But the Crusades upset the routine of the old agricultural life in a very drastic fashion. Suppose that the Duke of Hildesheim was going to the Holy Land. He must travel thousands of miles and he must pay his passage and his hotel-bills. At home he could pay with products of his farm. But he could not well take a hundred dozen eggs and a cart-load of hams with him to satisfy the greed of the shipping agent of Venice or the inn-keeper of the Brenner Pass. These gentlemen insisted upon cash. His Lordship therefore was obliged to take a small quantity of gold with him upon his voyage. Where could he find this gold? He could borrow it from the Lombards, the descendants of the old Longobards, who had turned professional money-lenders, who seated behind their exchange-table (commonly known as "banco" or bank) were glad to let his Grace have a few hundred gold pieces in exchange for a mortgage upon his estates, that they might be repaid in case His Lordship should die at the hands of the Turks.
That was dangerous business for the borrower. In the end, the Lombards invariably owned the estates and the Knight became a bankrupt, who hired himself out as a fighting man to a more powerful and more careful neighbour.
His Grace could also go to that part of the town where the Jews were forced to live. There he could borrow money at a rate of fifty or sixty percent, interest. That, too, was bad business. But was there a way out? Some of the people of the little city which surrounded the castle were said to have money. They had known the young lord all his life. His father and their fathers had been good friends. They would not be unreasonable in their demands. Very well. His Lordship's clerk, a monk who could write and keep accounts, sent a note to the best known merchants and asked for a small loan. The townspeople met in the work-room of the jeweller who made chalices for the nearby churches and discussed this demand. They could not well refuse. It would serve no purpose to ask for "interest." In the first place, it was against the religious principles of most people to take interest and in the
