ˈweɪtɪŋ/

the act of waiting (remaining inactive in one place while expecting something)

From this reading CONSEQUENCES Often it is not the first step that costs, but the waiting for the second.

wasauxiliary verbUS /wɑːz/

the past form of “be” used with I, he, she, it, or a singular noun

From this reading Last night, at a crisis, John Bagsbury had found it easy to make what was really the most important decision of his life.

whatpronounUS /wʌt/

used to ask for information about something

From this reading Last night, at a crisis, John Bagsbury had found it easy to make what was really the most important decision of his life.

whenconjunctionUS /wen/

at the time that

From this reading However carefully he had balanced upon the pros and cons of the proposition Sponley had made, when it came to the extreme instant of choice, the question had been referred not to his judgment, but to a sentiment.

whopronounUS /huː/

which person or people

From this reading But this morning it was the Banker, a very different person from the picture-seeing John Bagsbury, who sat at his desk trying to think through the situation, and to guess what would happen next.

wordsnounUS /wɜːrdz/

the words that are spoken

From this reading His words had said themselves.

wouldmodal verbUS /wʊd/

used for something imagined, polite, or habitual in the past

From this reading But this morning it was the Banker, a very different person from the picture-seeing John Bagsbury, who sat at his desk trying to think through the situation, and to guess what would happen next.

Chapter 12 of The banker and the bear by Henry Kitchell Webster holds 176 sentences, grouped into 36 reading sections of at most 5 sentences. The text is the source edition, unabridged, and the chapter records which sentences cover which part of the work so that nothing is dropped. Every word can be tapped for its pronunciation and dictionary entry.

What does chapter 12 of The banker and the bear contain?

Chapter 12 holds 176 sentences of The banker and the bear, unabridged, divided into 36 reading sections.

This page carries chapter 12 of The banker and the bear by Henry Kitchell Webster exactly as it stands in the source edition, without abridgement. It runs to 176 sentences, grouped into 36 sections of at most 5 sentences so that a reader can take the chapter in steady, finishable pieces. The chapter also stores a coverage record mapping every one of its sentences to a part of the work, which is how the edition demonstrates that no line was dropped.

How do I study chapter 12 of The banker and the bear?

Work through the 36 sections in order, replaying any sentence and tapping unfamiliar words for their entries.

Each of the 36 sections in this chapter is short enough to read once, hear once, and then re-read with the vocabulary in view. Tapping a word plays it alone and opens its dictionary entry with IPA, part of speech and meaning, so the reader is never forced to guess a pronunciation from spelling. Working section by section keeps a long chapter from becoming an undifferentiated wall of text, which is the usual reason a reader abandons a work of this period.

Can chapter 12 be read aloud to me?

Yes — every sentence and every individual word in chapter 12 can be played aloud in United States English.

Audio covers the whole chapter: any sentence can be played, and any single word within it can be played on its own. The voice uses United States English. For a work of this period that matters, because spelling is an unreliable guide to pronunciation for vocabulary that has fallen out of daily use, and a learner who guesses wrong tends to keep the error. Hearing the word in its own sentence, and then alone, settles it.

Questions about reading The banker and the bear

Common questions about reading The banker and the bear by Henry Kitchell Webster on this page, its source edition and its audio.

Is this the complete text of The banker and the bear?

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Vocabulary met early in The banker and the bear

Words and structures a reader meets early in The banker and the bear, each tappable for pronunciation and meaning.

Chapter 1
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Chapter 2
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Chapter 3
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