OOC: Raffy's aim is to be a friend of the common people. If Mr. Speld doesn't already have a level of trust for the splendiferous Sparrowhawk, then he won't go pushing him into a deal he doesn't like.

Raffy

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"Mr. Speld, I understand completely," he says, setting the hat gently in the man's hands with a final look of longing at it. "I'll be back this evening for the alterations and the hat, gold in hand, I promise you that."

Somewhat less dapper than he'd hoped, he nonetheless moves with a sense of pride through the morning streets. A heavy prybar hung from his scabbard (to preserve his new belt) reminds him of another debt he's yet to repay as well. With interest, I reckon.