Hodge and His Masters

'He's speaking now,
Or murmuring, "Where's my serpent of old Nile?"
For so he calls me. Now I feed myself
With most delicious poison!'

The girl laughed, sat down, took her hand, and asked if matters were really so serious.

'It is not so much the money I trouble about,' said the wife. 'It is Cecil himself. His nature is too fine for these dull clods. You know him, dear; his mind is full of art—look at these glasses—of music and pictures. Why, he has just been reading "Antony and Cleopatra," and now he's gone to look after reapers. Then, he is so fiery and quick, and wants everything done in a minute, like the men of business in the "City." He keeps his watch timed to a second, and expects the men to be there. They are so slow. Everything agricultural is so slow. They say we shall have fine seasons in two or three years; only think, years. This is what weighs on Cecil.'

By this time the two men had walked through the plantation, and paused at a small gate that opened on the fields. The ground fell rapidly away, sloping down for half a mile, so that every portion of the fields below was visible at once. The house and gardens were situate on the hill; the farmer had only to stand on the edge to overlook half his place.

'What a splendid view!' said the officer. The entire slope was yellow with wheat—on either hand, and in front the surface of the crop extended unbroken by hedge, tree, or apparent division. Two reaping-machines were being driven rapidly round and round, cutting as they went; one was a self-binder and threw the sheaves off already bound; the other only laid the corn low, and it had afterwards to be gathered up and bound by hand-labour. There was really a small army of labourers in the field; but it was so large they made but little show.

'You have a first-rate crop,' said the visitor; 'I see no weeds, or not more than usual; it is a capital crop.'

'Yes,' replied the farmer, 'it is a fine crop; but just think what it cost me to produce it, and bear in mind, too, the price I shall get for it.' He took out his pocket-book, and began to explain.

While thus occupied he looked anything but a farmer. His dress was indeed light and careless, but it was the carelessness of breeding, not slovenliness. His hands were brown, but there were clean white cuffs on his wrist and gold studs; his neck was brown, but his linen spotless. The face was too delicate, too refined with all its bronze; the frame was well developed, but too active; it lacked the heavy thickness and the lumbering gait of the farmer bred to the plough. He might have conducted a great financial operation; he might have been the head of a great mercantile house; he might have been on 'Change; but that stiff clay there, stubborn and unimpressionable, was not in his style.

Cecil had gone into farming, in fact, as a 'commercial speculation,' with the view of realising cent. per cent. He began at the time when it was daily announced that old-fashioned farming was a thing of the past. Business maxims and business practice were to be the rule of the future. Farming was not to be farming; it was to be emphatically 'business,' the same as iron, coal, or cotton. Thus managed, with steam as the motive power, a fortune might be made out of the land, in the same way as out of a colliery or a mine. But it must be done in a commercial manner; there must be no restrictions upon the employment of capital, no fixed rotation of crops, no clauses forbidding the sale of any products. Cecil found, however, that the possessors of large estates would not let him a farm on these conditions. These ignorant people (as he thought them) insisted upon keeping up the traditionary customs; they would not contract themselves out of the ancient form of lease.

But Cecil was a man of capital. He really had a large sum of money, and this short-sighted policy (as he termed it) of the landlords only made him the more eager to convince them how mistaken they were to refuse anything to a man who could put capital into the soil. He resolved to be his own landlord, and ordered his agents to find him a small estate and to purchase it outright. There was not much difficulty in finding an estate, and Cecil bought it. But he was even then annoyed and disgusted with the formalities, the investigation of title, the completion of deeds, and astounded at the length of a lawyer's bill.

Being at last established in possession Cecil set to work, and at the same time set every agricultural tongue wagging within a radius of twenty miles. He grubbed up all the hedges, and threw the whole of his arable land into one vast field, and had it levelled with the theodolite. He drained it six feet deep at an enormous cost. He built an engine-shed with a centrifugal pump, which forced water from the stream that ran through the lower ground over the entire property, and even to the topmost storey of his house. He laid a light tramway across the widest part of his estate, and sent the labourers to and fro their work in trucks. The chaff-cutters, root-pulpers, the winnowing-machine—everything was driven by steam. Teams of horses and waggons seemed to be always going to the canal wharf for coal, which he ordered from the pit wholesale.

A fine set of steam-ploughing tackle was put to work, and, having once commenced, the beat of the engines never seemed to cease. They were for ever at work tearing up the subsoil and bringing it to the surface. If he could have done it, he would have ploughed ten feet deep. Tons of artificial manure came by canal boat—positively boat loads—and were stored in the warehouse. For he put up a regular warehouse for the storage of materials; the heavy articles on the ground floor, the lighter above, hoisted up by a small crane. There was, too, an office, where the 'engineer' attended every morning to take his orders, as the bailiff might at the back-door of an old farmhouse. Substantial buildings were erected for the shorthorn cattle.

The meadows upon the estate, like the corn-fields, were all thrown together, such divisions as were necessary being made by iron railings. Machines of every class and character were provided—reaping-machines, mowing-machines, horse-hoes, horse-rakes, elevators—everything was to be done by machinery. That nothing might be incomplete, some new and well-designed cottages were erected for the skilled artisans—they could scarcely be called labourers—who were engaged to work these engines. The estate had previously consisted of several small farms: these were now thrown all into one, otherwise there would not have been room for this great enterprise.

A complete system of booking was organised. From the sale of a bullock to the skin of a calf, everything was put down on paper. All these entries, made in books specially prepared and conveniently ruled for the purpose, came under Cecil's eye weekly, and were by him re-entered in his ledgers. This writing took up a large part of his time, and the labour was sometimes so severe that he could barely get through it; yet he would not allow himself a clerk, being economical in that one thing only. It was a saying in the place that not a speck of dust could be blown on to the estate by the wind, or a straw blown off, without it being duly entered in the master's books.

Cecil's idea was to excel in all things. Some had been famous for shorthorns before him, others for sheep, and others again for wheat. He would be celebrated for all. His shorthorns should fetch fabulous prices; his sheep should be known all over the world; his wheat should be the crop of the season. In this way he invested his capital in the soil with a thoroughness unsurpassed. As if to prove that he was right, the success of his enterprise seemed from the first assured. His crops of wheat, in which he especially put faith, and which he grew year after year upon the same land, totally ignoring the ancient rotations, were the wonder of the neighbourhood. Men came from far and near to see them. Such was the effect of draining, turning up the subsoil, continual ploughing, and the consequent atmospheric action upon the exposed earth, and of liberal manure, that here stood such crops of wheat as had never previously been seen. These he sold, as they stood, by auction; and no sooner had the purchasers cleared the ground than the engines went to work again, tearing up the earth. His meadow lands were irrigated by the centrifugal pump, and yielded three crops instead of one. His shorthorns began to get known—for he spared no expense upon them—and already one or two profitable sales had been held. His sheep prospered; there was not so much noise made about them, but, perhaps, they really paid better than anything.

Meantime, Cecil kept open house, with wine and refreshments, and even beds for everybody who chose to come and inspect his place. Nothing gave him such delight as to conduct visitors over the estate and to enter into minute details of his system. As for the neighbouring farmers they were only too welcome. These things became noised abroad, and people arrived from strange and far-off places, and were shown over this Pioneer's Farm, as Cecil loved to call it. His example was triumphantly quoted by every one who spoke on agricultural progress. Cecil himself was the life and soul of the farmers' club in the adjacent market town. It was not so much the speeches he made as his manner. His enthusiasm was contagious. If a scheme was started, if an experiment was suggested, Cecil's cheque-book came out directly, and the thing was set on foot without delay. His easy, elastic step, his bright eye, his warm, hearty handshake, seemed to electrify people—to put some of his own spirit into them. The circle of his influence was ever increasing—the very oldest fogeys, who had prophesied every kind of failure, were being gradually won over.

Cecil himself was transcendently happy in his work; his mind was in it; no exertion, no care or trouble, was too much. He worked harder than any navvy, and never felt fatigue. People said of him—'What a wonderful man!' He was so genuine, so earnest, so thorough, men could not choose but believe in him. The sun shone brightly, the crops ripened, the hum of the threshing-machine droned on the wind—all was life and happiness. In the summer evenings pleasant groups met upon the lawn; the song, the jest went round; now and then an informal dance, arranged with much laughter, whiled away the merry hours till the stars appeared above the trees and the dew descended.

Yet to-day, as the two leaned over the little gate in the plantation and looked down upon the reapers, the deep groove which continual thought causes was all too visible on Cecil's forehead. He explained to the officer how his difficulties had come about. His first years upon the farm or estate—it was really rather an estate than a farm—had been fairly prosperous, notwithstanding the immense outlay of capital. A good percentage, in some cases a high-rate of percentage, had been returned upon the money put into the soil. The seasons were good, the crops large and superabundant. Men's minds were full of confidence, they bought freely, and were launching out in all directions.

They wanted good shorthorn cattle—he sold them cattle; they wanted sheep—he sold them sheep. They wanted wheat, and he sold them the standing crops, took the money, and so cleared his profit and saved himself trouble. It was, in fact, a period of inflation. Like stocks and shares, everything was going up; everybody hastening to get rich. Shorthorns with a strain of blue blood fetched fancy prices; corn crops ruled high; every single thing sold well. The dry seasons suited the soil of the estate, and the machinery he had purchased was rapidly repaying its first cost in the saving of labour. His whole system was succeeding, and he saw his way to realise his cent. per cent.

But by degrees the dream faded. He attributed it in the first place to the stagnation, the almost extinction, of the iron trade, the blowing out of furnaces, and the consequent cessation of the demand for the best class of food on the part of thousands of operatives and mechanics, who had hitherto been the farmers' best customers. They would have the best of everything when their wages were high; as their wages declined their purchases declined. In a brief period, far briefer than would be imagined, this shrinking of demand reacted upon agriculture. The English farmer made his profit upon superior articles—the cheaper class came from abroad so copiously that he could not compete against so vast a supply.

When the demand for high-class products fell, the English farmer felt it directly. Cecil considered that it was the dire distress in the manufacturing districts, the stagnation of trade and commerce and the great failures in business centres, that were the chief causes of low prices and falling agricultural markets. The rise of labour was but a trifling item. He had always paid good wages to good men, and always meant to. The succession of wet seasons was more serious, of course; it lowered the actual yield, and increased the cost of procuring the yield; but as his lands were well drained, and had been kept clean he believed he could have withstood the seasons for awhile.

The one heavy cloud that overhung agriculture, in his opinion was the extraordinary and almost world-spread depression of trade, and his argument was very simple. When men prospered they bought freely, indulged in luxurious living, kept horses, servants, gave parties, and consumed indirectly large quantities of food. As they made fortunes they bought estates and lived half the year like country gentlemen—that competition sent up the price of land. The converse was equally true. In times of pressure households were reduced, servants dismissed, horses sold, carriages suppressed. Rich and poor acted alike in different degrees but as the working population was so much more numerous it was through the low wages of the working population in cities and manufacturing districts that the farmers suffered most.

It was a period of depression—there was no confidence, no speculation. For instance a year or two since the crop of standing wheat then growing on the very field before their eyes was sold by auction, and several lots brought from 16l. to 18l. per acre. This year the same wheat would not fetch 8l. per acre; and, not satisfied with that price, he had determined to reap and thresh it himself. It was the same with the shorthorns, with the hay, and indeed with everything except sheep, which had been a mainstay and support to him.

'Yet even now,' concluded Cecil, shutting his pocket-book, 'I feel convinced that my plan and my system will be a success. I can see that I committed one great mistake—I made all my improvements at once, laid out all my capital, and crippled my self. I should have done one thing at a time. I should, as it were, have grown my improvements—one this year, one next. As it was, I denuded myself of capital. Had the times continued favourable it would not have mattered, as my income would have been large. But the times became adverse before I was firmly settled, and, to be plain, I can but just keep things going without a loan—dear Bella will not be able to go to the sea this year; but we are both determined not to borrow.'

'In a year or two I am convinced we shall flourish again; but the waiting, Alick, the waiting, is the trial. You know I am impatient. Of course, the old-fashioned people, the farmers, all expect me to go through the Bankruptcy Court. They always said these new-fangled plans would not answer, and now they are sure they were right. Well, I forgive them their croaking, though most of them have dined at my table and drank my wine. I forgive them their croaking, for so they were bred up from childhood. Were I ill-natured, I might even smile at them, for they are failing and leaving their farms by the dozen, which seems a pretty good proof that their antiquated system is at best no better than mine. But I can see what they cannot see—signs of improvement. The steel industry is giving men work; the iron industry is reviving; the mines are slowly coming into work again; America is purchasing of us largely; and when other nations purchase of us, part, at least, of the money always finds its way to the farmer. Next season, too, the weather may be more propitious.

'I shall hold on, Alick—a depression is certain to be followed by a rise. That has been the history of trade and agriculture for generations. Nothing will ever convince me that it was intended for English agriculturists to go on using wooden ploughs, to wear smock-frocks, and plod round and round in the same old track for ever. In no other way but by science, by steam, by machinery, by artificial manure, and, in one word, by the exercise of intelligence, can we compete with the world. It is ridiculous to suppose we can do so by returning to the ignorance and prejudice of our ancestors. No; we must beat the world by superior intelligence and superior energy. But intelligence, mind, has ever had every obstacle to contend against. Look at M. Lesseps and his wonderful Suez Canal. I tell you that to introduce scientific farming into England, in the face of tradition, custom, and prejudice, is a far harder task than overcoming the desert sand.'

CHAPTER IV

GOING DOWNHILL

From a farmer occupying a good-sized farm he had descended to be a farmer's bailiff in the same locality. But a few months since he was himself a tenant, and now he is a bailiff at 15s. a week and a cottage. There is nothing dramatic, nothing sensational, in the history of his descent; but it is, perhaps, all the more full of bitter human experiences. As a man going down a steep hill, after a long while finds himself on the edge of a precipitous chalk pit, and topples in one fall to the bottom, so, though the process of going downhill occupied so long, the actual finish came almost suddenly. Thus it was that from being a master he found himself a servant. He does not complain, nor appeal for pity. His back is a little more bowed, he feels the cold a little more, his step is yet more spiritless. But all he says about it is that 'Hard work never made any money yet.'

He has worked exceedingly hard all his lifetime. In his youth, though the family were then well-to-do, he was not permitted to lounge about in idleness, but had to work with the rest in the fields. He dragged his heavy nailed shoes over the furrows with the plough; he reaped and loaded in harvest time; in winter he trimmed the hedgerows, split logs, and looked after the cattle. He enjoyed no luxurious education—luxurious in the sense of scientifically arranged dormitories, ample meals, and vacations to be spent on horseback, or with the breechloader. Trudging to and fro the neighbouring country town, in wind, and wet, and snow, to school, his letters were thrashed into him. In holiday time he went to work—his holidays, in fact, were so arranged as to fall at the time when the lad could be of most use in the field. If an occasion arose when a lad was wanted, his lessons had to wait while he lent a hand. He had his play, of course, as boys in all ages have had; but it was play of a rude character with the plough lads, and the almost equally rough sons of farmers, who worked like ploughmen.

In those days the strong made no pretence to protect the weak, or to abnegate their natural power. The biggest lad used his thews and sinews to knock over the lesser without mercy, till the lesser by degrees grew strong enough to retaliate. To be thrashed, beaten, and kicked was so universal an experience that no one ever imagined it was not correct, or thought of complaining. They accepted it as a matter of course. As he grew older his work simply grew harder, and in no respect differed from that of the labourers, except that he directed what should be done next, but none the less assisted to do it.

Thus the days went on, the weeks, and months, and years. He was close upon forty years old before he had his own will for a single day. Up to almost that age he worked on his father's farm as a labourer among the labourers, as much under parental authority as when he was a boy of ten. When the old man died it was not surprising that the son, so long held down in bondage—bondage from which he had not the spirit to escape—gave way for a short period to riotous living. There was hard drinking, horse-racing, and card-playing, and waste of substance generally.

But it was not for long, for several reasons. In the first place, the lad of forty years, suddenly broken forth as it were from school, had gone past the age when youth plunges beyond recall. He was a grown man, neither wise nor clever; but with a man's sedateness of spirit and a man's hopes. There was no innate evil in his nature to lead him into unrighteous courses. Perhaps his fault rather lay in his inoffensive disposition—he submitted too easily. Then, in the second place, there was not much money, and what there was had to meet many calls.

The son found that the father, though reputed a substantial man, and a man among farmers of high esteem and good family, had been anything but rich. First there were secret debts that had run on for fully thirty years—sums of from fifty to one hundred pounds—borrowed in the days of his youth, when he, too, had at last been released in a similar manner from similar bondage, to meet the riotous living in which he also had indulged. In those earlier days there had been more substance in cattle and corn, and he had had no difficulty in borrowing ready money from adjoining farmers, who afterwards helped him to drink it away. These boon companions had now grown old. They had never pressed their ancient comrade for the principal, the interest being paid regularly. But now their ancient comrade was dead they wanted their money, especially when they saw the son indulging himself, and did not know how far he might go. Their money was paid, and reduced the balance in hand materially.

Now came a still more serious matter. The old man, years ago, when corn farming paid so handsomely, had been induced by the prospect of profit to take a second and yet larger farm, nearly all arable. To do this he was obliged, in farming phrase, to 'take up'—i.e. to borrow—a thousand pounds, which was advanced to him by the bank. Being a man of substance, well reputed, and at that date with many friends, the thousand pounds was forthcoming readily, and on favourable terms. The enterprise, however, did not prosper; times changed, and wheat was not so profitable. In the end he had the wisdom to accept his losses and relinquish the second farm before it ate him up. Had he only carried his wisdom a little farther and repaid the whole of the bank's advance, all might yet have been well. But he only repaid five hundred pounds, leaving five hundred pounds still owing. The bank having regularly received the interest, and believing the old gentleman upright—as he was—was not at all anxious to have the money back, as it was earning fair interest. So the five hundred remained on loan, and, as it seemed, for no very definite purpose.

Whether the old gentleman liked to feel that he had so much money at command (a weakness of human nature common enough), or whether he thought he could increase the produce of his farm by putting it in the soil, it is not possible to say. He certainly put the five hundred out of sight somewhere, for when his son succeeded him it was nowhere to be found. After repaying the small loans to his father's old friends, upon looking round the son saw cattle, corn, hay, and furniture, but no five hundred pounds in ready money. The ready money had been muddled away—simply muddled away, for the old man had worked hard, and was not at all extravagant.

The bank asked for the five hundred, but not in a pressing manner, for the belief still existed that there was money in the family. That belief was still further fostered because the old friends whose loans had been repaid talked about that repayment, and so gave a colour to the idea. The heir, in his slow way, thought the matter over and decided to continue the loan. He could only repay it by instalments—a mode which, to a farmer brought up in the old style, is almost impossible, for though he might meet one he would be sure to put off the next—or by selling stock (equivalent to giving up his place), or by borrowing afresh. So he asked and obtained a continuation of the loan of the five hundred, and was accommodated, on condition that some one 'backed' him. Some one in the family did back him, and the fatal mistake was committed of perpetuating this burden. A loan never remains at the same sum; it increases if it is not reduced. In itself the five hundred was not at all a heavy amount for the farm to carry, but it was the nucleus around which additional burdens piled themselves up. By a species of gravitation such a burden attracts others, till the last straw breaks the camel's back. This, however, was not all.

The heir discovered another secret which likewise contributed to sober him. It appeared that the farm, or rather the stock and so on, was really not all his father's. His father's brother had a share in it—a share of which even the most inquisitive gossips of the place were ignorant. The brother being the eldest (himself in business as a farmer at some distance) had the most money, and had advanced a certain sum to the younger to enable him to start his farm, more than a generation since. From that day to this not one shilling of the principal had been repaid, and the interest only partially and at long intervals. If the interest were all claimed it would now amount to nearly as much as the principal. The brother—or, rather, the uncle—did not make himself at all unpleasant in the matter. He only asked for about half the interest due to him, and at the same time gave the heir a severe caution not to continue the aforesaid riotous living. The heir, now quite brought down to earth after his momentary exaltation, saw the absolute necessity of acquiescence. With a little management he paid the interest—leaving himself with barely enough to work the farm. The uncle, on his part, did not act unkindly; it was he who 'backed' the heir up at the bank in the matter of the continuation of the loan of the five hundred pounds. This five hundred pounds the heir had never seen and never would see: so far as he was concerned it did not exist; it was a mere figure, but a figure for which he must pay. In all these circumstances there was nothing at all exceptional.

At this hour throughout the width and breadth of the country there are doubtless many farmers' heirs stepping into their fathers' shoes, and at this very moment looking into their affairs. It may be safely said that few indeed are those fortunate individuals who find themselves clear of similar embarrassments. In this particular case detailed above, if the heir's circumstances had been rigidly reduced to figures—if a professional accountant had examined them—it would have been found that, although in possession of a large farm, he had not got one scrap of capital.

But he was in possession of the farm, and upon that simple fact of possession he henceforth lived, like so many, many more of his class. He returned to the routine of labour, which was a part of his life. After awhile he married, as a man of forty might naturally wish to, and without any imputation of imprudence so far as his own age was concerned. The wife he chose was one from his own class, a good woman, but, as is said to be often the case, she reflected the weakness of her husband's character. He now worked harder than ever—a labourer with the labourers. He thus saved himself the weekly expense of the wages of a labourer—perhaps, as labourers do not greatly exert themselves, of a man and a boy. But while thus slaving with his hands and saving this small sum in wages, he could not walk round and have an eye upon the other men. They could therefore waste a large amount of time, and thus he lost twice what he saved. Still, his intention was commendable, and his persistent, unvarying labour really wonderful. Had he but been sharper with his men he might still have got a fair day's work out of them while working himself. From the habit of associating with them from boyhood he had fallen somewhat into their own loose, indefinite manner, and had lost the prestige which attaches to a master. To them he seemed like one of themselves, and they were as much inclined to argue with him as to obey. When he met them in the morning he would say, 'Perhaps we had better do so and so,' or 'Suppose we go and do this or that.' They often thought otherwise; and it usually ended in a compromise, the master having his way in part, and the men in part. This lack of decision ran through all, and undid all that his hard work achieved. Everything was muddled from morn till night, from year's end to year's end. As children came the living indoors became harder, and the work out of doors still more laborious.

If a farmer can put away fifty pounds a year, after paying his rent and expenses, if he can lay by a clear fifty pounds of profit, he thinks himself a prosperous man. If this farmer, after forty years of saving, should chance to be succeeded by a son as thrifty, when, he too has carried on the same process for another twenty years, then the family may be, for village society, wealthy, with three or even four thousand pounds, besides goods and gear. This is supposing all things favourable, and men of some ability, making the most of their opportunities. Now reverse the process. When children came, as said before, our hard-working farmer found the living indoors harder, and the labour without heavier. Instead of saving fifty pounds a year, at first the two sides of the account (not that he ever kept any books) about balanced. Then, by degrees, the balance dropped the wrong way. There was a loss, of twenty or thirty pounds on the year, and presently of forty or fifty pounds, which could only be made good by borrowing, and so increasing the payment of interest.

Although it takes sixty years—two generations—to accumulate a village fortune by saving fifty pounds a year, it does not occupy so long to reduce a farmer to poverty when half that sum is annually lost. There was no strongly marked and radical defect in his system of farming to amount for it; it was the muddling, and the muddling only, that did it. His work was blind. He would never miss giving the pigs their dinner, he rose at half-past three in the morning, and foddered the cattle in the grey dawn, or milked a certain number of cows, with unvarying regularity. But he had no foresight, and no observation whatever. If you saw him crossing a field, and went after him, you might walk close behind, placing your foot in the mark just left by his shoe, and he would never know it. With his hands behind his back, and his eyes upon the ground, he would plod across the field, perfectly unconscious that any one was following him. He carried on the old rotation of cropping in the piece of arable land belonging to the farm, but in total oblivion of any advantage to be obtained by local change of treatment. He could plan nothing out for next year. He spent nothing, or next to nothing, on improved implements; but, on the other hand, he saved nothing, from a lack of resource and contrivance.

As the years went by he fell out of the social life of the times; that is, out of the social life of his own circle. He regularly fed the pigs; but when he heard that the neighbours, were all going in to the town to attend some important agricultural meeting, or to start some useful movement, he put his hands behind his back and said that he should not go; he did not understand anything about it. There never used to be anything of that sort. So he went in to luncheon on bread and cheese and small ale. Such a course could only bring him into the contempt of his fellow-men. He became a nonentity. No one had any respect for or confidence in him. Otherwise, possibly, he might have obtained powerful help, for the memory of what his family had been had not yet died out.

Men saw that he lived and worked as a labourer; they gave him no credit for the work, but they despised him for the meanness and churlishness of his life. There was neither a piano nor a decanter of sherry in his house. He was utterly out of accord with the times. By degrees, after many years, it became apparent to all that he was going downhill. The stock upon the farm was not so large nor of so good a character as had been the case. The manner of men visibly changed towards him. The small dealers, even the very carriers along the road, the higglers, and other persons who call at a farm on petty business, gave him clearly to know in their own coarse way that they despised him. They flatly contradicted him, and bore him down with loud tongues. He stood it all meekly, without showing any spirit; but, on the other hand, without resentment, for he never said ill of any man behind his back.

It was put about now that he drank, because some busybody had seen a jar of spirits carried into the house from the wine merchant's cart. A jar of spirits had been delivered at the house at intervals for years and years, far back into his father's time, and every one of those who now expressed their disgust at his supposed drinking habits had sipped their tumblers in that house without stint. He did not drink—he did not take one-half at home what his neighbours imbibed without injury at markets and auctions every week of their lives. But he was growing poor, and they called to mind that brief spell of extravagance years ago, and pointed out to their acquaintances how the sin of the Prodigal was coming home to him.

No man drinks the bitter cup of poverty to the dregs like the declining farmer. The descent is so slow; there is time to drain every drop, and to linger over the flavour. It may be eight, or ten, or fifteen years about. He cannot, like the bankrupt tradesman, even when the fatal notice comes, put up his shutters at once and retire from view. Even at the end, after the notice, six months at least elapse before all is over—before the farm is surrendered, and the sale of household furniture and effects takes place. He is full in public view all that time. So far as his neighbours are concerned he is in public view for years previously. He has to rise in the morning and meet them in the fields. He sees them in the road; he passes through groups of them in the market-place. As he goes by they look after him, and perhaps audibly wonder how long he will last. These people all knew him from a lad, and can trace every inch of his descent. The labourers in the field know it, and by their manner show that they know it.

His wife—his wife who worked so hard for so many, many years—is made to know it too. She is conspicuously omitted from the social gatherings that occur from time to time. The neighbours' wives do not call; their well-dressed daughters, as they rattle by to the town in basket-carriage or dog-cart, look askance at the shabby figure walking slowly on the path beside the road. They criticise the shabby shawl; they sneer at the slow step which is the inevitable result of hard work, the cares of maternity, and of age. So they flaunt past with an odour of perfume, and leave the 'old lady' to plod unrecognised.

The end came at last. All this blind work of his was of no avail against the ocean steamer and her cargo of wheat and meat from the teeming regions of the West. Nor was it of avail against the fall of prices, and the decreased yield consequent upon a succession of bad seasons. The general lack of confidence pressed heavily upon a man who did not even attempt to take his natural place among his fellow-men. The loan from the bank had gradually grown from five to seven or eight hundred by thirties, and forties, and fifties added to it by degrees; and the bank—informed, perhaps, by the same busybodies who had discovered that he drank—declined further assistance, and notified that part, at least, of the principal must be repaid. The landlord had long been well aware of the state of affairs, but refrained from action out of a feeling for the old family. But the land, from the farmer's utter lack of capital, was now going from bad to worse. The bank having declined to advance further, the rent began to fall into arrear. The landlord caused it to be conveyed to his tenant that if he would quit the farm, which was a large one, he could go into a smaller, and his affairs might perhaps be arranged.

The old man—for he was now growing old—put his hands behind his back and said nothing, but went on with his usual routine of work. Whether he had become dulled and deadened and cared nothing, whether hope was extinct, or he could not wrench himself from the old place, he said nothing. Even then some further time elapsed—so slow is the farmer's fall that he might almost be excused for thinking that it would never come. But now came the news that the old uncle who had 'backed' him at the bank had been found dead in bed of sheer old age. Then the long-kept secret came out at last. The dead man's executors claimed the money advanced so many, many years ago.

This discovery finished it. The neighbours soon had food for gossip in the fact that a load of hay which he had sold was met in the road by the landlord's agent and turned back. By the strict letter of his agreement he could not sell hay off the farm; but it had been permitted for years. When they heard this they knew it was all over. The landlord, of course, put in his claim; the bank theirs. In a few months the household furniture and effects were sold, and the farmer and his aged wife stepped into the highway in their shabby clothes.

He did not, however, starve; he passed to a cottage on the outskirts of the village, and became bailiff for the tenant of that very arable farm to work which years ago his father had borrowed the thousand pounds that ultimately proved their ruin. He made a better bailiff than a farmer, being at home with every detail of practice, but incapable of general treatment. His wife does a little washing and charing; not much, for she is old and feeble. No charity is offered to them—they have outlived old friends—nor do they appeal for any. The people of the village do not heed them, nor reflect upon the spectacle in their midst. They are merged and lost in the vast multitude of the agricultural poor. Only two of their children survive; but these, having early left the farm and gone into a city, are fairly well-to-do. That, at least, is a comfort to the old folk.

It is, however, doubtful whether the old man, as he walks down the lane with his hands behind his back and the dead leaves driven by the November breeze rustling after, has much feeling of any kind left. Hard work and adversity have probably deadened his finer senses. Else one would think he could never endure to work as a servant upon that farm of all others, nor to daily pass the scenes of his youth. For yonder, well in sight as he turns a corner of the lane, stands the house where he dwelt so many, many years; where the events of his life came slowly to pass; where he was born; where his bride came home; where his children were born, and from whose door he went forth penniless.

Seeing this every day, surely that old man, if he have but one spark of feeling left, must drink the lees of poverty to the last final doubly bitter dregs.

CHAPTER V

THE BORROWER AND THE GAMBLER

There is no class so jealous of a rapid rise as old-fashioned farming people. They seem to think that if a man once drove pigs to market he should always continue to do so, and all his descendants likewise. Their ideas in a measure approximate to those of caste among the Hindoos. It is a crime to move out of the original groove; if a man be lowly he must remain lowly, or never be forgiven. The lapse of time makes not the least difference. If it takes the man thirty years to get into a fair position he is none the less guilty. A period equal to the existence of a generation is not sufficient excuse for him. He is not one whit better than if he had made his money by a lucky bet on a racehorse. Nor can he ever hope to live down this terrible social misdemeanour, especially if it is accompanied by the least ostentation.

Now, in the present day a man who gets money shows off more than ever was the case. In the olden time the means of luxury were limited, and the fortunate could do little more than drink, and tempt others to drink. But to-day the fortunate farmer in the dog-cart, dressed like a gentleman, drove his thorough-bred, and carried his groom behind. Frank D——, Esq., in the slang of the time, 'did the thing grand!' The dog-cart was a first-rate article. The horse was a high-stepper, such as are not to be bought for a song; the turn-out was at the first glance perfect. But if you looked keenly at the groom, there was a suspicion of the plough in his face and attitude. He did not sit like a man to the manner born. He was lumpy; he lacked the light, active style characteristic of the thoroughbred groom, who is as distinct a breed as the thoroughbred horse. The man looked as if he had been taken from the plough and was conscious of it. His feet were in top-boots, but he could not forget the heavy action induced by a long course of walking in wet furrows. The critics by the hedge were not capable of detecting these niceties. The broad facts were enough for them. There was the gentleman in his ulster, there was the resplendent turn-out, there was the groom, and there was the thoroughbred horse. The man's father drove their pigs to market, and they wanted to know where he got the money from.

Meantime Mr. D——, having carelessly nodded, had gone on. Half a mile farther some of his own fields were contiguous to the road, yet he did not, after the fashion of the farmer generally, pause to gaze at them searchingly; he went on with the same careless glance. This fact, which the old-fashioned folk had often observed, troubled them greatly. It seemed so unnatural, so opposite to the old ideas and ways, that a man should take no apparent interest in his own farm. They said that Frank was nothing of a farmer; he knew nothing of farming. They looked at his ricks; they were badly built, and still worse thatched. They examined his meadows, and saw wisps of hay lying about, evidence of neglect; the fields had not been properly raked. His ploughed fields were full of weeds, and not half worked enough. His labourers had acquired a happy-go-lucky style, and did their work anyhow or not at all, having no one to look after them. So, clearly, it was not Frank's good farming that made him so rich, and enabled him to take so high and leading a position.

Nor was it his education or his 'company' manners. The old folk noted his boorishness and lack of the little refinements which mark the gentleman. His very voice was rude and hoarse, and seemed either to grumble or to roar forth his meaning. They had frequently heard him speak in public—he was generally on the platform when any local movement was in progress—and could not understand why he was put up there to address the audience, unless it was for his infinite brass. The language he employed was rude, his sentences disjointed, his meaning incoherent; but he had a knack of an apropos jest, not always altogether savoury, but which made a mixed assembly laugh. As his public speeches did not seem very brilliant, they supposed he must have the gift of persuasion, in private. He did not even ride well to hounds—an accomplishment that has proved a passport to a great landlord's favour before now—for he had an awkward, and, to the eye, not too secure a seat in the saddle.

Nor was it his personal appearance. He was very tall and ungainly, with a long neck and a small round head on the top of it. His features were flat, and the skin much wrinkled; there seemed nothing in his countenance to recommend him to the notice of the other sex. Yet he had been twice married; the last time to a comparatively young lady with some money, who dressed in the height of fashion.

Frank had two families—one, grown up, by his first wife, the second in the nursery—but it made no difference to him. All were well dressed and well educated; the nursery maids and the infants went out for their airings in a carriage and pair. Mrs. D——, gay as a Parisian belle, and not without pretensions to beauty, was seen at balls, parties, and every other social amusement. She seemed to have the entrée everywhere in the county. All this greatly upset and troubled the old folk, whose heads Frank looked over as he carelessly nodded them good-morning driving by. The cottage people from whose ranks his family had so lately risen, however, had a very decided opinion upon the subject, and expressed it forcibly. "'Pend upon it," they said, "'pend upon it, he have zucked zumbody in zumhow."

This unkind conclusion was perhaps not quite true. The fact was, that Frank, aided by circumstances, had discovered the ease with which a man can borrow. That was his secret—his philosopher's stone. To a certain extent, and in certain ways, he really was a clever man, and he had the luck to begin many years ago when farming was on the ascending side of the cycle. The single solid basis of his success was his thorough knowledge of cattle—his proficiency in dealership. Perhaps this was learnt while assisting his father to drive other folks' pigs to market. At all events, there was no man in the county who so completely understood cattle and sheep, for buying and selling purposes, as Frank. At first he gained his reputation by advising others what and when to buy; by degrees, as people began to see that he was always right, they felt confidence in him, and assisted him to make small investments on his own account. There were then few auctioneers, and cattle were sold in open market. If a man really was a judge, it was as good to him as a reputation for good ale is to an innkeeper. Men flock to a barrel of good ale no matter whether the inn be low class or high class. Men gather about a good judge of cattle, and will back him up. By degrees D—— managed to rent a small farm, more for the purpose of having a place to turn his cattle into than for farming proper—he was, in fact, a small dealer.

Soon afterwards there was an election. During the election, Frank gained the good-will of a local solicitor and political agent. He proved himself an active and perhaps a discreetly unscrupulous assistant. The solicitor thought he saw in Frank talent of a certain order—a talent through which he (the solicitor) might draw unto himself a share of other people's money. The lawyer's judgment of men was as keen as Frank's judgment of cattle. He helped Frank to get into a large farm, advancing the money with which to work it. He ran no risk; for, of course, he had Frank tight in the grasp of his legal fist, and he was the agent for the landlord. The secret was this—the lawyer paid his clients four per cent, for the safe investment of their money. Frank had the money, worked a large farm with it, and speculated in the cattle markets, and realised some fifteen or perhaps twenty per cent., of which the lawyer took the larger share. Something of this sort has been done in other businesses besides farming. Frank, however, was not the man to remain in a state of tutelage, working for another. His forte was not saving—simple accumulation was not for him; but he looked round the district to discover those who had saved.

Now, it is a fact that no man is so foolish with his money as the working farmer in a small way, who has put by a little coin. He is extremely careful about a fourpenny piece, and will wrap a sovereign up in several scraps of paper lest he should lose it; but with his hundred or two hundred pounds he is quite helpless. It has very likely occupied him the best part of his lifetime to add one five-pound note to another, money most literally earned in the sweat of his brow; and at last he lends it to a man like Frank, who has the wit to drive a carriage and ride a thoroughbred. With the strange inconsistency so characteristic of human nature, a half-educated, working farmer of this sort will sneer in his rude way at the pretensions of such a man, and at the same time bow down before him.

Frank knew this instinctively, and, as soon as ever he began to get on, set up a blood-horse and a turn-out. By dint of such vulgar show and his own plausible tongue he persuaded more than one such old fellow to advance him money. Mayhap these confiding persons, like a certain Shallow, J.P., have since earnestly besought him in vain to return them five hundred of their thousand. In like manner one or two elderly ladies—cunning as magpies in their own conceit—let him have a few spare hundreds. They thought they could lay out this money to better advantage than the safe family adviser 'uncle John,' with his talk of the Indian railways and a guaranteed five per cent. They thought (for awhile) that they had done a very clever thing on the sly in lending their spare hundreds to the great Mr. Frank D—— at a high rate of interest, and by this time would perhaps be glad to get the money back again in the tea-caddy.

But Frank was not the man to be satisfied with such small game. After a time he succeeded in getting at the 'squire.' The squire had nothing but the rents of his farms to live upon, and was naturally anxious for an improving tenant who would lay out money and put capital into the soil. He was not so foolish as to think that Frank was a safe man, and of course he had legal advice upon the matter. The squire thought, in fact, that although Frank himself had no money, Frank could get it out of others, and spend it upon his place. It did not concern the squire where or how Frank got his money, provided he had it—he as landlord was secure in case of a crash, because the law gave him precedence over all other creditors. So Frank ultimately stepped into one of the squire's largest farms and cut a finer dash than ever.

There are distinct social degrees in agriculture. The man who occupies a great farm under a squire is a person of much more importance than he who holds a little tenancy of a small proprietor. Frank began to take the lead among the farmers of the neighbourhood, to make his appearance at public meetings, and to become a recognised politician—of course upon the side most powerful in that locality, and most likely to serve his own interest. His assurance, and, it must be owned, his ready wit, helped him in coming to the front. When at the front, he was invited to the houses of really well-to-do country people. They condoned his bluff manners—they were the mark of the true, solid British agriculturist. Some perhaps in their hearts thought that another day they might want a tenant, and this man would serve their turn. As a matter of fact, Frank took every unoccupied farm which he could get at a tolerably reasonable rent. He never seemed satisfied with the acreage he held, but was ever desirous of extending it. He took farm after farm, till at last he held an area equal to a fine estate. For some years there has been a disposition on the part of landlords to throw farms together, making many small ones into one large one. For the time, at all events, Frank seemed to do very well with all these farms to look after. Of course the same old-fashioned folk made ill-natured remarks, and insisted upon it that he merely got what he could out of the soil, and did not care in the least how the farming was done. Nevertheless, he flourished—the high prices and general inflation of the period playing into his hand.

Frank was now a very big man, the biggest man thereabout. And it was now that he began to tap another source of supply—to, as it were, open a fresh cask—i.e. the local bank. At first he only asked for a hundred or so, a mere bagatelle, for a few days—only temporary convenience. The bank was glad to get hold of what really looked like legitimate business, and he obtained the bagatelle in the easiest manner—so easily that it surprised him. He did not himself yet quite know how completely his showy style of life, his large acreage, his speeches, and politics, and familiarity with great people, had imposed upon the world in which he lived. He now began to realise that he was somebody. He repaid the loan to the day, waited awhile and took a larger one, and from that time the frequency and the amount of his loans went on increasing.

We have seen in these latter days bank directors bitterly complaining that they could not lend money at more than 7/8 or even 1/2 per cent., so little demand was there for accommodation. They positively could not lend their money; they had millions in their tills unemployed, and practically going a-begging. But here was Frank paying seven per cent, for short loans, and upon a continually enlarging amount. His system, so far as the seasons were concerned, was something like this. He took a loan (or renewed an old one) at the bank on the security of the first draught of lambs for sale, say, in June. This paid the labourers and the working expenses of the hay harvest, and of preparing for the corn. He took the next upon the second draught of lambs in August, which paid the reapers. He took a third on the security of the crops, partly cut, or in process of cutting, for his Michaelmas rent. Then for the fall of the year he kept on threshing out and selling as he required money, and had enough left to pay for the winter's work. This was Frank's system—the system of too many farmers, far more than would be believed. Details of course vary, and not all, like Frank, need three loans at least in the season to keep them going. It is not every man who mortgages his lambs, his ewes (the draught from a flock for sale), and the standing crops in succession.

But of late years farming has been carried on in such an atmosphere of loans, and credit, and percentage, and so forth, that no one knows what is or what is not mortgaged. You see a flock of sheep on a farm, but you do not know to whom they belong. You see the cattle in the meadow, but you do not know who has a lien upon them. You see the farmer upon his thoroughbred, but you do not know to whom in reality the horse belongs. It is all loans and debt. The vendors of artificial manure are said not to be averse sometimes to make an advance on reasonable terms to those enterprising and deserving farmers who grow so many tons of roots, and win the silver cups, and so on, for the hugest mangold grown with their particular manure. The proprietors of the milk-walks in London are said to advance money to the struggling dairymen who send them their milk. And latterly the worst of usurers have found out the farmers—i.e. the men who advance on bills of sale of furniture, and sell up the wretched client who does not pay to the hour. Upon such bills of sale English farmers have been borrowing money, and with the usual disastrous results. In fact, till the disastrous results became so conspicuous, no one guessed that the farmer had descended so far. Yet, it is a fact, and a sad one.

All the while the tradespeople of the market-towns—the very people who have made the loudest outcry about the depression and the losses they have sustained—these very people have been pressing their goods upon the farmers, whom they must have known were many of them hardly able to pay their rents. Those who have not seen it cannot imagine what a struggle and competition has been going on in little places where one would think the very word was unknown, just to persuade the farmer and the farmer's family to accept credit. But there is another side to it. The same tradesman who to-day begs—positively begs—the farmer to take his goods on any terms, in six months' time sends his bill, and, if it be not paid immediately, puts the County Court machinery in motion.

Now this to the old-fashioned farmer is a very bitter thing. He has never had the least experience of the County Court; his family never were sued for debt since they can remember. They have always been used to a year's credit at least—often two, and even three. To be threatened with public exposure in the County Court because a little matter of five pounds ten is not settled instantly is bitter indeed. And to be sued so arbitrarily by the very tradesman who almost stuffed his goods down their throats is more bitter still.

Frank D——, Esq.'s coarse grandeur answered very well indeed so long as prices were high. While the harvests were large and the markets inflated; while cattle fetched good money; while men's hearts were full of mirth—all went well. It is whispered now that the grand Frank has secretly borrowed 25l. of a little cottage shopkeeper in the adjacent village—a man who sells farthing candles and ounces of tea—to pay his reapers. It is also currently whispered that Frank is the only man really safe, for the following reason—they are all 'in' so deep they find it necessary to keep him going. The squire is 'in,' the bank is 'in,' the lawyer is 'in,' the small farmers with two hundred pounds capital are 'in,' and the elderly ladies who took their bank-notes out of their tea-caddies are 'in.' That is to say, Mr. Frank owes them so much money that, rather than he should come to grief (when, they must lose pretty well all), they prefer to keep him afloat. It is a noticeable fact that Frank is the only man who has not raised his voice and shouted 'Depression.' Perhaps the squire thinks that so repellent a note, if struck by a leading man like Frank, might not be to his interest, and has conveyed that thought to the gentleman in the dog-cart with the groom behind. There are, however, various species of the façade farmer.

'What kind of agriculture is practised here?' the visitor from town naturally asks his host, as they stroll towards the turnips (in another district), with shouldered guns. 'Oh, you had better see Mr. X——,' is the reply, 'He is our leading agriculturist; he'll tell you all about it.' Everybody repeats the same story, and once Mr. X——'s name is started everybody talks of him. The squire, the clergyman—even in casually calling at a shop in the market town, or at the hotel (there are few inns now)—wherever he goes the visitor hears from all of Mr. X——. A successful man—most successful, progressive, scientific, intellectual. 'Like to see him? Nothing easier. Introduction? Nonsense. Why, he'd be delighted to see you. Come with me.'

Protesting feebly against intruding on privacy, the visitor is hurried away, and expecting to meet a solid, sturdy, and somewhat gruff old gentleman of the John Hull type, endeavors to hunt up some ideas about shorthorns and bacon pigs. He is a little astonished upon entering the pleasure grounds to see one or more gardeners busy among the parterres and shrubberies, the rhododendrons, the cedar deodaras, the laurels, the pampas grass, the 'carpet gardening' beds, and the glass of distant hothouses glittering in the sun. A carriage and pair, being slowly driven by a man in livery from the door down to the extensive stabling, passes—clearly some of the family have just returned. On ringing, the callers are shown through a spacious hall with a bronze or two on the marble table, into a drawing-room, elegantly furnished. There is a short iron grand open with a score carelessly left by the last player, a harp in the corner, half hidden by the curtains, some pieces of Nankin china on the side tables.

Where are the cow-sheds? Looking out of window a level lawn extends, and on it two young gentlemen are playing tennis, in appropriate costume. The laboured platitudes that had been prepared about shorthorns and bacon pigs are quite forgotten, and the visitor is just about to ask the question if his guide has not missed the farm-house and called at the squire's, when Mr. X—— comes briskly in, and laughs all apology about intrusion to the winds in his genial manner. He insists on his friends taking some refreshment, will not take refusal; and such is the power of his vivacity, that they find themselves sipping Madeira and are pressed to come and dine in the evening, before one at least knows exactly where he is. 'Just a homely spread, you know; pot-luck; a bit of fish and a glass of Moet; now do come.' This curious mixture of bluff cordiality, with unexpected snatches of refinement, is Mr. X——'s great charm. 'Style of farming; tell you with pleasure.' [Rings the bell.] 'John' (to the manservant), 'take this key and bring me account book No. 6 B, Copse Farm; that will be the best way to begin.'

If the visitor knows anything of country life, he cannot help recollecting that, if the old type of farmer was close and mysterious about anything, it was his accounts. Not a word could be got out of him of profit or loss, or revenue: he would barely tell you his rent per acre, and it was doubtful if his very wife ever saw his pass-book. Opening account book No. 6 B, the explanation proceeds.

'My system of agriculture is simplicity itself, sir. It is all founded on one beautiful commercial precept. Our friends round about here [with a wave of the hand, indicating the country side]—our old folks—whenever they got a guinea put it out of sight, made a hoard, hid it in a stocking, or behind a brick in the chimney. Ha! ha! Consequently their operations were always restricted to the same identical locality—no scope, sir, no expansion. Now my plan is—invest every penny. Make every shilling pay for the use of half a crown, and turn the half-crown into seven and sixpence. Credit is the soul of business. There you have it. Simplicity itself. Here are the books; see for yourself. I publish my balance half-yearly—like a company. Then the public see what you are doing. The earth, sir, as I said at the dinner the other day (the idea was much applauded), the earth is like the Bank of England—you may draw on it to any extent; there's always a reserve to meet you. You positively can't overdraw the account. You see there's such a solid security behind you. The fact is, I bring commercial principles into agriculture; the result is, grand success. However, here's the book; just glance over the figures.'

The said figures utterly bewilder the visitor, who in courtesy runs his eye from top to bottom of the long columns—farming accounts are really the most complicated that can be imagined—so he, meantime, while turning over the pages, mentally absorbs the personality of the commercial agriculturist. He sees a tall, thin farmer, a brown face and neck, long restless sinewy hands, perpetually twiddling with a cigar or a gold pencil-case—generally the cigar, or rather the extinct stump of it, which he every now and then sucks abstractedly, in total oblivion as to its condition. His dress would pass muster in towns—well cut, and probably from Bond Street. He affects a frock and high hat one day, and knickerbockers and sun helmet the next. His pockets are full of papers, letters, etc., and as he searches amid the mass for some memorandum to show, glimpses may be seen of certain oblong strips of blue paper with an impressed stamp.

'Very satisfactory,' says the visitor, handing back No 6 B; 'may I inquire how many acres you occupy?'

Out comes a note-book. 'Hum! There's a thousand down in the vale, and fifteen hundred upland, and the new place is about nine hundred, and the meadows—I've mislaid the meadows—but it's near about four thousand. Different holdings, of course. Great nuisance that, sir; transit, you see, costs money. City gentlemen know that. Absurd system in this country—the land parcelled out in little allotment gardens of two or three hundred acres. Why, there's a little paltry hundred and twenty acre freehold dairy farm lies between my vale and upland, and the fellow won't let my waggons or ploughing-tackle take the short cut, ridiculous. Time it was altered, sir. Shooting? Why, yes; I have the shooting. Glad if you'd come over.'

Then more Madeira, and after it a stroll through the gardens and shrubberies and down to the sheds, a mile, or nearly, distant. There, a somewhat confused vision of 'grand shorthorns,' and an inexplicable jumble of pedigrees, grand-dams, and 'g-g-g-g-g-g-dams,' as the catalogues have it; handsome hunters paraded, steam-engines pumping water, steam-engines slicing up roots, distant columns of smoke where steam-engines are tearing up the soil. All the while a scientific disquisition on ammonia and the constituent parts and probable value of town sewage as compared with guano. And at intervals, and at parting, a pressing invitation to dinner [when pineapples or hot-house grapes are certain to make their appearance at dessert]—such a flow of genial eloquence surely was never heard before!

It requires a week at least of calm reflection, and many questions to his host, before the visitor—quite carried away—can begin to arrange his ideas, and to come slowly to the opinion that though Mr. X—— is as open as the day and frank to a fault, it will take him a precious long time to get to the bottom of Mr. X——'s system; that is to say, if there is any bottom at all to it.

Mr. X—— is, in brief, a gambler. Not in a dishonest, or even suspicious sense, but a pure gambler. He is a gigantic agricultural speculator; his system is, as he candidly told you, credit. Credit not only with the bank, but with everybody. He has actually been making use of you, his casual and unexpected visitor, as an instrument. You are certain to talk about him; the more he is talked of the better, it gives him a reputation, which is beginning to mean a great deal in agriculture as it has so long in other pursuits. You are sure to tell everybody who ever chooses to converse with you about the country of Mr. X——, and Mr. X——'s engines, cattle, horses, profuse hospitality, and progressive science.

To be socially popular is a part of his system; he sows corn among society as freely as over his land, and looks to some grains to take root, and bring him increase a hundred fold, as indeed they do. Whatever movement is originated in the neighbourhood finds him occupying a prominent position. He goes to London as the representative of the local agricultural chamber; perhaps waits upon a Cabinet Minister as one of the deputation. He speaks regularly at the local chamber meetings; his name is ever in the papers. The press are invited to inspect his farms, and are furnished with minute details. Every now and then a sketch of his life and doings, perhaps illustrated with a portrait, appears in some agricultural periodical. At certain seasons of the year parties of gentlemen are conducted over his place. In parochial or district matters he is a leading man.

Is it a cottage flower-show, a penny reading, a cricket club, a benefit society—it does not matter what, his subscriptions, his name, and his voice are heard in it. He is the life and soul of it; the energy comes from him, though others higher in the scale may be the nominal heads. And the nominal heads, knowing that he can be relied upon politically, are grateful, and give him their good word freely. He hunts, and is a welcome companion—the meet frequently takes place at his house, or some of the huntsmen call for lunch; in fact, the latter is an invariable thing. Everybody calls for lunch who happens to pass near any day; the house has a reputation for hospitality. He is the clergyman's right hand—as in managing the school committee. When the bishop comes to the confirmation, he is introduced as 'my chief lay supporter.' At the Rural Diaconal Conference, 'my chief supporter' is one of the lay speakers. Thus he obtains every man's good word whose good word is worth anything. Social credit means commercial credit. Yet he is not altogether acting a part—he really likes taking the lead and pushing forward, and means a good deal of what he says.

He is especially quite honest in his hospitality. All the same, so far as business is concerned, it is pure gambling, which may answer very well in favourable times, but is not unlikely to end in failure should the strain of depression become too severe. Personal popularity, however, will tide him over a great deal. When a man is spoken highly of by gentry, clergy, literally everybody, the bank is remarkably accommodating. Such a man may get for his bare signature—almost pressed on him, as if his acceptance of it were a favour—what another would have to deposit solid security for.

In plain language, he borrows money and invests it in every possible way. His farms are simply the basis of his credit. He buys blood shorthorns, he buys blood horses, and he sells them again. He buys wheat, hay, &c., to dispose of them at a profit. If he chose, he could explain to you the meaning of contango, and even of that mysterious term to the uninitiated, 'backwardation.' His speculations for the 'account' are sometimes heavy. So much so, that occasionally, with thousands invested, he has hardly any ready money. But, then, there are the crops; he can get money on the coming crops. There is, too, the live stock money can be borrowed on the stock.

Here lies the secret reason of the dread of foreign cattle disease. The increase of our flocks and herds is, of course, a patriotic cry (and founded on fact); but the secret pinch is this—if foot-and-mouth, pleuro-pneumonia, or rinderpest threaten the stock, the tenant-farmer cannot borrow on that security. The local bankers shake their heads—three cases of rinderpest are equivalent to a reduction of 25 per cent. in the borrowing power of the agriculturist. The auctioneers and our friends have large transactions—'paper' here again. With certain members of the hunt he books bets to a high amount; his face is not unknown at Tattersall's or at the race meetings. But he does not flourish the betting-book in the face of society. He bets—and holds his tongue. Some folks have an ancient and foolish prejudice against betting; he respects sincere convictions.

Far and away he is the best fellow, the most pleasant company in the shire, always welcome everywhere. He has read widely, is well educated; but, above all, he is ever jolly, and his jollity is contagious. Despite his investments and speculations, his brow never wears that sombre aspect of gloomy care, that knitted concentration of wrinkles seen on the face of the City man, who goes daily to his 'office.' The out-of-door bluffness, the cheery ringing voice, and the upright form only to be gained in the saddle over the breezy uplands, cling to him still. He wakes everybody up, and, risky as perhaps some of his speculations are, is socially enlivening.

The two young gentlemen, by-the-by, observed playing lawn-tennis from the drawing-room window, are two of his pupils, whose high premiums and payments assist to keep up the free and generous table, and who find farming a very pleasant profession. The most striking characteristic of their tutor is his Yankee-like fertility of resource and bold innovations—the very antipodes of the old style of 'clod-compeller.'