"My Dear Father,"You will be sorry to hear that I have failed in my exam. I am very cut up about it, because I fear that it will cause you grief and disappointment, and you deserve neither the one nor the other at my hands.""It is not an unmixed misfortune to me, because it helps me to make a request which I have long had in my mind. I wish you to allow me to give up the study of medicine and to go in for commerce. You have never made a secret of our money affairs to me, and I know that if I took my degree there would never be any necessity for me to practise. I should therefore have spent five years of my life in acquiring knowledge which would not be of any immediate use to me. I have no personal inclination towards medicine, while I have a very strong objection to simply living in the world upon money which other men have earned. I must therefore turn to some fresh pursuit for my future career, and surely it would be best that I should do so at once. What that fresh pursuit is to be I leave to your judgment. Personally, I think that if I embarked my capital in some commercial undertaking I might by sticking to my work do well. I feel too much cast down at my own failure to see you to-night, but to-morrow I hope to hear what you think from your own lips.""Tom."
"My Dear Father,
"You will be sorry to hear that I have failed in my exam. I am very cut up about it, because I fear that it will cause you grief and disappointment, and you deserve neither the one nor the other at my hands."
"It is not an unmixed misfortune to me, because it helps me to make a request which I have long had in my mind. I wish you to allow me to give up the study of medicine and to go in for commerce. You have never made a secret of our money affairs to me, and I know that if I took my degree there would never be any necessity for me to practise. I should therefore have spent five years of my life in acquiring knowledge which would not be of any immediate use to me. I have no personal inclination towards medicine, while I have a very strong objection to simply living in the world upon money which other men have earned. I must therefore turn to some fresh pursuit for my future career, and surely it would be best that I should do so at once. What that fresh pursuit is to be I leave to your judgment. Personally, I think that if I embarked my capital in some commercial undertaking I might by sticking to my work do well. I feel too much cast down at my own failure to see you to-night, but to-morrow I hope to hear what you think from your own lips."
"Tom."
"Perhaps this failure will do no harm after all," the doctor muttered thoughtfully, as he folded up the letter and gazed out at the cold glare of the northern sunset.
Theresidence of Major Tobias Clutterbuck, late of the 119th Light Infantry, was not known to any of his friends. It is true that at times he alluded in a modest way to his "little place," and even went to the length of remarking airily to new acquaintances that he hoped they would look him up any time they happened to be in his direction. As he carefully refrained, however, from ever giving the slightest indication of which direction that might be, his invitations never led to any practical results. Still they had the effect of filling the recipient with a vague sense of proffered hospitality, and occasionally led to more substantial kindness in return.
The gallant major's figure was a familiar one in the card-room of theRag and Bobtail, at the bow-window of the Jeunesse Doree. Tall and pompous, with a portly frame and a puffy clean-shaven face which peered over an abnormally high collar and old-fashioned linen cravat, he stood as a very type and emblem of staid middle-aged respectability. The major's hat was always of the glossiest, the major's coat was without a wrinkle, and, in short, from the summit of the major's bald head to his bulbous finger-tips and his gouty toes, there was not a flaw which the most severe critic of deportment—even the illustrious Turveydrop himself—could have detected. Let us add that the conversation of the major was as irreproachable as his person—that he was a distinguished soldier and an accomplished traveller, with a retentive memory and a mind stuffed with the good things of a lifetime. Combine all these qualities, and one would naturally regard the major as a most desirable acquaintance.
It is painful to have to remark, however, that, self-evident as this proposition might appear, it was vehemently contradicted by some of the initiated. There were rumours concerning the major which seriously compromised his private character. Indeed, such a pitch had they reached that when that gallant officer put himself forward as a candidate for a certain select club, he had, although proposed by a lord and seconded by a baronet, been most ignominiously pilled. In public the major affected to laugh over this social failure, and to regard it as somewhat in the nature of a practical joke, but privately he was deeply incensed. One day he momentarily dropped his veil of unconcern while playing billiards with the Honourable Fungus Brown, who was generally credited with having had some hand in the major's exclusion. "Be Ged! sir," the veteran suddenly exclaimed, inflating his chest and turning his apoplectic face upon his companion, "in the old days I would have called the lot of you out, sir, every demned one, beginning with the committee and working down; I would, be George!" At which savage attack the Honourable Fungus's face grew as white as the major's was red, and he began to wish that he had been more reserved in his confidences to some of his acquaintances respecting the exclusiveness of the club in question, or at least refrained from holding up the major's pilling as a proof thereof.
The cause of this vague feeling of distrust which had gone abroad concerning the old soldier was no very easy matter to define. It is true that he was known to have a book on every race, and to have secret means of information from stud-grooms and jockeys which occasionally stood him in good stead; but this was no uncommon thing among the men with whom he consorted. Again, it is true that Major Clutterbuck was much addicted to whist, with guinea points, and to billiard matches for substantial sums, but these stimulating recreations are also habitual to many men who have led eventful lives and require a strong seasoning to make ordinary existence endurable. Perhaps one reason may have been that the major's billiard play in public varied to an extraordinary degree, so that on different occasions he had appeared to be aiming at the process termed by the initiated "getting on the money." The warm friendships, too, which the old soldier had contracted with sundry vacuous and sappy youths, who were kindly piloted by him into quasi-fashionable life and shown how and when to spend their money, had been most uncharitably commented upon. Perhaps the vagueness about the major's private residence and the mystery which hung over him outside his clubs may also have excited prejudice against him. Still, however his detractors might malign him, they could not attempt to deny the fact that Tobias Clutterbuck was the third son of the Honourable Charles Clutterbuck, who again was the second son of the Earl of Dunross, one of the most ancient of Hibernian families. This pedigree the old soldier took care to explain to every one about him, more particularly to the sappy youths aforementioned.
It chanced that on the afternoon of which we speak the major was engrossed by this very subject. Standing at the head of the broad stone steps which lead up to the palatial edifice which its occupiers irreverently term theRag and Bobtail, he was explaining to a bull-necked, olive-complexioned young man the series of marriages and inter-marriages which had culminated in the production of his own portly, stiff-backed figure. His companion, who was none other than Ezra Girdlestone, of the great African firm of that name, leaned against one of the pillars of the portico and listened gloomily to the major's family reminiscences, giving an occasional yawn which he made no attempt to conceal.
"It's as plain as the fingers of me hand," the old soldier said in a wheezy muffled brogue, as if he were speaking from under a feather-bed. "See here now, Girdlestone—this is Miss Letitia Snackles of Snackleton, a cousin of old Sir Joseph." The major tapped his thumb with the silver head of his walking-stick to represent the maiden Snackles. "She marries Crawford, of the Blues—one o' the Warwickshire Crawfords; that's him"—here he elevated his stubby forefinger; "and here's their three children, Jemima, Harold, and John." Up went three other fingers. "Jemima Crawford grows up, and then Charley Clutterbuck runs away with her. This other thumb o' mine will stand for that young divil Charley, and then me fingers—"
"Oh, hang your fingers," Girdlestone exclaimed with emphasis. "It's very interesting, major, but it would be more intelligible if you wrote it out."
"And so I shall, me boy!" the major cried enthusiastically, by no means abashed at the sudden interruption. "I'll draw it up on a bit o' foolscap paper. Let's see; Fenchurch Street, eh? Address to the offices, of course. Though, for that matter, 'Girdlestone, London,' would foind you. I was spakin' of ye to Sir Musgrave Moore, of the Rifles, the other day, and he knew you at once. 'Girdlestone?' says he. 'The same,' says I. 'A merchant prince?' says he. 'The same,' says I. 'I'd be proud to meet him,' says he. 'And you shall,' says I. He's the best blood of county Waterford."
"More blood than money, I suppose," the young man said, smoothing out his crisp black moustache.
"Bedad, you've about hit it there. He went to California, and came back with five and twinty thousand pounds. I met him in Liverpool the day he arrived. 'This is no good to me, Toby,' says he. 'Why not?' I asks. 'Not enough,' says he; 'just enough to unsettle me.' 'What then?' says I. 'Put it on the favourite for the St. Leger,' says he. And he did too, every pinny of it, and the horse was beat on the post by a short head. He dropped the lot in one day. A fact, sir, 'pon me honour! Came to me next day. 'Nothing left!' says he. 'Nothing?' says I. 'Only one thing,' says he. 'Suicide?' says I. 'Marriage,' says he. Within a month he was married to the second Miss Shuttleworth, who had five thou. in her own right, and five more when Lord Dungeness turns up his toes."
"Indeed?" said his companion languidly.
"Fact, 'pon me honour! By the way—ah, here comes Lord Henry Richardson. How d'ye do, Richardson, how d'ye do? Ged, I remember Richardson when he was a tow-headed boy at Clongowes, and I used to lam him with a bootjack for his cheek. Ah, yes; I was going to say—it seems a demned awkward incident—ha! ha!—ridiculous, but annoying, you know. The fact is, me boy, coming away in a hurry from me little place, I left me purse on the drawers in the bedroom, and here's Jorrocks up in the billiard-room afther challenging me to play for a tenner—but I won't without having the money in me pocket. Tobias Clutterbuck may be poor, me dear friend, but"—and here he puffed out his chest and tapped on it with his round, sponge-like fist—"he's honest, and pays debts of honour on the nail. No, sir, there's no one can say a word against Tobias, except that he's a half-pay old fool with more heart than brains. However," he added, suddenly dropping the sentimental and coming back to the practical, "if you, me dear boy, can obloige me with the money until to-morrow morning, I'll play Jorrocks with pleasure. There's not many men that I'd ask such a favour of, and even from you I'd never accept anything more than a mere timporary convanience."
"You may stake your life on that," Ezra Girdlestone said with a sneer, looking sullenly down and tracing figures with the end of his stick on the stone steps. "You'll never get the chance. I make it a rule never to lend any one money, either for short or long periods."
"And you won't let me have this throifling accommodation?"
"No," the young man said decisively.
For a moment the major's brick-coloured, weather-beaten face assumed an even darker tint, and his small dark eyes looked out angrily from under his shaggy brows at his youthful companion. He managed to suppress the threatened explosion, however, and burst into a loud roar of laughter.
"'Pon me sowl!" he wheezed, poking the young man in the ribs with his stick, an implement which he had grasped a moment before as though he meditated putting it to a less pacific use, "you young divils of business-men are too much for poor old Tobias. Ged, sir, to think of being stuck in the mud for the want of a paltry tenner! Tommy Heathcote will laugh when he hears of it. You know Tommy of the 81st? He gave me good advice: 'Always sew a fifty-pound note into the lining of each waistcoat you've got. Then you can't go short.' Tried it once, and, be George! if me demned man-servant didn't stale that very waistcoat and sell it for six and sixpence. You're not going, are you?"
"Yes; I'm due in the City. The governor leaves at four. Good-bye. Shall I see you to-night?"
"Card-room, as per usual," quoth the clean-shaven warrior. He looked after the retreating figure of his late companion with anything but a pleasant expression upon his face. The young man happened to glance round as he was half-way down the street, on which the major smiled after him paternally, and gave a merry flourish with his stick.
As the old soldier stood on the top of the club steps, pompous, pigeon-chested, and respectable, posing himself as though he had been placed there for the inspection of passers-by as a sample of the aristocracy within, he made several attempts to air his grievances to passing members touching the question of the expectant Jorrocks and the missing purse. Beyond, however, eliciting many sallies of wit from the younger spirits, for it was part of the major's policy to lay himself open to be a butt, his laudable perseverance was entirely thrown away. At last he gave it up in disgust, and raising his stick hailed a passing 'bus, into which he sprang, taking a searching glance round to see that no one was following him. After a drive which brought him to the other side of the City, he got out in a broad, busy thoroughfare, lined with large shops. A narrow turning from the main artery led into a long, dingy street, consisting of very high smoke-coloured houses, which ran parallel to the other, and presented as great a contrast to it as the back of a painting does to the front.
Down this sombre avenue the major strutted with all his wonted pomposity, until about half-way down he reached a tall, grim-looking house, with many notices of "apartments" glaring from the windows. The line of railings which separated this house from the street was rusty, and broken and the whole place had a flavour of mildew. The major walked briskly up the stone steps, hollowed out by the feet of generations of lodgers, and pushing open the great splotchy door, which bore upon it a brass plate indicating that the establishment was kept by a Mrs. Robins, he walked into the hall with the air of one who treads familiar ground. Up one flight of stairs, up two flights of stairs, and up three flights of stairs did he climb, until on the fourth landing he pushed open a door and found himself in a small room, which formed for the nonce the "little place" about which he was wont at the club to make depreciatory allusions, so skilfully introduced that the listener was left in doubt as to whether the major was the happy possessor of a country house and grounds, or whether he merely owned a large suburban villa. Even this modest sanctum was not entirely the major's own, as was shown by the presence of a ruddy-faced man with a long, tawny beard, who sat on one side of the empty fire-place, puffing at a great china-bowled pipe, and comporting himself with an ease which showed that he was no casual visitor.
As the other entered, the man in the chair gave vent to a guttural grunt without removing the mouthpiece of his pipe from between his lips; and Major Clutterbuck returned the greeting with an off-handed nod. His next proceeding was to take off his glossy hat and pack it away in a hat-box. He then removed his coat, his collar, his tie, and his gaiters, with equal solicitude, and put them in a place of safety. After which he donned a long purple dressing-gown and a smoking-cap, in which garb he performed the first steps of a mazurka as a sign of the additional ease which he experienced.
"Not much to dance about either, me boy," the old soldier said, seating himself in a camp-chair and putting his feet upon another one. "Bedad, we're all on the verge. Unless luck takes a turn there's no saying what may become of us."
"We have been badder than this before now many a time," said the yellow-bearded man, in an accent which proclaimed him to be a German. "My money vill come, or you vill vin, or something vill arrive to set all things right."
"Let's hope so," the major said fervently. "It's a mercy to get out of these stiff and starched clothes; but I have to be careful of them, for me tailor—bad cess to him!—will give no credit, and there's little of the riddy knocking about. Without good clothes on me back I'd be like a sweeper without a broom."
The German nodded his intense appreciation of the fact, and puffed a great blue cloud to the ceiling. Sigismond von Baumser was a political refugee from the fatherland, who had managed to become foreign clerk in a small London firm, an occupation which just enabled him to keep body and soul together. He and the major had lodged in different rooms in another establishment until some common leaven of Bohemianism had brought them together. When circumstances had driven them out of their former abode, it had occurred to the major that by sharing his rooms with Von Baumser he would diminish his own expenses, and at the same time secure an agreeable companion, for the veteran was a sociable soul in his unofficial hours and had all the Hibernian dislike to solitude. The arrangement commended itself to the German, for he had a profound admiration for the other's versatile talents and varied experiences; so he grunted an acquiescence and the thing was done. When the major's luck was good there were brave times in the little fourth floor back. On the other hand, if any slice of good fortune came in the German's way, the major had a fair share of the prosperity. During the hard times which intervened between these gleams of opulence, the pair roughed it uncomplainingly as best they might. The major would sometimes create a fictitious splendour by dilating upon the beauties of Castle Dunross, in county Mayo, which is the headquarters of all the Clutterbucks. "We'll go and live there some day, me boy," he would say, slapping his comrade on the back. "It will be mine from the dungeons forty foot below the ground, right up, bedad, to the flagstaff from which the imblem of loyalty flaunts the breeze." At these speeches the simple-minded German used to rub his great red hands together with satisfaction, and feel as pleased as though he had actually been presented with the fee simple of the castle in question.
"Have you had your letter?" the major asked with interest, rolling a cigarette between his fingers. The German was expecting his quarterly remittance from his friends at home, and they were both anxiously awaiting it.
Von Baumser shook his head.
"Bad luck to them! they should have sent a wake ago. You should do what Jimmy Towler did. You didn't know Towler, of the Sappers? When he and I were souldiering in Canada he was vexed at the allowance which he had from ould Sir Oliver, his uncle, not turning up at the right time. 'Ged, Toby,' he says to me, 'I'll warm the old rascal up.' So he sits down and writes a letter to his uncle, in which he told him his unbusiness-like ways would be the ruin of them, and more to the same effect. When Sir Oliver got the letter he was in such a divil's own rage, that while he was dictating a codicil to his will he tumbled off the chair in a fit, and Jimmy came in for a clean siven thousand a year."
"Dat was more dan he deserved," the German remarked. "But you—how do you stand for money?"
Major Clutterbuck took ten sovereigns out of his trouser pocket and placed them upon the table. "You know me law," he said; "I never, on any consideration, break into these. You can't sit down to play cards for high stakes with less in your purse, and if I was to change one, be George! they'd all go like a whiff o' smoke. The Lord knows when I'd get a start again then. Bar this money I've hardly a pinny."
"Nor me," said Von Baumser despondently, slapping his pockets.
"Niver mind, me boy! What's in the common purse, I wonder?"
He looked up at a little leather bag which hung from a brass nail on the wall. In flush times they were wont to deposit small sums in this, on which they might fall back in their hours of need.
"Not much, I fear," the other said, shaking his head.
"Well, now, we want something to pull us together on a dull day like this. Suppose we send out for a bottle of sparkling, eh?"
"Not enough money," the other objected.
"Well, well, let's have something cheaper. Beaune, now; Beaune's a good comforting sort of drink. What d'ye say to splitting a bottle of Beaune, and paying for it from the common purse?"
"Not enough money," the other persisted doggedly.
"Well, claret be it," sighed the major. "Maybe it's better in this sort of weather. Let us send Susan out for a bottle of claret?"
The German took down the little leather bag and turned it upside down. A threepenny-piece and a penny rolled out. "Dat's all," he said. "Not enough for claret."
"But there is for beer," cried the major radiantly. "Bedad, it's just the time for a quart of fourpinny. I remimber ould Gilder, when he was our chief in India, used to say that a man who got beyond enjoying beer and a clay pipe at a pinch was either an ass or a coxcomb. He smoked a clay at the mess table himself. Draper, who commanded the division, told him it was unsoldier-like. 'Unsoldier-like be demned,' he said. Ged, they nearly court-martialled the ould man for it. He got the V.C. at the Quarries, and was killed at the Redan."
A slatternly, slipshod girl answered the bell, and having received her orders and the united available funds of the two comrades, speedily returned with a brace of frothing pint pots. The major ruminated silently over his cigarette for some time, on some unpleasant subject, apparently, for his face was stem and his brows knitted. At last he broke out with an oath.
"Be George! Baumser, I can't stand that young fellow Girdlestone. I'll have to chuck him up. He's such a cold-blooded, flinty-hearted, calculating sort of a chap, that—" The remainder of the major's sentence was lost in the beer flagon.
"What for did you make him your friend, then?"
"Well," the old soldier confessed, "it seemed to me that if he wanted to fool his money away at cards or any other divilment, Tobias Clutterbuck might as well have the handling of it as any one else. Bedad, he's as cunning as a basketful of monkeys. He plays a safe game for low stakes, and never throws away a chance. Demned if I don't think I've been a loser in pocket by knowing him, while as to me character, I'm very sure I'm the worse there."
"Vat's de matter mit him?"
"What's not the matter with him. If he's agrayable he's not natural, and if he's natural he's not agrayable. I don't pretind to be a saint. I've seen some fun in me day, and hope to see some more before I die; but there are some things that I wouldn't do. If I live be cards it's all fair and aboveboard. I never play anything but games o' skill, and I reckon on me skill bringing me out on the right side, taking one night with another through the year. Again, at billiards I may not always play me best, but that's gineralship. You don't want a whole room to know to a point what your game is. I'm the last man to preach, but, bedad, I don't like that chap, and I don't like that handsome, brazen face of his. I've spint the greater part of my life reading folks' faces, and never very far out either."
Von Baumser made no remark, and the two continued to smoke silently, with an occasional pull at their flagons.
"Besides, it's no good to me socially," the major continued. "The fellow can't keep quiet, else he might pass in a crowd; but that demned commercial instinct will show itself. If he went to heaven he'd start an agency for harps and crowns. Did I tell you what the Honourable Jack Gibbs said to me at the club? Ged, he let me have it straight! 'Buck,' he said, 'I don't mind you. You're one o' the right sort when all's said and done, but if you ever inthroduce such a chap as that to me again, I'll cut you as well as him for the future.' I'd inthroduced them to put the young spalpeen in a good humour, for, being short, as ye know, I thought it might be necessary to negotiate a loan from him."
"Vat did you say his name vas?" Von Baumser asked suddenly.
"Girdlestone."
"Is his father a Kauffmann?"
"What the divil is a Kauffmann?" the major asked impatiently. "Is it a merchant you mean?"
"Ah, a merchant. One who trades with the Afrikaner?"
"The same."
Von Baumser took a bulky pocket-book from his inside pocket, and scanned a long list of names therein. "Ah, it is the same," he cried at last triumphantly, shutting up the book and replacing it. "Girdlestone & Co., African kauf—dat is, merchants—Fenchurch Street, City."
"Those are they."
"And you say dey are rich?"
"Yes."
"Very rich?"
"Yes."
The major began to think that his companion had been imbibing in his absence, for there was an unfathomable smile upon his face, and his red beard and towsy hair seemed to bristle from some internal excitement.
"Very rich! Ho, ho! Very rich!" he laughed. "I know dem; not as friends, Gott bewahre! but I know dem and their affairs."
"What are you driving at? Let's have it. Out with it, man."
"I tell you," said the German, suddenly becoming supernaturally solemn and sawing his hand up and down in the air to emphasize his remarks, "in tree or four months, or a year at the most, there vill be no firm of Girdlestone. They are rotten, useless—whoo! He blew an imaginary feather up into the air to demonstrate the extreme fragility of the house in question.
"You're raving, Baumser," said Major Clutterbuck excitedly. "Why, man, their names are above suspicion. They are looked upon as the soundest concern in the City."
"Dat may be; dat may be," the German answered stolidly. "Vat I know, I know, and vat I say I say."
"And how d'ye know it? D'ye tell me that you know more about it than the men on 'Change and the firms that do business with them?"
"I know vat I know, and I say vat I say," the other repeated. "Dat tobacco-man Burger is a rogue. Dere is five-and-thirty in the hundred of water in this canaster tobacco, and one must be for ever relighting."
"And you won't tell me where you heard this of the Girdlestones?"
"It vould be no good to you. It is enough dat vat I say is certain. Let it suffice that dere are people vat are bound to tell other people all dat dey know about anything whatever."
"You don't make it over clear now," the old soldier grumbled. "You mane that these secret societies and Socialists let each other know all that comes in their way and have their own means of getting information."
"Dat may be, and dat may not be," the German answered, in the same oracular voice. "I thought, in any case, my good friend Clutterbuck, dat I vould give you vat you call in English the straight tap. It is always vell to have the straight tap."
"Thank ye, me boy," the major said heartily. "If the firm's in a bad way, either the youngster doesn't know of it, or else he's the most natural actor that ever lived. Be George! there's the tay-bell; let's get down before the bread and butther is all finished."
Mrs. Robbins was in the habit of furnishing her lodgers with an evening meal at a small sum per head. There was only a certain amount of bread and butter supplied for this, however, and those who came late were likely to find an empty platter. The two Bohemians felt that the subject was too grave a one to trifle with, so they suspended their judgment upon the Girdlestones while they clattered down to the dining-room.
Althoughnot a whisper had been heard of it in ordinary commercial circles, there was some foundation for the forecast which Von Baumser had made as to the fate of the great house of Girdlestone. For some time back matters had been going badly with the African traders. If the shrewd eyes of Major Tobias Clutterbuck were unable to detect any indications of this state of affairs in the manner or conversation of the junior partner, the reason simply was that that gentleman was entirely ignorant of the imminent danger which hung over his head. As far as he knew, the concern was as prosperous and as flourishing as it had been at the time of the death of John Harston. The momentous secret was locked in the breast of his grim old father, who bore it about with him as the Spartan lad did the fox—without a quiver or groan to indicate the care which was gnawing at his heart. Placed face to face with ruin, Girdlestone fought against it desperately, and, withal, coolly and warily, throwing away no chance and leaving no stone unturned. Above all, he exerted himself—and exerted himself successfully—to prevent any rumour of the critical position of the firm from leaking out in the city. He knew well that should that once occur nothing could save him. As the wounded buffalo is gored to death by the herd, so the crippled man of business may give up all hope when once his position is known by his fellows. At present, although Von Baumser and a few other such Ishmaelites might have an inkling from sources of their own as to how matters stood, the name of Girdlestone was still regarded by business men as the very synonym for commercial integrity and stability. If anything, there seemed to be more business in Fenchurch Street and more luxury at the residence at Eccleston Square than in former days. Only the stern-faced and silent senior partner knew how thin the veneer was which shone so deceptively upon the surface.
Many things had contributed towards this state of affairs. The firm had been involved in a succession of misfortunes, some known to the world, and others known to no one save the elder Girdlestone. The former had been accepted with such perfect stoicism and cheerfulness that they rather increased than diminished the reputation of the concern; the latter were the more crushing, and also the more difficult to bear.
Lines of fine vessels from Liverpool and from Hamburg were running to the West Coast of Africa, and competition had cut down freightage to the lowest possible point. Where the Girdlestones had once held almost a monopoly there were now many in the field. Again, the negroes of the coast were becoming educated and had a keen eye to business, so that the old profits were no longer obtainable. The days had gone by when flint-lock guns and Manchester prints could be weighed in the balance against ivory and gold dust.
While these general causes were at work a special misfortune had befallen the house of Girdlestone. Finding that their fleet of old sailing vessels was too slow and clumsy to compete with more modern ships, they had bought in two first-rate steamers. One was theProvidence, a fine screw vessel of twelve hundred tons, and the other was theEvening Star, somewhat smaller in size, but both classed A1 at Lloyd's. The former cost twenty-two thousand pounds, and the latter seventeen thousand. Now, Mr. Girdlestone had always had a weakness for petty savings, and in this instance he determined not to insure his new vessels. If the crazy old tubs, for which he had paid fancy premiums for so many years with an eye to an ultimate profit, met with no disaster, surely those new powerful clippers were safe. With their tonnage and horse-power they appeared to him to be superior to all the dangers of the deep. It chanced, however, by that strange luck which would almost make one believe that matters nautical were at the mercy of some particularly malignant demon, that as theEvening Starwas steaming up Channel in a dense fog on her return from her second voyage, she ran right into theProvidence, which had started that very morning from Liverpool upon her third outward trip. TheProvidencewas almost cut in two, and sank within five minutes, taking down the captain and six of the crew, while theEvening Starwas so much damaged about the bows that she put into Falmouth in a sinking condition. That day's work cost the African firm more than five and thirty thousand pounds.
Other mishaps had occurred to weaken the firm, apart from their trade with the coast. The senior partner had engaged in speculation without the knowledge of his son, and the result had been disastrous. One of the Cornish tin mines in which he had sunk a large amount of money, and which had hitherto yielded him a handsome return, became suddenly exhausted, and the shares went down to zero. No firm could stand against such a run of bad luck, and the African trading company reeled before it. John Girdlestone had not said a word yet of all this to his son. As claims arose he settled them in the best manner he could, and postponed the inevitable day when he should have to give a true account of their financial position. He hoped against hope that the chapter of accidents or the arrival of some brilliant cargoes from the coast might set the concern on its legs again.
From day to day he had been expecting news of one of his vessels. At last one morning he found a telegram awaiting him at the office. He tore it eagerly open, for it bore the Madeira mark. It was from his agent, Jose Alveciras, and announced that the voyage from which he had hoped so much had been a total failure. The cargo was hardly sufficient to defray the working expenses. As the merchant read it, his head dropped over the table and he groaned aloud. Another of the props which upheld him from ruin had snapped beneath him.
There were three letters lying beside the telegram. He glanced through them, but there was no consolation in any of them. One was from a bank manager, informing him that his account was somewhat overdrawn. Another from Lloyd's Insurance Agency, pointing out that the policies on two of his vessels would lapse unless paid within a certain date. The clouds were gathering very darkly over the African firm, yet the old man bore up against misfortune with dauntless courage. He sat alone in his little room, with his head sunk upon his breast, and his thatched eye-brows drawn down over his keen grey eyes. It was clear to him that the time had come when he must enlighten his son as to the true state of their affairs. With his co-operation he might carry out a plan which had been maturing some months in his brain.
It was a hard task for the proud and austere merchant to be compelled to confess to his son that he had speculated without his knowledge in the capital of the company, and that a large part of that capital had disappeared. These speculations in many instances had promised large returns, and John Girdlestone had withdrawn money from safer concerns, and reinvested it in the hope of getting a higher rate of interest. He had done this with his eyes open to the risk, and knowing that his son was of too practical and cautious a nature to embark in such commercial gambling, he had never consulted him upon the point, nor had he made any entry of the money so invested in the accounts of the firm. Hence Ezra was entirely ignorant of the danger which hung over them, and his father saw that, in order to secure his energetic assistance in the stroke which he was contemplating, it was absolutely necessary that he should know how critical their position was.
The old man had hardly come to this conclusion when he heard the sharp footfall of his son in the outer office and the harsh tones of his voice as he addressed the clerks. A moment or two later the green baize door flew open, and the young man came in, throwing his hat and coat down on one of the chairs. It was evident that something had ruffled his temper.
"Good-morning," he said brusquely, nodding his head to his father.
"Good-morning, Ezra," the merchant answered meekly.
"What's the matter with you, father?" his son asked, looking at him keenly. "You don't look yourself, and haven't for some time back."
"Business worries, my boy, business worries," John Girdlestone answered wearily.
"It's the infernal atmosphere of this place," Ezra said impatiently. "I feel it myself sometimes. I wonder you don't start a little country seat with some grounds. Just enough to ask a fellow to shoot over, and with a good billiard board, and every convenience of that sort. It would do for us to spend the time from Saturday to Monday, and allow us to get some fresh air into our lungs. There are plenty of men who can't afford it half as well, and yet have something of the sort. What's the use of having a good balance at your banker's, if you don't live better than your neighbours?"
"There is only one objection to it," the merchant said huskily, and with a forced laugh; "I have not got a good balance at the banker's."
"Pretty fair, pretty fair," his son said knowingly, picking up the long thin volume in which the finance of the firm was recorded and tapping it against the table.
"But the figures there are not quite correct, Ezra," his father said, still more huskily. "We have not got nearly so much as that."
"What!" roared the junior partner.
"Hush! For God's sake don't let the clerks hear you. We have not so much as that. We have very little. In fact, Ezra, we have next to nothing in the bank. It is all gone."
For a moment the young man stood motionless, glaring at his father. The expression of incredulity which had appeared on his features faded away before the earnestness of the other, and was replaced by a look of such malignant passion that it contorted his whole face.
"You fool!" he shrieked, springing forward with the book upraised as though he would have struck the old merchant. "I see it now. You have been speculating on your own hook, you cursed ass! What have you done with it?" He seized his father by the collar and shook him furiously in his wrath.
"Keep your hands off me!" the senior partner cried, wrenching himself free from his son's grasp. "I did my best with the money. How dare you address me so?"
"Did your best!" hissed Ezra, hurling the ledger down on the table with a crash. "What did you mean by speculating without my knowledge, and telling me at the same time that I knew all that was done? Hadn't I warned you a thousand times of the danger of it? You are not to be trusted with money."
"Remember, Ezra," his father said with dignity, re-seating himself in the chair from which he had risen, in order to free himself from his son's clutches, "if I lost the money, I also made it. This was a flourishing concern before you were born. If the worst comes to the worst you are only where I started. But we are far from being absolutely ruined as yet."
"To think of it!" Ezra cried, flinging himself upon the office sofa, and burying his face in his hands. "To think of all I have said of our money and our resources! What will Clutterbuck and the fellows at the club say? How can I alter the ways of life that I have learned?" Then, suddenly clenching his hands, and turning upon his father he broke out, "We must have it back, father; wemust, by fair means or foul. You must do it, for it was you who lost it. What can we do? How long have we to do it in? Is this known in the City? Oh, I shall be ashamed to show my face on 'Change." So he rambled on, half-maddened by the pictures of the future which rose up in his mind.
"Be calm, Ezra, be calm!" his father said imploringly. "We have many chances yet if we only make the best of them. There is no use lamenting the past. I freely confess that I was wrong in using this money without your knowledge, but I did it from the best of motives. We must put our heads together now to retrieve our losses, and there are many ways in which that may be done. I want your clear common sense to help me in the matter."
"Pity you didn't apply to that before," Ezra said sulkily.
"I have suffered for not doing so," the older man answered meekly. "In considering how to rally under this grievous affliction which has come upon us, we must remember that our credit is a great resource, and one upon which we have never drawn. That gives us a broad margin to help us while we are carrying out our plans for the future."
"What will our credit be worth when this matter leaks out?"
"But it can't leak out. No one suspects it for a moment. They might imagine that we are suffering from some temporary depression of trade, but no one could possibly know the sad truth. For Heaven's sake don't you let it out!"
His son broke into an impatient oath.
A flush came into Girdlestone's sallow cheeks, and his eyes sparkled angrily.
"Be careful how you speak, Ezra. There are limits to what I will endure from you, though I make every allowance for your feelings at this sudden catastrophe, for which I acknowledge myself responsible."
The young man shrugged his shoulders, and drummed his heel against the ground impatiently.
"I have more than one plan in my head," the merchant said, "by which our affairs may be re-established on their old footing. If we can once get sufficient money to satisfy our present creditors, and so tide over this run of bad luck, the current will set in the other way, and all will go well. And, first of all, there is one question, my boy, which I should like to ask you. What do you think of John Harston's daughter?"
"She's right enough," the young man answered brusquely.
"She's a good girl, Ezra—a thoroughly good girl, and a rich girl too, though her money is a small thing in my eyes compared to her virtue."
Young Girdlestone sneered. "Of course," he said impatiently. "Well, go on—what about her?"
"Just this, Ezra, that there is no girl in the world whom I should like better to receive as my daughter-in-law. Ah, you rogue! you could come round her; you know you could." The old man poked his long bony finger In the direction of his son's ribs with grim playfulness.
"Oh, that's the idea, is it?" remarked the junior partner, with a very unpleasant smile.
"Yes, that is one way out of our difficulties. She has forty thousand pounds, which would be more than enough to save the firm. At the same time you would gain a charming wife."
"Yes, there are a good many girls about who might make charming wives," his son remarked dubiously. "No matrimony for me yet awhile."
"But it is absolutely necessary," his father urged.
"A very fine necessity," Ezra broke in savagely. "I am to tie myself up for life and you are to use all the money in rectifying your blunders. It's a very pretty division of labour, is that."
"The business is yours as well as mine. It is your interest to invest the money in it, for if it fails you are as completely ruined as I should be. You think you could win her if you tried?"
Ezra stroked his dark moustache complacently, and took a momentary glance at his own bold handsome features in the mirror above the fire-place. "If we are reduced to such an expedient, I think I can answer for the result," he said. "The girl's not a bad-looking one. But you said you had several plans. Let us hear some of the other ones. If the worst comes to the worst I might consent to that—on condition, of course, that I should have the whole management of the money."
"Quite so—quite so," his father said hurriedly. "That's a dear, good lad. As you say, when all other things fail we can always fall back upon that. At present I intend to raise as much money as I can upon our credit, and invest it in such a manner as to bring in a large and immediate profit."
"And how do you intend to do this?" his son asked doubtfully.
"I intend," said John Girdlestone, solemnly rising up and leaning his elbow against the mantelpiece—"I intend to make a corner in diamonds."