Hard Cash

Meantime came a Government officer, and paid in an enormous sum in notes and mercantile bills, principally the latter.

Presently Dodd was invited into the manager's room.

“Leaving the country, Captain Dodd?”

“Yes, sir.”

“You had better take some of your money in bills at sight on London.”

“I would rather have notes, sir,” faltered Dodd.

“Oh, bills by Oliveira upon Baring are just as good, even without our endorsement. However, you can have half and half. Calcutta does but little in English bank-notes, you know.”

They gave him his money. The bills were all manifestly good. But he recognised one of them as having just been paid in by the civilian. He found himself somehow safe in the street clutching the cash, with one half of his great paternal heart on fire, and the other half freezing. He had rescued his children's fortune, but he had seen destruction graze it. The natural chill at being scraped by peril soon passed, the triumphant glow remained. The next sentiment was precaution: he filled with it to the brim; he went and bought a great broad pocket-book with a key to it; though he was on dry land. He covered it with oiled silk against the water; and sewed the whole thing to his flannel waistcoat, and felt for it with his hand a hundred times a day: the fruit of his own toil, his children's hoard, the rescued treasure he was to have the joy of bringing home safe to the dear partner of all his joys.

Unexpectedly he was ordered out to Canton to sail the Agra to the Cape. Then a novel and strange feeling came over him like a cloud; that feeling was, a sense of personal danger: not that the many perils of the deep were new to him: he had faced them this five-and-twenty years: but till now they were little present to his imagination: they used to come, be encountered, be gone: but now, though absent, they darkened the way. It was the pocket-book. The material treasure, the hard cash, which had lately set him in a glow, seemed now to load his chest and hang heavy round the neck of his heart. Sailors are more or less superstitious, and men are creatures of habit, even in their courage. Now David had never gone to sea with a lot of money on him before. As he was a stout-hearted man, these vague forebodings would, perhaps, have cleared away with the bustle, when the Agra set her studding sails off Macao, but for a piece of positive intelligence he had picked up at Lin-Tin. The Chinese admiral had warned him of a pirate, a daring pirate, who had been lately cruising in these waters: first heard of south the line, but had since taken a Russian ship at the very mouth of the Canton river, murdered the crew in sight of land, and sold the women for slaves, or worse. Dodd asked for particulars: was he a Ladroner, a Malay, a Bornese? In what latitude was he to be looked for? The admiral on this examined his memoranda: by these it appeared little was known as yet about the miscreant, except that he never cruised long on one ground; the crew was a mixed one: the captain was believed to be a Portuguese, and to have a consort commanded by his brother: but this was doubtful; at all events, the pair had never been seen at work together.

The gunner arrived and saluted the quarter-deck; the captain on this saluted him, and beckoned him to the weather side. On this the other officers kept religiously to leeward.

“Mr. Monk,” said Dodd, “you will clean and prepare all the small arms directly.”

“Ay, ay, sir,” said the old Niler, with a gleam of satisfaction.

“How many of your deck-guns are serviceable?”

This simple question stirred up in one moment all the bile in the poor old gentleman's nature.

“My deck-guns serviceable! how the —— can they when that son of a sea-cook your third mate has been and lashed the water butts to their breechings, and jammed his gear in between their nozzles, till they can't breathe, poor things, far less bark. I wish he was lashed between the devil's hind-hocks with a red hot cable as tight as he has jammed my guns.

“Be so good as not to swear, Mr. Monk,” said Dodd. “At your age sir, I look to you to set an example to the petty officers.”

“Well, I won't swear no more, sir, d—d if I do!” He added very loudly, and with a seeming access of ire, “And I ax your pardon, captain, and the deck's.”

When a man has a deep anxiety, some human midge or mosquito buzzes at him. It is a rule. To Dodd, heavy with responsibility, and a dark misgiving he must not communicate, came delicately, and by degrees, and with a semigenuflexion every three steps, one like a magpie; and, putting his hands together, as our children do to approach the Almighty, delivered himself thus, in modulated tones, and good Hindostanee. “The Daughter of light, in whose beams I, Ramgolam, bask, glows with an amicable desire to see the lord commander of the ship resembling a mountain; and to make a communication.”

Taught by sad experience how weighty are the communications the daughters of light pour into nautical commanders at sea, Dodd hailed Mr. Tickell, a midshipman, and sent him down to the lady's cabin. Mr. Tickell soon came back reddish, but grinning, to say that nothing less than the captain would do.

Dodd sighed, and dismissed Monk with a promise to inspect the gun-deck himself; then went down to Mrs. Beresford and found her indignant. Why had he stopped the ship miles and miles from Macao, and given her the trouble and annoyance of a voyage in that nasty little boat? Dodd opened his great brown eyes, “Why, madam, it is shoal water off Macao; we dare not come in.”

“No evasion, sir. What have I to do with your shoal water? It was laziness, and want of consideration for a lady who has rented half your ship.”

“Nothing of the kind, madam, I assure you.”

“Are you the person they call Gentleman Dodd?”

“Yes.”

“Then don't contradict a lady, or I shall take the liberty to dispute your title.”

Dodd took no notice of this, and with a patience few nautical commanders would have shown, endeavoured to make her see that he was obliged to give Macao shoals a wide berth, or cast away the ship. She would not see it. When Dodd saw she wanted, not an explanation, but a grievance, he ceased to thwart her. “I am neglecting my duties to no purpose,” said he, and left her without ceremony. This was a fresh offence; and, as he went out, she declared open war. And she made it too from that hour: a war of pins and needles.

Dodd went on the gun-deck and found that the defence of the ship had, as usual in these peaceful days, been sacrificed to the cargo. Out of twenty eighteen-pounders she carried on that deck, he cleared three, and that with difficulty. To clear any more he must have sacrificed either merchandise or water: and he was not the man to do either on the mere chance of a danger so unusual as an encounter with a pirate. He was a merchant captain, not a warrior.

Meantime the Agra had already shown him great sailing qualities: the log was hove at sundown and gave eleven knots; so that with a good breeze abaft, few fore-and-aft rigged pirates could overhaul her. And this wind carried her swiftly past one nest of them, at all events: the Ladrone isles. At nine P.M., all the lights were ordered out. Mrs. Beresford had brought a novel on board, and refused to comply; the master-at-arms insisted; she threatened him with the vengeance of the Company, the premier, and the nobility and gentry of the British realm. The master-at-arms, finding he had no chance in argument, doused the glim—pitiable resource of a weak disputant—then basely fled the rhetorical consequences.

The northerly breeze died out, and light variable winds baffled the ship. It was the 6th April ere she passed the Macclesfield Bank in latitude 16. And now they sailed for many days out of sight of land. Dodd's chest expanded: his main anxiety at this part of the voyage lay in the state cabin; of all the perils of the sea, none shakes a sailor like fire. He set a watch day and night on that spoiled child.

On the 1st May they passed the great Nantuna, and got among the Bornese and Malay islands: at which the captain's glass began to sweep the horizon again, and night and day at the dizzy foretop gallant mast-head he perched an Eye.

They crossed the line in longitude 107, with a slight breeze, but soon fell into the Doldrums. A dead calm, and nothing to do but kill time. Dodd had put down Neptune: that old blackguard could no longer row out on the ship's port side and board her on the starboard, pretending to come from ocean's depths; and shave the novices with a rusty hoop and dab a soapy brush in their mouths. But champagne popped, the sexes flirted, and the sailors span fathomless yarns, and danced rattling hornpipes, fiddled to by the grave Fullalove. “If there is a thing I can dew, it's fiddle,” said he. He and his friend, as he systematically called Vespasian, taught the crew Yankee steps, and were beloved. One honest saltatory British tar offered that Western pair his grog for a week. Even Mrs. Beresford emerged, and walked the deck, quenching her austere regards with a familiar smile on Colonel Kenealy, her escort. This gallant good-natured soldier flattered her to the nine, and, finding her sweeten with his treacle, tried to reconcile her to his old friend Dodd. Straight she soured, and forbade the topic imperiously.

By this time the mates and midshipmen of the Agra had fathomed their captain. Mr. Tickell delivered the mind of the united midshipmen when he proposed Dodd's health in their mess-room, “as a navigator, a mathematician, a seaman, a gentleman, and a brick, with three times three.”

Dodd never spoke to his officers like a ruffian, nor yet palavered them, but he had a very pleasant way of conveying appreciation of an officer's zeal, by a knowing nod with a kindly smile on the heels of it. As for the men, they seldom came in contact with the captain of a well-officered ship: this crew only knew him at first as a good-tempered soul, who didn't bother about nothing. But one day, as they lay becalmed south of the line, a jolly foretopman came on the quarter-deck with a fid of soup, and saluting and scraping, first to the deck, then to the captain, asked him if he would taste that.

“Yes, my man. Smoked!”

“Like —— and blazes, your honour, axing your pardon, and the deck's.”

“Young gentleman,” said Dodd to Mr. Meredith, a midshipman, “be so good as to send the cook aft.”

The cook came, and received, not an oath nor a threat but a remonstrance, and a grim warning.

In the teeth of this he burnt the soup horribly the very next day. The crew sent the lucky foretopman aft again. He made his scrape and presented his fid. The captain tasted the soup, and sent Mr. Grey to bid the boatswain's mate pipe the hands on deck and bring the cook aft.

“Quartermaster, unsling a fire-bucket and fill it from the men's kids: Mr. Tickell, see the cook swallow his own mess. Bosen's mate, take a bight of the flying jib sheet stand over him, and start him if he dailies with it.” With this the captain went below, and the cook, supping at the bucket delivered himself as follows: “Well, ye lubbers, it is first—rate. There's no burn in it. It goes down like oil. Curse your ladylike stomachs; you ain't fit for a ship; why don't ye go ashore and man a gingerbread coach and feed off French frogs and Italian baccy-pipe stems? (Whack.) What the —— is that for?”

Boatswain's mate. “Sup more, and jaw less.”

“Well, I am supping as fast as I can. (Whack, whack.) Bloody end to ye, what are ye about? (Whack, whack, whack.) Oh, Joe, Lord bless you, I can't eat any more of it. (Whack.) I'll give you my grog for a week only to let me fling the —— stuff over the side. (Whack, whack, whack.) Oh, good, kind, dear Mr. Tickell, do go down to the captain for me.” (Whack, whack.)

“Avast!” cried the captain, reappearing; and the uplifted rope fell harmless.

“Silence, fore and aft!”

(Pipe.)

“The cook has received a light punishment this time, for spoiling the men's mess. My crew shall eat nothing I can't eat myself. My care is heavier than theirs is; but not my work, nor my danger in time of danger. Mind that, or you'll find I can be as severe as any master afloat. Purser.”

“Sir.”

“Double the men's grog: they have been cheated of their meal.”

“Ay, ay, sir.”

“And stop the cook's and his mate's for a week.”

“Ay, ay, sir.”

“Bosen, pipe down.”

“Shipmates, listen to me,” said the foretopman. “This old Agra is a d——d com—for—table ship.”

The oracular sentence was hailed with a ringing cheer. Still, it is unlucky the British seaman is so enamoured of theological terms; for he constantly misapplies them.

After lying a week like a dead log on the calm but heaving waters, came a few light puffs in the upper air and inflated the topsails only: the ship crawled southward, the crew whistling for wind.

At last, one afternoon, it began to rain, and after the rain came a gale from the eastward. The watchful skipper saw it purple the water to windward, and ordered the topsails to be reefed and the lee ports closed. This last order seemed an excess of precaution; but Dodd was not yet thoroughly acquainted with his ship's qualities: and the hard cash round his neck made him cautious. The lee ports were closed, all but one, and that was lowered. Mr. Grey was working a problem in his cabin, and wanted a little light and a little air, so he just drooped his port; but, not to deviate from the spirit of his captain's instructions, he fastened a tackle to it; that he might have mechanical force to close it with should the ship lie over.

Down came the gale with a whoo, and made all crack. The ship lay over pretty much, and the sea poured in at Mr. Grey's port. He applied his purchase to close it. But though his tackle gave him the force of a dozen hands, he might as well have tried to move a mountain; on the contrary, the tremendous sea rushed in and burst the port wide open. Grey, after a vain struggle with its might, shrieked for help; down tumbled the nearest hands, and hauled on the tackle in vain. Destruction was rushing on the ship, and on them first. But meantime the captain, with a shrewd guess at the general nature of the danger he could not see, had roared out, “Slack the main sheet.” The ship righted, and the port came flying to, and terror-stricken men breathed hard, up to their waists in water and floating boxes. Grey barred the unlucky port and went aft, drenched in body, and wretched in mind, to report his own fault. He found the captain looking grim as death. He told him, almost crying, what he had done, and how he had miscalculated the power of the water.

Dodd looked and saw his distress. “Let it be a lesson, sir,” said he, sternly. “How many ships have been lost by this in fair weather, and not a man saved to tell how the craft was fooled away?”

“Captain, bid me fling myself over the side, and I'll do it.”

“Hummph! I'm afraid I can't afford to lose a good officer for a fault he—will—never—repeat”

It blew hard all night and till twelve the next day. The Agra showed her weak point: she rolled abominably. A dirty night came on. At eight bells Mr. Grey, touched by Dodd's clemency and brimful of zeal, reported a light in Mrs. Beresford's cabin. It had been put out as usual by the master-at-arms; but the refractory one had relighted it.

“Go and take it away,” said Dodd.

Soon screams were heard from the cabin. “Oh, mercy! mercy! I will not be drowned in the dark.”

Dodd, who had kept clear of her so long, went down and tried to reassure her.

“Oh, the tempest! the tempest!” she cried. “AND TO BE DROWNED IN THE DARK!”

“Tempest? It is blowing half a gale of wind; that is all.”

“Half a gale! Ah! that is the way you always talk to us ladies. Oh, pray give me my light, and send me a clergyman.”

Dodd took pity, and let her have her light, with a midshipman to watch it. He even made her a hypocritical promise that should there be one grain of danger, he would lie to; but said he must not make a foul wind of a fair one for a few lee lurches. The Agra broke plenty of glass and crockery though, with her fair wind and her lee lurches.

Wind down at noon next day, and a dead calm.

At two P. M. the weather cleared; the sun came out high in heaven's centre; and a balmy breeze from the west.

At six twenty-five, the grand orb set calm and red, and the sea was gorgeous with miles and miles of great ruby dimples: it was the first glowing smile of southern latitude. The night stole on so soft, so clear, so balmy, all were loth to chose their eyes on it: the passengers lingered long on deck, watching the Great Bear dip, and the Southern Cross rise, and overhead a whole heaven of glorious stars most of us have never seen, and never shall see in this world. No belching smoke obscured, no plunging paddles deafened; all was musical; the soft air sighing among the sails; the phosphorescent water bubbling from the ship's bows; the murmurs from little knots of men on deck subdued by the great calm: home seemed near, all danger far; Peace ruled the sea, the sky, the heart: the ship, making a track of white fire on the deep, glided gently yet swiftly homeward, urged by snowy sails piled up like alabaster towers against a violet sky, out of which looked a thousand eyes of holy tranquil fire. So melted the sweet night away.

Now carmine streaks tinged the eastern sky at the water's edge; and that water blushed; now the streaks turned orange, and the waves below them sparkled. Thence splashes of living gold flew and settled on the ship's white sails, the deck, and the faces; and with no more prologue, being so near the line, up came majestically a huge, fiery, golden sun, and set the sea flaming liquid topaz.

Instantly the look-out at the foretop-gallant-mast-head hailed the deck below.

The strange sail was reported to Captain Dodd, then dressing in his cabin. He came soon after on deck and hailed the lookout: “Which way is she standing?”

“Can't say, sir. Can't see her move any.”

Dodd ordered the boatswain to pipe to breakfast; and taking his deck glass went lightly up to the fore-top-gallant-mast crosstrees. Thence, through the light haze of a glorious morning, he espied a long low schooner, lateen-rigged, lying close under Point Leat, a small island about nine miles distant on the weather bow, and nearly in the Agra's course, then approaching the Straits of Gaspar, 4 latitude S.

“She is hove-to,” said Dodd very gravely.

At eight o'clock, the stranger lay about two miles to windward, and still hove-to.

By this time all eyes were turned upon her, and half a dozen glasses. Everybody, except the captain, delivered an opinion.

She was a Greek lying-to for water: she was a Malay coming north with canes, and short of hands: she was a pirate watching the Straits.

The captain leaned silent and sombre with his arms on the bulwarks, and watched the suspected craft.

Mr. Fullalove joined the group, and levelled a powerful glass, of his own construction. His inspection was long and minute, and, while the glass was at his eye, Sharpe asked him half in a whisper, could he make out anything?

“Wal,” said he, “the varmint looks considerable snaky.” Then, without removing his glass, he let drop a word at a time, as if the facts were trickling into his telescope at the lens, and out at the sight “One—two—four—seven, false ports.”

There was a momentary murmur among the officers all round. But British sailors are undemonstrative: Colonel Kenealy, strolling the deck with his cigar, saw they were watching another ship with maritime curiosity, and making comments but he discerned no particular emotion nor anxiety in what they said, nor in the grave low tones they said it in. Perhaps a brother seaman would though.

The next observation that trickled out of Fullalove's tube was this: “I judge there are too few hands on deck, and too many—white—eyeballs—glittering at the portholes.”

“Confound it,” muttered Bayliss, uneasily; “how can you see that?”

Fullalove replied only by quietly handing his glass to Dodd. The captain thus appealed to, glued his eye to the tube.

“Well, sir; see the false ports, and the white eyebrows?” asked Sharpe ironically.

“I see this is the best glass I ever looked through,” said Dodd doggedly, without interrupting his inspection.

“I think he is a Malay pirate,” said Mr. Grey.

Sharpe took him up very quickly, and indeed angrily: “Nonsense. And if he is, he won't venture on a craft of this size.”

“Says the whale to the swordfish,” suggested Fullalove, with a little guttural laugh.

The captain, with the American glass at his eye, turned half round to the man at the wheel: “Starboard!”

“Starboard it is.”

“Steer south-south-east”

“Ay, ay, sir.” And the ship's course was thus altered two points.

This order lowered Dodd fifty per cent. in Mr. Sharpe's estimation. He held his tongue as long as he could: but at last his surprise and dissatisfaction burst out of him, “Won't that bring him out on us!”

“Very likely, sir,” replied Dodd.

“Begging your pardon, captain, would it not be wiser to keep our course, and show the blackguard we don't fear him?”

“When we do! Sharpe, he has made up his mind an hour ago whether to lie still or bite; my changing my course two points won't change his mind, but it may make him declare it; and I must know what he does intend before I run the ship into the narrows ahead.”

“Oh, I see,” said Sharpe, half convinced.

The alteration in the Agra's course produced no movement on the part of the mysterious schooner. She lay-to under the land still, and with only a few hands on deck, while the Agra edged away from her and entered the Straits between Long Island and Point Leat, leaving the schooner about two miles and a half distant to the N.W.

Ah! The stranger's deck swarms black with men.

His sham ports fell as if by magic, his gums grinned through the gaps like black teeth; his huge foresail rose and filled, and out he came in chase.

The breeze was a kiss from Heaven, the sky a vaulted sapphire, the sea a million dimples of liquid, lucid gold.

CHAPTER VIII

AMONGST the curiosities of human reasoning is this: one forms a judgment on certain statements; they turn out incorrect, yet the judgment sound.

This occurs oftenest when, to divine what any known person will do in a case stated, we go boldly by his character, his habits, or his interest: for these are great forces, towards which men gravitate through various and even contrary circumstances.

Now women, sitting at home out of detail's way, are somewhat forced, as well as naturally inclined, to rely on their insight into character; and, by this broad clue, often pass through false or discoloured data to a sound calculation.

Thus it was Mrs. Dodd applied her native sagacity to divine why Richard Hardie declined Julia for his son's wife, and how to make him withdraw that dissent: and the fair diviner was much mistaken in detail but right in her conclusion; for Richard Hardie was at that moment the unlikeliest man in Barkington to decline Julia Dodd—with Hard Cash in five figures—for his daughter-in-law.

I am now about to make a revelation to the reader, that will incidentally lead him to Mrs. Dodd's conclusion, but by a different path.

The outline she gave her daughter and my reader of Richard Hardie's cold and prudent youth was substantially correct; but something had occurred since then, unknown to her, unknown to all Barkington. The centuries had blown a respectable bubble.

About two hundred and fifty years ago, some genius, as unknown as the inventor of the lathe, laid the first wooden tramroad, to enable a horse to draw forty-two cwt. instead of seventeen. The coalowners soon used it largely. In 1738, iron rails were invented; but prejudice, stronger than that metal, kept them down, and the wooden ones in vogue, for some thirty years. Then iron prevailed.

Meantime, a much greater invention had been creeping up to join the metal way; I mean the locomotive power of steam, whose history is not needed here. Enough that in 1804 took place as promising a wedding as civilisation ever saw; for then an engine built by Trevethick, a great genius frittered for want of pluck, drew carriages, laden with ten tons, five miles an hour on a Welsh railway. Next stout Stephenson came on the scene, and insisted on benefiting mankind in spite of themselves, and of shallow legislators, a priori reasoners, and a heavy Review whose political motto was, “Stemus super antiquas vias;” which may be rendered, “Better stand still on turnpikes than move on rails.”

His torments and triumph are history.

Two of his repartees seem neat: 1. To Lord Noodle, or Lord Doodle, which was it? objecting haughtily, “And suppose a cow should get in the way of your engine, sir?” he replied, “Why, then it would be bad—for the coow.” The objector had overrated the obstructive power of his honoured parent.

2. To the a priori reasoners, who sat in their studies and demonstrated with complete unanimity that uncogged wheels would revolve on a smooth rail, but leave the carriage in statu quo, he replied by building an engine with Lord Ravensworth's noble aid, hooking on eight carriages, and rattling off up an incline. “Solvitur ambulando,” quoth Stephenson the stout-hearted to Messrs. A Priori.

Next a coach ran on the Stockton and Darlington rail. Next the Liverpool and Manchester line was projected. Oh, then, what bitter opposition to the national benefactors, and the good of man!

Awake from the tomb echoes of dead Cant.

“The revolving wheels might move the engine on a rail; but what would that avail if they could not move them in the closet, and on a mathematical paper? Railways would be bad for canals, bad for morals, bad for highwaymen, bad for roadside inns: the smoke would kill the partridges ('Aha! thou hast touched us nearly,' said the country gentlemen), the travellers would go slowly to their destination, but swift to destruction.” And the Heavy Review, whose motto was “Stemus super turnpikes,” offered “to back old Father Thames against the Woolwich railway for any sum.” And Black Will, who drove the next heaviest ephemeral in the island, told a schoolboy, who now writes these pages, “there's nothing can ever be safe at twenty miles an hour, without 'tis a bird in the air;” and confirmed it with an oath. Briefly, buzz! buzz! buzz!

Gray was crushed, Trevethick driven out of the country, stout Steevie thwarted, badgered, taunted, and even insulted, and bespattered with dirt—I might say with dung, since his opponents discharged their own brains at him by speech and writing. At last, when, after the manner of men, they had manured their benefactor well, they consented to reap him. Railways prevailed, and increased, till lo and behold a Prime Minister with a spade delving one in the valley of the Trent. The tide turned; good working railways from city to city became an approved investment of genuine capital, notwithstanding the frightful frauds and extortion to which the projectors were exposed in a Parliament which, under a new temptation, showed itself as corrupt and greedy as any nation or age can parallel.

When this sober state of things had endured some time, there came a year that money was loose, and a speculative fever due in the whirligig of time. Then railways bubbled. New ones were advertised, fifty a month, and all went to a premium. High and low scrambled for the shares, even when the projected line was to run from the town of Nought to the village of Nothing across a goose common. The flame spread, fanned by prospectus and advertisement, two mines of glowing fiction, compared with which the legitimate article is a mere tissue of understatements; princes sat in railway tenders, and clove the air like the birds whose effigies surmount their armorials; our stiffest Peers relaxed into Boards; Bishops warned their clergy against avarice, and buttered Hudson an inch thick for shares; and turned their little aprons into great pockets; men, stainless hitherto, put down their infants, nurses included, as independent subscribers, and bagged the coupons, capturi tartaros. Nearly everything that had a name, and, by some immense fortuity, could write it, demanded its part in the new and fathomless source of wealth: a charwoman's two sons were living in a garret on fifteen shillings apiece per week; down went their excellencies' names for L. 37,000 worth of bubbling iron; another shareholder applied imperiously from a house in Grosvenor Square; he had breakfasted on the steps. Once more in Time's whirligig gentlemen and their footmen jostled one another on the Exchange, and a motley crew of peers and printers, vicars and admirals, professors, cooks, costermongers, cotton-spinners, waiters, coachmen, priests, potboys, hankers, braziers, dairymen, mail-guards, barristers, spinsters, butchers, beggars, duchesses, rag-merchants—in one word, of Nobs and Snobs; fought and scrambled pell mell for the popular paper, and all to get rich in a day.*

Richard Hardie had some money in existing railways, but he declined to invest his hard cash upon hypotheticals. He was repeatedly solicited to be a director, but always declined. Once he was offered a canny bribe of a thousand pounds to let his name go on a provisional committee. He refused with a characteristic remark: “I never buy any merchandise at a fancy price, not even hard cash.”

Antidote to the universal mania, Barkington had this one wet blanket; an unpopular institution; but far more salutary than a damp sheet especially in time of Bubble.

Nearly all his customers consulted Richard Hardie, and this was the substance of his replies: “The Bubbles of History, including the great one of my youth, were national, as well as individual, follies. It is not so now: the railways, that ruin their allottees and directors, will be pure additions to the national property, and some day remove one barrier more from commerce. The Dutch tulip frenzy went on a petty fancy: the Railway fury goes on a great fact. Our predecessors blew mere soap bubbles; we blow an iron bubble: but here the distinction ends. In 1825 the country undertook immediate engagements, to fulfil which a century's income would not have sufficed: today a thousand railway companies are registered, requiring a capital of six hundred million and another thousand projected, to cost another five hundred million. Where is the money to come from? If the world was both cultivated and civilised (instead of neither), and this nation could be sold, with every building, ship, quadruped, jewel, and marketable female in it, it would not fetch the money to make these railways; yet the country undertakes to create them in three years with its floating capital. Arithmetic of Bedlam! The thing cannot last a year without collapsing.” Richard Hardie talked like this from first to last. But, when he saw that shares invariably mounted; that even those who, for want of interest, had to buy them at a premium, sold them at a profit; when he saw paupers making large fortunes in a few months, by buying into every venture and selling the next week—he itched for his share of the booty, and determined to profit in act by the credulity of mankind, as well as expose it in words. He made use of his large connections to purchase shares, which he took care to part with speedily. He cleared a good deal of money, and that made him hungrier: he went deeper and deeper into what he called Flat-catching, till one day he stood to win thirty thousand pounds at a coup.

But it is dangerous to be a convert, real or false, to Bubble: the game is to be rash at once, and turn prudent at the full tide. When Richard Hardie was up to his chin in these time bargains, came an incident not easy to foresee: the conductors of the Times, either from patriotism or long-sighted policy, punctured the bladder, though they were making thousands weekly by the railway advertisements. The time was so well chosen, and the pin applied, that it was a death-blow: shares declined from that morning, and the inevitable panic was advanced a week or two. The more credulous speculators held on in hopes of a revival; but Hardie, who knew that the collapse had been merely hastened, saw the gravity of the situation, and sold largely at a heavy loss. But he could not sell all the bad paper he had accumulated for a temporary purpose: the panic came too swiftly and too strong; soon there were no buyers at any price. The biter was bit: the fox who had said, “This is a trap; I'll lightly come and lightly go,” was caught by the light fantastic toe.

In this emergency he showed high qualities: vast financial ability, great fortitude, and that sense of commercial honour which Mrs. Dodd justly called his semi-chivalrous sentiment. He mustered all his private resources to meet his engagements and maintain his high position. Then commenced a long and steady struggle, conducted with a Spartan dignity and self-command, and a countenance as close as wax. Little did any in Barkington guess the doubts and fears, the hopes and despondencies, which agitated and tore the heart and brain that schemed, and throbbed, and glowed, and sickened by turns beneath that steady modulated exterior. And so for months and months he secretly battled with insolvency; sometimes it threatened in the distance, sometimes at hand, but never caught him unawares: he provided for each coming danger, he encountered each immediate attack. But not unscathed in morals. Just as matters looked brighter, came a concentration of liabilities he could not meet without emptying his tills, and so incurring the most frightful danger of all. He had provided for its coming too; but a decline, greater than he had reckoned on, in the value of his good securities, made that provision inadequate. Then it was he committed a faux-pas. He was one of his own children's trustees, and the other two signed after him like machines. He said to himself: “My honour is my children's; my position is worth thousands to them. I have sacrificed a fortune to preserve it; it would be madness to recoil now.” He borrowed three thousand pounds of the trust money, and, soon after, two thousand more: it kept him above water; but the peril, and the escape on such terms, left him gasping inwardly.

At last, when even his granite nature was almost worn down with labour, anxiety, and struggling all alone without a word of comfort—for the price of one grain of sympathy would have been “Destruction”—he shuffled off his iron burden and breathed again.

One day he spent in a sort of pleasing lethargy, like a strong swimmer who, long and sore buffeted by the waves, has reached the shore at last.

The next day his cashier, a sharp-visaged, bald-headed old man called Young Skinner, invited his attention rather significantly to the high amount of certain balances compared with the cash at his (Skinner's) disposal.

“Indeed!” said Hardie quietly; “that must be regulated.” He added graciously, as if conferring a great favour, “I'll look into the books myself, Skinner.”

He did more: he sat up all night over the books; and his heart died with him. Bankruptcy seemed coming towards him, slow perhaps, but sure. And meantime to live with the sword hanging over him by a hair!

Soon matters approached a crisis; several large drafts were drawn, which would have cleaned the bank out, but that the yearly rents of a wealthy nobleman had for some days past been flowing in. This nobleman had gone to explore Syria and Assyria. He was a great traveller, who contrived to live up to his income at home, but had never been able to spend a quarter of it abroad, for want of enemies and masters—better known as friends and servants—to help him. So Hardie was safe for some months, unless there should be an extraordinary run on him, and that was not likely this year; the panic had subsided, and, nota bene, his credit had never stood higher. The reason was, he had been double-faced; had always spoken against railways: and his wise words were public, whereas his fatal acts had been done in the dark.

But now came a change, a bitter revulsion, over this tossed mind: hope and patience failed at last, and his virtue, being a thing of habit and traditions rather than of the soul, wore out; nay more, this man, who had sacrificed so nobly to commercial integrity, was filled with hate of his idol and contempt of himself. “Idiot!” said he, “to throw away a fortune fighting for honour—a greater bubble than that which has ruined me—instead of breaking like a man, with a hidden purse, and starting fair again, as sensible traders do.”

No honest man in the country that year repented of his vices so sincerely as Richard Hardie loathed his virtue. And he did not confine his penitence to sentiment: he began to spend his days at the bank poring over the books, and to lay out his arithmetical genius in a subtle process, that should enable him by degrees to withdraw a few thousands from human eyes for his future use, despite the feeble safeguards of the existing law. In other words, Richard Hardie, like thousands before him, was fabricating and maturing a false balance-sheet.

One man in his time plays many animals. Hardie at this period turned mole. He burrowed darkling into oes alienum. There is often one of these sleek miners in a bank: it is a section of human zoology the journals have lately enlarged on, and drawn the painstaking creature grubbing and mining away to brief opulence—and briefer penal servitude than one could wish. I rely on my reader having read these really able sketches of my contemporaries, and spare him minute details, that possess scarcely a new feature, except one: in that bank was not only a mole, but a mole-catcher; and, contrary to custom, the mole was the master, the mole-catcher the servant. The latter had no hostile views; far from it: he was rather attached to his master. But his attention was roused by the youngest clerk, a boy of sixteen, being so often sent for into the bank parlour, to copy into the books some arithmetical result, without its process. Attention soon became suspicion; and suspicion found many little things to feed on, till it grew to certainty. But the outer world was none the wiser: the mole-catcher was no chatterbox; he was a solitary man—no wife nor mistress about him; and he revered the mole, and liked him better than anything in the world—except money.

Thus the great banker stood, a colossus of wealth and stability to the eye, though ready to crumble at a touch; and indeed self-doomed, for bankruptcy was now his game.

This was a miserable man, far more miserable than his son, whose happiness he had thwarted: his face was furrowed and his hair thinned by a secret struggle; and of all the things that gnawed him, like the fox, beneath his Spartan robe, none was more bitter than to have borrowed five thousand pounds of his children and sunk it.

His wife's father, a keen man of business, who saw there was little affection on his side, had settled his daughter's money on her for life, and in case of her death, on the children upon coming of age. The marriage of Alfred or Jane would be sure to expose him; settlements would be proposed; lawyers engaged to peer into the trust, &c. No; they must remain single for the present, or else marry wealth.

So, when his son announced an attachment to a young lady living in a suburban villa, it was a terrible blow, though he took it with outward calm, as usual. But if, instead of prating about beauty, virtue, and breeding, Alfred had told him hard cash in five figures could be settled by the bride's family on the young couple, he would have welcomed the wedding with great external indifference, but a secret gush of joy; for then he could throw himself on Alfred's generosity, and be released from that one corroding debt; perhaps allowed to go on drawing the interest of the remainder.

Thus, in reality, all the interests with which this story deals converged towards one point: the fourteen thousand pounds. Richard Hardie's opposition was a mere misunderstanding; and if he had been told of the Cash, and to what purpose Mrs. Dodd destined it, and then put on board the Agra in the Straits of Gaspar, he would have calmly taken off his coat, and help to defend the bearer of It against all assailants as stoutly, and, to all appearance, imperturbably, as he had fought that other bitter battle at home. For there was something heroic in this erring man, though his rectitude depended on circumstances.