LITMIR.BIZ

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full of company. "What is it all to come to?" cried his poor, anxious, angry, disappointed, despairing mother, seeking opportunities to have a few words with him, to speak to him seriously, to remind him of his duty. To be sure she did a great deal more harm than good. She drew many a blow upon herself which she might have escaped had she been content to allow that his life had passed far beyond her guidance; but the poor lady would not be taught. And it was quite true what John Vernon said. It would take a long time, he told her, before a few horses and pleasant company would affect Vernon's bank. As the head of that establishment he was expected to be hospitable, and keep almost open house; the country which trusted in him knew he could afford it. The Redborough people went further, and liked to see the confidence with which he spent his money. What could that do to Vernon's? He had never lived up to his income yet, he believed. So he told his mother, who was never satisfied, and went on till the day of her death always seeking a few words with him—an opportunity of speaking seriously to her son. Poor mother! nothing went very well with her; perhaps she was not clever either at managing her children or her money. The partisans of the Vernons said so at least; they said so of all the wives that were not Vernons, but interlopers, always working harm. They said so also of Mrs. John, and there his mother thought they were not far wrong. But none of her children turned out very satisfactorily; the girls married badly; Edward, her younger son, went into the Church, and never was more than a vicar, and their money matters would not go right. Certainly she was not a fortunate woman. But she died, happily for her, before anything material happened to realise her alarms in respect to John.

      It is astonishing how money grows when it is in the way of growing—when it has got the genuine impulse and rolls every kindred atom near it, according to some occult law of attraction, into itself. But just as wonderfully as money grows does it melt away when the other—the contrary process—has begun. John Vernon was quite right in saying that the bank justified, nay, almost demanded, a certain amount of expenditure from its chief partner. And he was more, much more, than its chief partner. Catherine, though she was as deeply interested in it as himself, took no responsibility whatever—how should she, a girl who knew as much about money as her pony did? She took less interest, indeed, than in ordinary circumstances she would have done, for there was certainly something, whatever it might be, which had interrupted the natural intercourse between the two cousins. They were not at ease with each other like brother and sister, as everything suggested they ought to have been—not sufficiently at ease to consider their mutual interests together, as partners ought to have done. This, one of them at least thought, would have been ridiculous in any case. When his lawyers asked what Catherine thought on this or that subject, he laughed in their faces.

      "What should she think? What should she know? Of course she leaves all that to me," he said. "How can a girl understand banking business?"

      But this did not satisfy the respectable firm of solicitors who advised the banker.

      "Miss Vernon is not a girl any longer," said Mr. Pounce, who was its head; upon which John Vernon laughed, one of those offensive laughs with which a coarse-minded man waves the banner of his sex over an unmarried woman.

      "No," he said, "Catherine's growing an old maid. She must look alive if she means to get a husband."

      Mr. Pounce was not a sentimentalist, and no doubt laughed sometimes too at the unfortunate women who had thus failed in the object of their life; but he respected Miss Vernon, and he was very doubtful of her cousin.

      "Husband or no husband, I think she ought to be consulted," he said.

      "Oh, I will take Catherine in my own hands," was the cousin's reply.

      And thus life went on, very gay, fast, amusing, and expensive on one side; very quiet and uneventful on the other. John Vernon built himself a grand new house, in which there were all the latest improvements and scientific luxuries, which the most expensive upholsterers filled with the most costly furniture, and for which the skilfullest gardeners all but created ready-made trees and shrubberies. He filled it with fine company—names which the clerks at the bank felt were a credit to the establishment, and which the townsfolk looked upon with admiring awe: and there was nothing in the county to equal Mrs. John Vernon's dresses and diamonds. What is all that to a great bank, gathering money every hour?—nothing! Even Mr. Pounce acknowledged this. Personal extravagance, as long as it is merely hospitality and show, must go a very long way indeed before it touches the great revenue of such a business. It was not the diamonds nor the feasts that they were afraid of. But to be lavish with money is a dangerous fault with a man who is a business man. It is a very common sin, but there is nothing more perilous. In Manchester or Liverpool, where they turn over a fortune every day, perhaps this large habit of sowing money about does not matter. People there are accustomed to going up and down. Bankruptcy, even, does not mean the end of the world in these regions. But a banker in a country town, who has all the money of a district in his hands, should not get into this reckless way. His clients are pleased—up to a certain limit. But when once the first whisper of suspicion has been roused it flies fast, and the panic with which rural depositors rush upon a bank which has awakened the ghost of an apprehension, is even more cruel and unreflecting than other panics. It went on a long time, and where it was that the first suggestion came from, nobody ever knew. Probably it did not come from any one—it was in the air, it struck two people, all at once, talking to each other, and the electricity of the contact found a single syllable of utterance. When that was done, all was done. Everybody had been waiting for this involuntary signal; and when it came, it flew like lightning through all Redborough, and out into the roads and lanes—to distant farmhouses, into the rectories and vicarages, even to the labourer's cottage. "It's said as Vernon's bank's a-going to break," the ploughmen in the fields said to each other. It did not matter much to them; and perhaps they were not sorry that the farmer, who grew fat (they thought) on their toil, should feel that he was also human. The farmers had something of the same feeling in respect to their landlords, but could not indulge it for the furious terror that took possession of themselves. Vernon's bank! Safer than the Bank of England, was what they had all said exultingly. Very few of them had sufficient command of themselves to wait now and inquire into it and see how far the panic was well founded. To wait would have been to leave the chance of salvation to other men.

      Mrs. John Vernon was considered very refined and elegant according to the language of the day, a young lady with many accomplishments. But it was the fashion of the time to be unpractical just as it is the fashion of our time that women should understand business and be ready for any emergency. To wear your hair in a high loose knot on the top of your head, with ringlets straying down your cheek, and across the always uncovered whiteness of your shoulders, and to sing the songs of Mr. Haynes Bayley, "Oh no, we never mention her," or "The Soldier's Tear"—could anything be more entirely inconsistent with business habits? Mrs. John would have considered it a slight to the delicacy of her mind to have been supposed to know anything about the bank; and when the head clerk demanded an audience at an unseasonable hour one summer evening she was entirely taken aback.

      "Me! do you mean that it is me Mr. Rule wants to see?" she asked of the servant in consternation.

      "He did ask for master, ma'am," said the man, "but as master's from home he said he must see my lady. He looks very flustered. I'll say that for him," he added.

      To be sure William had heard the whisper in the air, and was more or less gratified that Mr. Rule should be flustered; but as for his lady, she saw no connection whatever between Mr. Rule's excitement and herself.

      "I do not see what good I can do him, William; and it's not an hour at which I ever receive people. I am sure I don't know what he can want with me."

      "It's business, I think, ma'am," said the servant, with a little eagerness. He wanted immensely himself to know what it was, and it did not occur to him as possible that his mistress, so much more interested than he, should be without anxiety or concern.

      "Business!" said Mrs. John, "what do I know about business? However," she added, "if he is so desirous, perhaps you had better show him up. Your master is always pleased when I pay a little attention to the clerks. He says it does good."

      "Yes, ma'am," said William.

      Being a reasonable human creature he was touched in spite of himself

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