Heathcliff, a notorious cheat and a general bastard, floats to Loans with a two of a kind, seeking a loan to cover Mr. Nutmeg's raise. He is refused on the grounds that he is a fucking cat, but for the sake of the "joke," it's because Heathcliff didn't stop at the fucking drug store to buy a new deck of cards to make his two of a kind something a bit more formidable. Some swindler.