Takashima obtained Setsu (節), with the second line moving. He read Setsu — a bank holding water — as the principle that debt, like water in a pond, must be given proper outlets or it bursts. Line 2's "does not go out of the yard inside the gate; unlucky" he took to mean that it was unlucky NOT to speak: the officer had to go and talk to his creditor.
He then gave a concrete plan. Sell the estate for 3,000 yen and pay it to the creditor. Out of a monthly salary of 200, keep 50 for living and 30 for social obligations, and pay 120 monthly. Ask the creditor for 8 per cent. On those terms the debt would clear in about eleven years.
He warned that if the officer delayed past this moment he would fall into bankruptcy and the creditor would recover nothing — so a settlement served both sides. He also told him to limit his worry about the debt to one hour a day, since his own body and life were now his only estate.