The reader is reminded that Wick Cutter is a moneylender, and that farmers who go to him are usually stuck returning often. Cutter is described as a man who makes donations to the Protestant church for sentimental reasons and that his roots in Iowa taught him to speak Swedish, which gave him an edge with the Scandinavian immigrants. Cutter is a poker player, has moral lessons for boys, and he is particularly nice to Jim's grandmother. Jim detests his baldhead and yellow whiskers. Cutter and his wife constantly fight, and Cutter rides his buggy.....
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