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stubbornness. I was older now, and could see with the eyes of a man. Not only did I acquit him of all intention of wrong, but I could have fallen on my knees before him, and asked his pardon for my own offences. I wrote a long letter to Anna, and described in lively colours my own agreeable surprise, desired her to be of good heart, and to rely upon my prudence. I engaged to write daily, to announce the progress of my mission—and to advise her of the proposed arrangements. This was my first communication. Before she could receive a second, I had put my hand to paper, and signed my death-warrant. I had irretrievably committed myself. I was living with my uncle. His wine was of the best. He could drink freely of it, and get cooler and more collected at each glass, but frequent draughts animated and inflamed my younger head. He spoke to me with kindness, and I grew confiding and loquacious. I told him of my engagement with Anna, described her beauty, extolled her virtues. He seized the golden opportunity, and reproved me gently for the little consideration which I exhibited for one so worthy of my love. It was unpardonably selfish to hesitate one instant longer. It was due to her, and to our future offspring, to make every provision for their maintenance and comfort. It was madness to overlook the advantages which my mother's offer gave. She herself, the lovely Anna, as her cares increased, would mourn over the cruel obstinacy of him who might have placed her beyond anxiety and apprehension, but who preferred to keep her poor, dependent, joyless. She was young, and spoke, doubtless, as she felt—but time would dissipate romance, and bitterly would she regret that he who professed to love her had not taken pains to prove that love more thoughtful and sincere. So he went on—and, in the height of his appeal, a visitor was announced—Mr Gilbert, an old friend, an intimate, who was immediately admitted. I was requested not to mind him, for he knew every secret of my uncle's. The latter repeated my story, and ended with an account of my ingratitude to Anna. Mr Gilbert could scarcely speak for his astonishment. He shook his head severely, and vowed the case was quite unparalleled. I drank on—the thought of the immediate possession of my Anna flashed once powerfully and effectually across my brain, and I held out no longer. I yielded to the sweet solicitation—and was lost.

      "On the following morning, Mr Gilbert arrived to breakfast. The subject was resumed. My uncle produced a paper, which he had hastily drawn up. It should be signed by all. Mr Gilbert, as a friend, could witness it. It was a rough draught, but would answer every purpose for the present. The statement was very simple. My mother left in the firm twenty thousand pounds in stock, and cash and book debts. For this I made myself responsible, and undertook to pay an interest of five per cent. All profits in the business were my own. Fool that I was, I signed the document without reflection—gave, with one movement of the pen, my liberty, my happiness, and life, into the power of one who had for years resolved to get them in his clutch. My uncle followed with his signature—then Mr Gilbert. To make all sure, however, a clerk of the former was summoned to the room, and requested to act as second witness to the deed.

      "You are perfectly satisfied with the contents?' said Mr Gilbert to my uncle, when the clerk had finished.

      "'Quite so,' was the answer.

      "'And you, sir?' he continued, turning then to me.

      "'I answered, 'Yes,' whilst a sickening shudder crept through my blood, and the remonstrance of Anna sounded in my ears like a knell.

      "I remained in London, and a week after this ceremony I entered upon my duties at the counting-house. At the earnest recommendation of my uncle, I carried into the business, as additional capital, the sum of money from which I had hitherto derived my income. This amounted to nearly four thousand pounds. It may seem strange to you, sir, as it does to me now, that I should so readily have adopted the statement of my uncle, and so deeply involved myself upon the strength of his simple ipse dixit. It was a mad-man's act, and yet there were many excuses for it at the time. I was but a boy—fresh from a life of retirement and study—unused to the ways of men—unprepared for fraud. Satisfied of my own integrity, I believed implicitly in the ingenuousness of others. I had no friend to act for me—to investigate and warn—my heart was burthened with its love, and all my thoughts were far away. The business had prospered for years, and it was conducted externally as in the days of my poor father. All was decorous and business-like, and the reputation of the house was high and unblemished. There was nothing in the appearance of things to excite suspicion—and not a breath was suggested from my own too easy and confiding nature. The father of my betrothed! was delighted at the step which I had taken. He wrote me an impassioned letter, full of praise and brilliant prophecies, none of which he lived to see fulfilled. His daughter, he assured me, would yet be grateful to me for the firmness I had evinced, and that the blessing of Heaven must attend conduct so estimable and wise. Anna herself wrote in another strain. The act which she had so long dreaded was accomplished—it was useless to look back—she could only hope and pray for the future. She entreated me to be careful of my health, and to accustom myself gradually to my new employment. It was a consolation to behold her father so very happy, and to find me contented in my position. Nothing would give her now such satisfaction, as to be convinced that she had been wrong throughout, and that I had done well in giving up my former occupations. A month passed quickly by. The engagements of the firm were met—and its affairs were carried on as usual. No change took place. The only difference was my presence, and the appearance of my name in all the transactions of the house. I saw my mother frequently—but my uncle, by degrees, withdrew. His own affairs required his constant attention, but he provided me with help and countenance in the person of Mr Gilbert. This gentleman, in addition to the character of a bosom friend, sustained another—that of legal adviser to my uncle! He visited me daily, and helped me marvellously. He procured from my uncle my patrimony of four thousand pounds—drew up in return for it a release, which I executed—paid the money into my banker's hands—received my mother's dividend—inspected the accounts—advised summary proceedings against defaulters—and settled, at a certain rate, to purchase a few outstanding debts, which it would cost some trouble and manoeuvring to get in. I could not choose but act upon advice that was at once so very friendly and professional. My inexperience, for a time, gratefully reposed in Mr Gilbert. Exactly two months after I had entered the concern, I married. Sun never rose more promisingly upon a wedding-day—a lovelier bride had never graced it. I pass over the few intoxicating weeks during which life assumes a form and hue which it never wore before—never puts forth again. The novelty of my situation—the joy I had in her possession, and in the knowledge that she was wholly mine—lived now and breathed for me—the pride with which I gazed upon her blooming beauty, and communed with her, as with a new-found better self—all combined to render one brief season a sweet delirium—an ecstatic dream. It is time to wake from it. I return to the business. I had agreed to pay my mother's dividend every quarter—and, as I told you, Mr Gilbert received the money for her. She did not live to enjoy it. A short illness removed her from a world which had never been one of sorrow to her. Her heart was adamant, and troubled waters passed over—did not enter and disturb it. All that she had became my uncle's, and he was now my creditor. I beg you, sir, to mark this. Twice had he inherited the property which should have been my own. It was about a twelvemonth after the death of my mother, that small, dark shadows appeared in the horizon, foretelling storm and tempest. At first they gave me no uneasiness, but they increased and gathered, and soon compelled me to take measures for the outbreak. I continued to discharge my uncle's claim with undeviating regularity. Mr Gilbert sharply saw to that; but a difficulty arose at length of meeting punctually all the demands which came upon me in the way of business. This was overcome in the beginning, by enforcing payment from customers who had traded previously on a liberal credit. The evil thus temporarily repaired gave rise, however, to a greater evil. Our friends withdrew their favours, and offered them else where. This critical state of things did not improve, but caused me daily fresh alarm. Money became more scarce—the difficulty of meeting payments more imminent and harassing. It was very strange. It had not been so in my father's time; nor later, when my mother had the management of affairs. Was it my fault? What had I done amiss. Frightful thoughts began to haunt my bosom, and my sleep was broken, as a criminal's might be. One day I had a heavy sum to pay. It was on the fourth of the month—a serious day to many—and, although I had made every exertion to meet this payment, I found myself, on the very morning, at least two hundred pounds deficient. I have told you, that the credit of our house was without a spot. Its reputation stood high amongst the highest. Slander

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