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was a tall, lank, loose-jointed man, with long black hair that lay well over his Byronic collar. He had a humorous eye and a cavernous mouth that was always twisting itself into grimaces, alternately side-splitting and terrifying. On occasions he would use the birch—and very thoroughly, too, as I have reason to remember —but he ruled us by fear of authority. For though he dressed like a clergyman, he always smelled strongly of stale cigar smoke, and his language at times was more forcible than is generally expected of a wearer of the cloth.

      I dwelt with the Quirks, winter and summer, until I was able to pass my examinations for Harvard, which I did in the summer of 1871. My allowance had been gradually increased to meet my new expenses, and I entered the freshman class with an income sufficient to permit me to dress suitably and enjoy myself in such simple ways as were in vogue among the collegians. But coming as I did, alone, from a small boarding-school, proved to be a great disadvantage, for I had all my friends to make after my arrival and I had neither the means nor the address to acquire ready-made social distinction. Thus it happened that I was very lonely during my first years in Cambridge; missed the genial companionship of my old friends, the Quirks, and seized every opportunity that offered for going back to Methuen.

      I had grown into a tall, narrow-shouldered youth, with a high-arched nose between rather pale cheeks, and prominent ears. Though I could hardly flatter myself into the belief that I was handsome, I felt that my appearance had something of distinction and that I looked like a gentleman. I affected coats with long tails and a somewhat dandified style of waistcoat and neck-cloth, as well as a white beaver, much in favor among the "bloods" of those days. But this took most of my available cash, and left me little to expend in treating my fellow students at the tavern or in enjoying the more substantial culinary delights of the Boston hotels. Thus though I made no shabby friends I acquired few genteel ones, and I began to feel keenly the disadvantages of a lean purse. I was elected into none of the clubs, nor did I receive any invitations to the numerous balls given in Boston or even to those in Cambridge. This piqued my pride, to be sure, but only intensified my resolution to become a man of fashion on my own account. If my classmates could get on without me I felt that I could get on without them, and I resolutely declined to appreciate any social distinction that might artificially exist between a man born in Salem and one born in Lynn, although I now understand that such distinction exists, at least so far as Boston society is concerned. Consequently as time went on and I could achieve prominence in no other way, I sought consolation for the social joys denied by my betters in acquiring the reputation of a sport. I held myself coldly aloof from the fashionable men of my class and devoted myself to a few cronies who found themselves in much the same position as my own. In a short time we became known as the fastest set in college, and our escapades were by no means confined to Cambridge, but were carried on with great impartiality in Boston and the neighboring towns.

      We organized a club, which we called the Cock and Spur, and had a rat-pit and cock-fights in the cellar, on which occasions we invited out young actors from the Boston Museum and Howard Athenaeum stock companies. These in turn pressed us with invitations to similar festivities of their own, and we thus became acquainted with the half-world of the modern Athens, which was much worse for us, I trow, than would have been the most desperate society of our college contemporaries. There was a club of young actors that we used to frequent, where light comedy sketches and scenes from famous plays were given by the members, and in due time several of us were admitted to membership. Of these I was one and learned to do a turn very acceptably. On one occasion I took a small part upon the Boston Museum stage to fill the place made vacant by the illness of a regular member of the cast—an illness due in part to a carousal at the Cock and Spur the night before, in which he had come out second best.

      We were a clever crew, however, and never gave the faculty reason to complain of any failure on our part to keep up in our studies. When examination time came we hired an impecunious coach and, retiring from the world, acquired in five days knowledge that our fellows had taken eight months to imbibe. It is true that the college at large viewed us with some disgust, but we chose to regard this as mere envy. That we were really objectionable must, however, be admitted, for we smoked cigars in the Yard, wore sky-blue pantaloons and green waistcoats, and cultivated little side whiskers of the mutton-chop variety; while our gigs and trotters were constantly to be seen standing in Harvard Square, waiting for the owners to claim them and take the road.

      On Sundays, when the decorous youths of Boston had retired to Beacon Street for their midday family feast of roast beef and baked beans, the members of the Cock and Spur might be observed in their white beaver hats driving countryward in chaises from the local livery stables, seated beside various fair ladies from the Boston stage or the less distinguished purlieus of the Cambridge chop-houses. At noon these parties would foregather at some country tavern and spend long afternoons singing, drinking, and playing draw poker and other games of chance; and occasionally we would fight a main of cocks in some convenient pig-pen.

      But this sort of life took money, and I soon found myself borrowing freely from my associates, most of whom were young fellows from other States who had already come into their inheritances and had gone to Harvard to get rid of them under the most approved conditions. For these I came to stand as a sort of sponsor, and was looked up to by them as a devil of a fellow, for I swore picturesquely and had a belligerently unpleasant manner that was regarded as something quite out of the ordinary and distinguished. These youthful spendthrifts I patronized and taught the mysteries of a sporting life, and for a time it became quite smart for a fellow to have gone on one of "Quib's" notes. These notes, however, increased rapidly in number, and before long amounted to such a prodigious sum that they gave me great uneasiness.

      My habits had become extravagant and careless. Having no money at all I took no heed of what I did with that of others, for I hardly believed that I could ever repay any of it. But I continued on in my luxurious ways, well knowing that any change in my mode of life would precipitate a deluge. The safety of my position lay in owing everybody, and in inducing each to believe that he would be the one person ultimately or immediately to be paid. Moreover, I was now completely spoiled and craved so ardently the enjoyments in which I had indulged that I would never of myself have had the will to abjure them. I had gained that which I sought—reputation. I was accounted the leader of the fast set—the "All Knights" as we were known—and I was the envy and admiration of my followers. But this bred in me an arrogance that proved my undoing. It was necessary for me to be masterful in order to carry off the pose of leadership, but I had not yet learned when to conciliate.

      It so happened that in the spring of my junior year my creditors became more than usually pressing, and at the same time a Jew by the name of Poco Abrahams began to threaten suit on a note of mine for two thousand dollars, which I had discounted with him for seven hundred and fifty. I made my usual demands upon my friends and offered to do them the favor of letting them go on some more of my paper, but without the usual result. I then discovered to my annoyance that a wealthy young fellow know as "Buck" de Vries, who had considered himself insulted by something that I had said or done, had been quietly spreading the rumor that I was a sort of hocus-pocus fellow and practically bankrupt, that my pretensions to fashion were ridiculous, and that I made a business of living off other people. Incidentally he had gone the rounds, and, owing to the rumors that he himself had spread, had succeeded in buying up most of my notes at a tremendous discount. These he lost no time in presenting for payment, and as they amounted to several thousand dollars my hope of reaching a settlement with him was small. In point of fact I was quite sure that he wanted no settlement and desired only revenge, and I realized what a fool I had been to make an enemy out of one who might have been an ally.

      In this embarrassing situation I bethought me of old Mr. Toddleham, and accordingly paid him an unexpected visit at Barristers' Hall. It was a humid spring day, and I recall that the birds were twittering loudly in the maples back of the Probate Office. As befitted my station at the time of year, I was arrayed in a new beaver and a particularly fanciful pair of rather tight trousers.

      "Come in," squeaked Mr. Toddleham, and I entered easily.

      The old lawyer peered quizzically at me from behind his square- boned spectacles.

      "Oh," said he, "it's you, Master Quibble."

      "The same, and your most obedient," I replied, letting myself fall gracefully into a chair and crossing my

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