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in front of the Royal Exchange in Threadneedle Street, and is now very miserably writing for the papers.

      John Bull, whom I knew very well, drove a great trade in tea, cotton goods, and bombazine, as also in hardware, all manner of cutlery, good and bad, and especially sea-coal, and was very highly respected in the City of London, of which he was twice Sheriff and once Lord Mayor. When he went abroad some begged of him, and to these he would give a million or so at a time openly in the street, so that a crowd would gather and cry, "Lord! what a generous fellow is this Mr. Bull!" Some, again, of better station would pluck his sleeve and take him aside into Broad Street Corner or Mansion House Court, and say, "Mr. Bull, a word in your ear. I have more paper about than I care for in these hard times, and I could pay you handsomely for a short loan." These always found Mr. Bull willing and ready, sure and silent, and, withal, cheaper at a discount than any other. For buying cloth all came to Bull; and for buying other wares his house was preferred to those of Frog and Hans and the rest, because he was courteous and ready, always to be found in his office (which was near the Wool-pack in Leaden Hall Street, next to Mr. Marlow's, the Methodist preacher), and moreover he was very attentive to little things. This last habit he would call the soul of business. In such fashion Mr. Bull had accumulated a sum of five hundred thousand million pounds, or thereabouts, and when he died the neighbours said this and that spiteful thing about his son Jack whom he had trained up to the business, making out that they knew more than they cared to say, that Jack was not John, that they had heard of Pride going before a fall, and so much tittle-tattle as jealousy will breed. But they were very much disappointed in their malice, for this same Jack went sturdily to work and trod in his father's steps, so that his wealth increased even beyond what he had inherited, and he had at last more risks upon the sea in one way and another than any other merchant in the City. And if you would know how Jack (who was, to tell the truth, more flighty and ill-informed than his father) came to go so wisely, it was thus: Old John had left him a few directions writ up in pencil on the mantelpiece, which ran in this way:—

      1 Never go into an adventure unless the feeling of your neighbours be with you.

      2 Spend no more than you earn—nay, put by every year.

      3 Put out no money for show in your business but only for use, save only on the occasion of the Lord Mayor's Show, your taking of an office, or on the occasion of public holidays, as, when the King's wife or daughter lies in.

      4 Live and let live, for be sure your business can only thrive on the condition that others do also.

      5 Vex no man at your door; buy and sell freely.

      6 Do not associate with Drunkards, Brawlers and Poets; and God's blessing be with you.

      Now when Jack was grown to about thirty years old, he came, most unfortunately, upon a certain Sir John Snipe, Bart., that was a very scandalous young squire of Oxfordshire, and one that had published five lyrics and a play (enough to warn any Bull against him), who spoke to him somewhat in this fashion:—

      "La! Jack, what a pity you and I should live so separate! I'll be bound you're the best fellow in the world, the very backbone of the country. To be sure there's a silly old-fashioned lot of Lumpkins in our part that will have it you're no gentleman, but I say, 'Gentle is as Gentle does,' and fair play's a jewel. I will enter your counting-house as soon as drink to you, as I do here."

      Whereat Jack cried—

      "God 'a' mercy, a very kind gentleman! Be welcome to my house. Pray take it as your own. I think you may count me one of you? Eh? Be seated. Come, how can I serve you?": and at last he had this Jackanapes taking a handsome salary for doing nothing.

      When Jack's friends would reproach him and say, "Oh, Jack, Jack, beware this fine gentleman; he will be your ruin," Jack would answer, "A plague on all levellers," or again, "What if he be a gentleman? So that he have talent 'tis all I seek," or yet further, "Well, gentle or simple, thank God he's an honest Englishman." Whereat Jack added to the firm, Isaacs of Hamburg, Larochelle of Canada, Warramugga of Van Dieman's Land, Smuts Bieken of the Cape of Good Hope, and the Maharajah of Mahound of the East Indies that was a plaguey devilish-looking black fellow, pock-marked, and with a terrible great paunch to him.

      So things went all to the dogs with poor Jack, that would hear no sense or reason from his father's old friends, but was always seen arm in arm with Sir John Snipe, Warra Mugga, the Maharajah and the rest; drinking at the sign of the "Beerage," gambling and dicing at "The Tape," or playing fisticuffs at the "Lord Nelson," till at last he quarrelled with all the world but his boon companions and, what was worse, boasted that his father's brother's son, rich Jonathan Spare, was of the company. So if he met some dirty dog or other in the street he would cry, "Come and sup to-night, you shall meet Cousin Jonathan!" and when no Jonathan was there he would make a thousand excuses saying, "Excuse Jonathan, I pray you, he has married a damned Irish wife that keeps him at home"; or, "What! Jonathan not come? Oh! we'll wait awhile. He never fails, for we are like brothers!" and so on; till his companions came to think at last that he had never met or known Jonathan; which was indeed the case.

      About this time he began to think himself too fine a gentleman to live over the shop as his father had done, and so asked Sir John Snipe where he might go that was more genteel; for he still had too much sense to ask any of those other outlandish fellows' advice in such a matter. At last, on Snipe's bespeaking, he went to Wimbledon, which is a vastly smart suburb, and there, God knows, he fell into a thousand absurd tricks so that many thought he was off his head.

      He hired a singing man to stand before his door day and night singing vulgar songs out of the street in praise of Dick Turpin and Molly Nog, only forcing him to put in his name of Jack Bull in the place of the Murderer or Oyster Wench therein celebrated.

      He would drink rum with common soldiers in the public-houses and then ask them in to dinner to meet gentlemen, saying "These are heroes and gentlemen, which are the two first kinds of men," and they would smoke great pipes of tobacco in his very dining-room to the general disgust.

      He would run out and cruelly beat small boys unaware, and when he had nigh killed them he would come back and sit up half the night writing an account of how he had fought Tom Mauler of Bermondsey and beaten him in a hundred and two rounds, which (he would add) no man living but he could do.

      He would hang out of his window a great flag with a challenge on it "to all the people of Wimbledon assembled, or to any of them singly," and then he would be seen at his front gate waving a great red flag and gnawing a bone like a dog, saying that he loved Force only, and would fight all and any.

      When he received any print, newspaper, book or pamphlet that praised any but himself, he would throw it into the fire in a kind of frenzy, calling God to witness that he was the only person of consequence in the world, that it was a horrible shame that he was so neglected, and Lord knows what other rubbish.

      In this spirit he quarrelled with all his fellow-underwriters and friends and comrades, and that in the most insolent way. For knowing well that Mr. Frog had a shrew of a wife, he wrote to him daily asking "if he had had a domestic broil of late, and how his poor head felt since it was bandaged." To Mr. Hans, who lived in a small way and loved gardening, he sent an express "begging him to mind his cabbages and leave gentlemen to their greater affairs." To Niccolini of Savoy, the little swarthy merchant, he sent indeed a more polite note, but as he said in it "that he would be very willing to give him charity and help him as he could" and as he added "for my father it was that put you up in business" (which was a monstrous lie, for Frog had done this) he did but offend. Then to Mr. William Eagle, that was a strutting, arrogant fellow, but willing to be a friend, he wrote every Monday to say that the house of Bull was lost unless Mr. Eagle would very kindly protect it and every Thursday to challenge him to mortal combat, so that Mr. Eagle (who, to tell the truth, was no great wit, but something of a dullard and moreover suffering from a gathering in the ear, a withered arm, and poor blood) gave up his friendship and business with Bull and took to making up sermons and speeches for orators.

      He would have no retainers but two, whose common names were Hocus and Pocus, but as he hated the use of common names and as no one had heard of Hocus' lineage (nor did he himself know it) he called him, Hocus, "Freedom" as being a

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