LITMIR.BIZ

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under breath and in whispers and envious murmurs, that should a man borrow a five-pound note of him, that borrower would count himself lucky if he escaped with the loss of seventy-five pounds; and might generally expect to lose the whole of his household furniture, and the half of his income, for the rest of his natural life. To be sure, he sometimes had losses, as he said himself, with a groan; as when an unscrupulous client jumped off the Embankment, when he had not paid more than fifty pounds on the original five; or when a wicked man sold off his furniture secretly, in contempt of the bill of sale, and got clean out of the country with his wife and children. But on the whole he did pretty well. It was further said, by old clients, that his heart was a simple piece of round granite, for which he had no use, and that he made money out of it by letting it out at so much an hour for a paving mallet.

      Mr. Robert Hellyer was not a genial man, or a cheerful or a pleasant man to look upon; he neither loved nor comprehended a jest; he never smiled; he kept his mind always employed on the conduct of his business. Every night – forgive the solitary weakness – he drank as much as he could carry. In appearance, he was red-faced, thick-necked, and stout; his voice was thick even in the morning, when he was under no compulsion to thickness; it was believed by his friends that his education had been imperfect; perhaps because he never gave anybody reason to suppose that he had ever received any education at all. To such men as Mr. Hellyer, who every night take much strong drink, and on no occasion whatever take any exercise, sixty is the grand climacteric. He was, a year ago, just fifty-nine. Alas! he has not even reached his grand climacteric. Already he is gone. He was cut off by pneumonia, or apoplexy, last Christmas. Those who saw the melancholy cortège filing out of the narrow gates of Barnard's Inn, mournfully remarked that none of his money was taken with him, and asked what happiness he could possibly find in the next world, which he would begin with nothing – nothing at all – not even credit – an absolute pauper.

      Mr. Robert Hellyer sat on one side of the empty fireplace. On the opposite side, a great contrast to his coarse and vulgar race, sat an elderly man, tall, thin, dressed in a coat whose sleeves were worn to shininess. His face was dejected: his features were still fine: he was evidently a gentleman. This person was a barrister, decayed and unsuccessful; he lived in a garret in Gray's Inn. There are a good many wrecks at the Bar, but few quite so forlorn as this poor old man. He still professed to practise, and picked up a guinea now and then by defending criminals. On these casual fees he managed to live. His clothes were threadbare; it was many years since he had had a greatcoat; on rainy and cold days he had a thin cape which he wore over his shoulders. Heaven knows how he dined and breakfasted; every evening, except in the hot days of summer, he came to this place for light and warmth. Unless he was very poor indeed, he called for a pint of old and mild and read the day's paper. Sometimes he talked, but not often; sometimes one or other of the company would offer him a more costly drink, which he always accepted with all that was left to him of courtesy. Outside, he had no friends; they had all forgotten him or died – it is very easy for a poor man to be forgotten; he had no relations; they had all died, emigrated, and dispersed; the relations of the unsuccessful are easily lost. When he talked, he sometimes became animated, and would tell anecdotes of the Bar and of the time when he was called, nearly fifty years agone, by the Benchers of Gray's Inn. What had become of the hopes and ambitions with which that young man entered upon the profession, which was to lead him to the parlour of the Salutation and the company that gathered there – and to the bare and miserable garret of Gray's Inn, forgotten and alone?

      Another man, also elderly, who sat next to the barrister, was a gentleman who sold an excellent business and retired, in order to betake himself more completely to toping. He drank in three taverns during the day. One was in Fleet Street, where he took his chop at three; one was near Drury Lane Theatre, where he dallied with a little whisky from five to nine; and this was the third. He was a quiet, happy, self-respecting, dignified old man. In the evening, he spoke not at all – for sufficient reasons; but he benevolently inclined his head if he was addressed.

      Next to him sat a younger man, a solicitor, whose practice consisted in defending prisoners in the Police Courts. He had with him two friends, and he had a confident swagger, which passed for ability. Next to him and his friends was a house agent, who had been a member for an Irish borough: and there was a gentleman, whose wife sang in music halls, so that this fortunate person could – and did – sit about in taverns all day long. His appearance was that of a deboshed City clerk, as he was. Not to mention other members of the company, Checkley was there, occupying a chair next to the money-lender.

      Here he was called Mr. Checkley. He came every evening at nine o'clock, Sundays included. Like the money-lender, he wanted his little distractions, and took them in this way. Here, too, he was among those who respected him, not so much on account of his public and private virtues, or for his eminence in the law, as his money. It is not often that a solicitor's clerk becomes a 'warm' man, but then it is not often that one of the calling deliberately proposes to himself early in life to save money, and lives till seventy-five steadily carrying out his object. If you are good at figures, you will understand how Mr. Checkley succeeded. Between the ages of eighteen and twenty-five he had an income which averaged about seventy-five pounds. He lived upon fifty pounds a year. From twenty-five to thirty-five he made an average of one hundred and fifty pounds: he still lived upon fifty pounds a year. At thirty-five he was induced by prudential considerations to marry: the lady, considerably his senior, had a thousand pounds. She was even more miserly than himself, and in a year or so after marriage, she fell into a decline, owing to insufficient nourishment, and presently expired. On the whole he calculated that he was the better man for the marriage by a thousand pounds. From thirty-five to forty-five his income rose to two hundred pounds: it then for twenty-five years stood at three hundred pounds a year; at the age of seventy Mr. Dering gave him four hundred pounds. Therefore, to sum up, he had put by out of his pay the sum of 11,675l. – and this without counting the compound interest always mounting up from his investments, which were all of a careful kind such as he understood: tenement houses, of which he had a good number: shares in building societies: money lent on bills of sale or on mortgage. At home – Mr. Checkley lived on the ground floor of one of his own houses – he grew more miserly as he grew older. The standard of luxury is not high when fifty pounds a year covers all; but of late he had been trying to keep below even that humble amount. He conducted his affairs in the evening between his office hours and nine at his own house, or among the people where his property lay. It was in the district, visited by few, lying east of Gray's Inn Road: his own house was in a certain small square, a good half of the houses in which belonged to him.

      At nine o'clock he arrived at the tavern. Here his drinks cost him nothing. A custom had grown up in the course of years for the money-lender to consult him on the many difficult points which arise in the practice of his profession. He was one of those who like to have one foot over the wall erected by the law, but not both. In other words, he was always trying to find out how far the law would allow him to go, and where it called upon him to stop. With this view he schemed perpetually to make his clients sign bonds under the delusion that they meant a hundredth part of what they really did mean. And as, like all ignorant men, he had the most profound belief in the power and the knowledge and the chicanery of lawyers, he was pleased to obtain Checkley's advice in return for Checkley's drinks.

      It was a full gathering. The old clerk arrived late: he was gratified at hearing the ex-M.P. whispering to his friends that the new arrival was worth his twenty thousand pounds if a penny. He swelled with honourable pride. Yes. Twenty thousand pounds! And more – more. Who would have thought, when he began as an office boy, that he could ever achieve so much?

      The money-lender, bursting with a new case, real or supposed, took his pipe out of his mouth and communicated it in a hoarse whisper.

      'Suppose – ' it began.

      'Then' – Checkley replied when the case was finished – 'you would lay yourself open to a criminal prosecution. Don't you go so much as to think of it. There was a case twenty-five years ago exactly like it. The remarks of the judge were most severe, and the sentence was heavy.'

      'Ah!' The usurer's red face grew redder. 'Then it can't be thought of. Pity, too. There's a houseful of furniture and a shopful of stuff. And a young man as it would do good to him just to start fair again. Pity. – Put a name to it, Mr. Checkley.'

      'Rum.

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