CHAPTER I. In Which Morris
Suspects
How very little does the amateur,
dwelling at home at ease, comprehend the labours and perils of the
author, and, when he smilingly skims the surface of a work of
fiction, how little does he consider the hours of toil,
consultation of authorities, researches in the Bodleian,
correspondence with learned and illegible Germans—in one word, the
vast scaffolding that was first built up and then knocked down, to
while away an hour for him in a railway train! Thus I might begin
this tale with a biography of Tonti—birthplace, parentage, genius
probably inherited from his mother, remarkable instance of
precocity, etc—and a complete treatise on the system to which he
bequeathed his name. The material is all beside me in a
pigeon-hole, but I scorn to appear vainglorious. Tonti is dead, and
I never saw anyone who even pretended to regret him; and, as for
the tontine system, a word will suffice for all the purposes of
this unvarnished narrative.
A number of sprightly youths (the
more the merrier) put up a certain sum of money, which is then
funded in a pool under trustees; coming on for a century later, the
proceeds are fluttered for a moment in the face of the last
survivor, who is probably deaf, so that he cannot even hear of his
success— and who is certainly dying, so that he might just as well
have lost. The peculiar poetry and even humour of the scheme is now
apparent, since it is one by which nobody concerned can possibly
profit; but its fine, sportsmanlike character endeared it to our
grandparents.
When Joseph Finsbury and his
brother Masterman were little lads in white- frilled trousers,
their father—a well-to-do merchant in Cheapside—caused them to join
a small but rich tontine of seven-and-thirty lives. A thousand
pounds was the entrance fee; and Joseph Finsbury can remember to
this day the visit to the lawyer’s, where the members of the
tontine—all children like himself—were assembled together, and sat
in turn in the big office chair, and signed their names with the
assistance of a kind old gentleman in spectacles and Wellington
boots. He remembers playing with the children afterwards on the
lawn at the back of the lawyer’s house, and a battle-royal that he
had with a brother tontiner who had kicked his shins. The sound of
war called forth the lawyer from where he was dispensing cake and
wine to the assembled parents in the office, and the combatants
were separated, and Joseph’s spirit (for he was the smaller of the
two) commended by the gentleman in the Wellington boots, who vowed
he had been just such another at the same age. Joseph wondered to
himself if he had worn at that time little Wellingtons and a little
bald head, and when, in bed at night, he grew tired of telling
himself stories of sea-fights, he used to dress himself up as the
old gentleman, and entertain
other little boys and girls with
cake and wine.
In the year 1840 the thirty-seven
were all alive; in 1850 their number had decreased by six; in 1856
and 1857 business was more lively, for the Crimea and the Mutiny
carried off no less than nine. There remained in 1870 but five of
the original members, and at the date of my story, including the
two Finsburys, but three.
By this time Masterman was in his
seventy-third year; he had long complained of the effects of age,
had long since retired from business, and now lived in absolute
seclusion under the roof of his son Michael, the well- known
solicitor. Joseph, on the other hand, was still up and about, and
still presented but a semi-venerable figure on the streets in which
he loved to wander. This was the more to be deplored because
Masterman had led (even to the least particular) a model British
life. Industry, regularity, respectability, and a preference for
the four per cents are understood to be the very foundations of a
green old age. All these Masterman had eminently displayed, and
here he was, ab agendo, at seventy-three; while Joseph, barely two
years younger, and in the most excellent preservation, had
disgraced himself through life by idleness and eccentricity.
Embarked in the leather trade, he had early wearied of business,
for which he was supposed to have small parts. A taste for general
information, not promptly checked, had soon begun to sap his
manhood. There is no passion more debilitating to the mind, unless,
perhaps, it be that itch of public speaking which it not
infrequently accompanies or begets. The two were conjoined in the
case of Joseph; the acute stage of this double malady, that in
which the patient delivers gratuitous lectures, soon declared
itself with severity, and not many years had passed over his head
before he would have travelled thirty miles to address an infant
school. He was no student; his reading was confined to elementary
textbooks and the daily papers; he did not even fly as high as
cyclopedias; life, he would say, was his volume. His lectures were
not meant, he would declare, for college professors; they were
addressed direct to ‘the great heart of the people’, and the heart
of the people must certainly be sounder than its head, for his
lucubrations were received with favour. That entitled ‘How to Live
Cheerfully on Forty Pounds a Year’, created a sensation among the
unemployed. ‘Education: Its Aims, Objects, Purposes, and
Desirability’, gained him the respect of the shallow-minded. As for
his celebrated essay on ‘Life Insurance Regarded in its Relation to
the Masses’, read before the Working Men’s Mutual Improvement
Society, Isle of Dogs, it was received with a ‘literal ovation’ by
an unintelligent audience of both sexes, and so marked was the
effect that he was next year elected honorary president of the
institution, an office of less than no emolument— since the holder
was expected to come down with a donation—but one which highly
satisfied his self-esteem.
While Joseph was thus building
himself up a reputation among the more cultivated portion of the
ignorant, his domestic life was suddenly overwhelmed by orphans.
The death of his younger brother Jacob saddled him with the charge
of two boys, Morris and John; and in the course of the same year
his family was still further swelled by the addition of a little
girl, the daughter of John Henry Hazeltine, Esq., a gentleman of
small property and fewer friends. He had met Joseph only once, at a
lecture-hall in Holloway; but from that formative experience he
returned home to make a new will, and consign his daughter and her
fortune to the lecturer. Joseph had a kindly disposition; and yet
it was not without reluctance that he accepted this new
responsibility, advertised for a nurse, and purchased a second-hand
perambulator. Morris and John he made more readily welcome; not so
much because of the tie of consanguinity as because the leather
business (in which he hastened to invest their fortune of thirty
thousand pounds) had recently exhibited inexplicable symptoms of
decline. A young but capable Scot was chosen as manager to the
enterprise, and the cares of business never again afflicted Joseph
Finsbury. Leaving his charges in the hands of the capable Scot (who
was married), he began his extensive travels on the Continent and
in Asia Minor.
With a polyglot Testament in one
hand and a phrase-book in the other, he groped his way among the
speakers of eleven European languages. The first of these guides is
hardly applicable to the purposes of the philosophic traveller, and
even the second is designed more expressly for the tourist than for
the expert in life. But he pressed interpreters into his
service—whenever he could get their services for nothing—and by one
means and another filled many notebooks with the results of his
researches.
In these wanderings he spent
several years, and only returned to England when the increasing age
of his charges needed his attention. The two lads had been placed
in a good but economical school, where they had received a sound
commercial education; which was somewhat awkward, as the leather
business was by no means in a state to court enquiry. In fact, when
Joseph went over his accounts preparatory to surrendering his
trust, he was dismayed to discover that his brother’s fortune had
not increased by his stewardship; even by making over to his two
wards every penny he had in the world, there would still be a
deficit of seven thousand eight hundred pounds. When these facts
were communicated to the two brothers in the presence of a lawyer,
Morris Finsbury threatened his uncle with all the terrors of the
law, and was only prevented from taking extreme steps by the advice
of the professional man. ‘You cannot get blood from a stone,’
observed the lawyer.
And Morris saw the point and came
to terms with his uncle. On the one side, Joseph gave up all that
he possessed, and assigned to his nephew his
contingent interest in the
tontine, already quite a hopeful speculation. On the other, Morris
agreed to harbour his uncle and Miss Hazeltine (who had come to
grief with the rest), and to pay to each of them one pound a month
as pocket-money. The allowance was amply sufficient for the old
man; it scarce appears how Miss Hazeltine contrived to dress upon
it; but she did, and, what is more, she never complained. She was,
indeed, sincerely attached to her incompetent guardian. He had
never been unkind; his age spoke for him loudly; there was
something appealing in his whole-souled quest of knowledge and
innocent delight in the smallest mark of admiration; and, though
the lawyer had warned her she was being sacrificed, Julia had
refused to add to the perplexities of Uncle Joseph.
In a large, dreary house in John
Street, Bloomsbury, these four dwelt together; a family in
appearance, in reality a financial association. Julia and Uncle
Joseph were, of course, slaves; John, a gentle man with a taste for
the banjo, the music-hall, the Gaiety bar, and the sporting papers,
must have been anywhere a secondary figure; and the cares and
delights of empire devolved entirely upon Morris. That these are
inextricably intermixed is one of the commonplaces with which the
bland essayist consoles the incompetent and the obscure, but in the
case of Morris the bitter must have largely outweighed the sweet.
He grudged no trouble to himself, he spared none to others; he
called the servants in the morning, he served out the stores with
his own hand, he took soundings of the sherry, he numbered the
remainder biscuits; painful scenes took place over the weekly
bills, and the cook was frequently impeached, and the tradespeople
came and hectored with him in the back parlour upon a question of
three farthings. The superficial might have deemed him a miser; in
his own eyes he was simply a man who had been defrauded; the world
owed him seven thousand eight hundred pounds, and he intended that
the world should pay.
But it was in his dealings with
Joseph that Morris’s character particularly shone. His uncle was a
rather gambling stock in which he had invested heavily; and he
spared no pains in nursing the security. The old man was seen
monthly by a physician, whether he was well or ill. His diet, his
raiment, his occasional outings, now to Brighton, now to
Bournemouth, were doled out to him like pap to infants. In bad
weather he must keep the house. In good weather, by half-past nine,
he must be ready in the hall; Morris would see that he had gloves
and that his shoes were sound; and the pair would start for the
leather business arm in arm. The way there was probably dreary
enough, for there was no pretence of friendly feeling; Morris had
never ceased to upbraid his guardian with his defalcation and to
lament the burthen of Miss Hazeltine; and Joseph, though he was a
mild enough soul, regarded his nephew with something very near akin
to hatred. But the way there was nothing to the journey back; for
the mere sight of the place of business, as well as every
detail of its transactions, was
enough to poison life for any Finsbury.
Joseph’s name was still over the
door; it was he who still signed the cheques; but this was only
policy on the part of Morris, and designed to discourage other
members of the tontine. In reality the business was entirely his;
and he found it an inheritance of sorrows. He tried to sell it, and
the offers he received were quite derisory. He tried to extend it,
and it was only the liabilities he succeeded in extending; to
restrict it, and it was only the profits he managed to restrict.
Nobody had ever made money out of that concern except the capable
Scot, who retired (after his discharge) to the neighbourhood of
Banff and built a castle with his profits. The memory of this
fallacious Caledonian Morris would revile daily, as he sat in the
private office opening his mail, with old Joseph at another table,
sullenly awaiting orders, or savagely affixing signatures to he
knew not what. And when the man of the heather pushed cynicism so
far as to send him the announcement of his second marriage (to
Davida, eldest daughter of the Revd. Alexander McCraw), it was
really supposed that Morris would have had a fit.
Business hours, in the Finsbury
leather trade, had been cut to the quick; even Morris’s strong
sense of duty to himself was not strong enough to dally within
those walls and under the shadow of that bankruptcy; and presently
the manager and the clerks would draw a long breath, and compose
themselves for another day of procrastination. Raw Haste, on the
authority of my Lord Tennyson, is half-sister to Delay; but the
Business Habits are certainly her uncles. Meanwhile, the leather
merchant would lead his living investment back to John Street like
a puppy dog; and, having there immured him in the hall, would
depart for the day on the quest of seal rings, the only passion of
his life. Joseph had more than the vanity of man, he had that of
lecturers. He owned he was in fault, although more sinned against
(by the capable Scot) than sinning; but had he steeped his hands in
gore, he would still not deserve to be thus dragged at the
chariot-wheels of a young man, to sit a captive in the halls of his
own leather business, to be entertained with mortifying comments on
his whole career—to have his costume examined, his collar pulled
up, the presence of his mittens verified, and to be taken out and
brought home in custody, like an infant with a nurse. At the
thought of it his soul would swell with venom, and he would make
haste to hang up his hat and coat and the detested mittens, and
slink upstairs to Julia and his notebooks. The drawing- room at
least was sacred from Morris; it belonged to the old man and the
young girl; it was there that she made her dresses; it was there
that he inked his spectacles over the registration of disconnected
facts and the calculation of insignificant statistics.
Here he would sometimes lament
his connection with the tontine. ‘If it were not for that,’ he
cried one afternoon, ‘he would not care to keep me. I
might be a free man, Julia. And I
could so easily support myself by giving lectures.’
‘To be sure you could,’ said she;
‘and I think it one of the meanest things he ever did to deprive
you of that amusement. There were those nice people at the Isle of
Cats (wasn’t it?) who wrote and asked you so very kindly to give
them an address. I did think he might have let you go to the Isle
of Cats.’
‘He is a man of no intelligence,’
cried Joseph. ‘He lives here literally surrounded by the absorbing
spectacle of life, and for all the good it does him, he might just
as well be in his coffin. Think of his opportunities! The heart of
any other young man would burn within him at the chance. The amount
of information that I have it in my power to convey, if he would
only listen, is a thing that beggars language, Julia.’
‘Whatever you do, my dear, you
mustn’t excite yourself,’ said Julia; ‘for you know, if you look at
all ill, the doctor will be sent for.’
‘That is very true,’ returned the
old man humbly, ‘I will compose myself with a little study.’ He
thumbed his gallery of notebooks. ‘I wonder,’ he said, ‘I wonder
(since I see your hands are occupied) whether it might not interest
you
—’
‘Why, of course it would,’ cried
Julia. ‘Read me one of your nice stories, there’s a dear.’
He had the volume down and his
spectacles upon his nose instanter, as though to forestall some
possible retractation. ‘What I propose to read to you,’ said he,
skimming through the pages, ‘is the notes of a highly important
conversation with a Dutch courier of the name of David Abbas, which
is the Latin for abbot. Its results are well worth the money it
cost me, for, as Abbas at first appeared somewhat impatient, I was
induced to (what is, I believe, singularly called) stand him drink.
It runs only to about five-and-twenty pages. Yes, here it is.’ He
cleared his throat, and began to read.
Mr Finsbury (according to his own
report) contributed about four hundred and ninety-nine
five-hundredths of the interview, and elicited from Abbas literally
nothing. It was dull for Julia, who did not require to listen; for
the Dutch courier, who had to answer, it must have been a perfect
nightmare. It would seem as if he had consoled himself by frequent
appliances to the bottle; it would even seem that (toward the end)
he had ceased to depend on Joseph’s frugal generosity and called
for the flagon on his own account. The effect, at least, of some
mellowing influence was visible in the record: Abbas became
suddenly a willing witness; he began to volunteer disclosures; and
Julia had just looked up from her seam with something like a smile,
when Morris burst into the house, eagerly calling for his uncle,
and the next instant plunged into
the room, waving in the air the
evening paper.
It was indeed with great news
that he came charged. The demise was announced of
Lieutenant-General Sir Glasgow Biggar, KCSI, KCMG, etc., and the
prize of the tontine now lay between the Finsbury brothers. Here
was Morris’s opportunity at last. The brothers had never, it is
true, been cordial. When word came that Joseph was in Asia Minor,
Masterman had expressed himself with irritation. ‘I call it simply
indecent,’ he had said. ‘Mark my words
—we shall hear of him next at the
North Pole.’ And these bitter expressions had been reported to the
traveller on his return. What was worse, Masterman had refused to
attend the lecture on ‘Education: Its Aims, Objects, Purposes, and
Desirability’, although invited to the platform. Since then the
brothers had not met. On the other hand, they never had openly
quarrelled; Joseph (by Morris’s orders) was prepared to waive the
advantage of his juniority; Masterman had enjoyed all through life
the reputation of a man neither greedy nor unfair. Here, then, were
all the elements of compromise assembled; and Morris, suddenly
beholding his seven thousand eight hundred pounds restored to him,
and himself dismissed from the vicissitudes of the leather trade,
hastened the next morning to the office of his cousin
Michael.
Michael was something of a public
character. Launched upon the law at a very early age, and quite
without protectors, he had become a trafficker in shady affairs. He
was known to be the man for a lost cause; it was known he could
extract testimony from a stone, and interest from a gold-mine; and
his office was besieged in consequence by all that numerous class
of persons who have still some reputation to lose, and find
themselves upon the point of losing it; by those who have made
undesirable acquaintances, who have mislaid a compromising
correspondence, or who are blackmailed by their own butlers. In
private life Michael was a man of pleasure; but it was thought his
dire experience at the office had gone far to sober him, and it was
known that (in the matter of investments) he preferred the solid to
the brilliant. What was yet more to the purpose, he had been all
his life a consistent scoffer at the Finsbury tontine.
It was therefore with little fear
for the result that Morris presented himself before his cousin, and
proceeded feverishly to set forth his scheme. For near upon a
quarter of an hour the lawyer suffered him to dwell upon its
manifest advantages uninterrupted. Then Michael rose from his seat,
and, ringing for his clerk, uttered a single clause: ‘It won’t do,
Morris.’
It was in vain that the leather
merchant pleaded and reasoned, and returned day after day to plead
and reason. It was in vain that he offered a bonus of one thousand,
of two thousand, of three thousand pounds; in vain that he offered,
in Joseph’s name, to be content with only one-third of the pool.
Still there came the same answer: ‘It won’t do.’
‘I can’t see the bottom of this,’
he said at last. ‘You answer none of my arguments; you haven’t a
word to say. For my part, I believe it’s malice.’
The lawyer smiled at him
benignly. ‘You may believe one thing,’ said he. ‘Whatever else I
do, I am not going to gratify any of your curiosity. You see I am a
trifle more communicative today, because this is our last interview
upon the subject.’
‘Our last interview!’ cried
Morris.
‘The stirrup-cup, dear boy,’
returned Michael. ‘I can’t have my business hours encroached upon.
And, by the by, have you no business of your own? Are there no
convulsions in the leather trade?’
‘I believe it to be malice,’
repeated Morris doggedly. ‘You always hated and despised me from a
boy.’
‘No, no—not hated,’ returned
Michael soothingly. ‘I rather like you than otherwise; there’s such
a permanent surprise about you, you look so dark and attractive
from a distance. Do you know that to the naked eye you look
romantic?—like what they call a man with a history? And indeed,
from all that I can hear, the history of the leather trade is full
of incident.’
‘Yes,’ said Morris, disregarding
these remarks, ‘it’s no use coming here. I shall see your
father.’
‘O no, you won’t,’ said Michael.
‘Nobody shall see my father.’ ‘I should like to know why,’ cried
his cousin.
‘I never make any secret of
that,’ replied the lawyer. ‘He is too ill.’
‘If he is as ill as you say,’
cried the other, ‘the more reason for accepting my proposal. I will
see him.’
‘Will you?’ said Michael, and he
rose and rang for his clerk.
It was now time, according to Sir
Faraday Bond, the medical baronet whose name is so familiar at the
foot of bulletins, that Joseph (the poor Golden Goose) should be
removed into the purer air of Bournemouth; and for that uncharted
wilderness of villas the family now shook off the dust of
Bloomsbury; Julia delighted, because at Bournemouth she sometimes
made acquaintances; John in despair, for he was a man of city
tastes; Joseph indifferent where he was, so long as there was pen
and ink and daily papers, and he could avoid martyrdom at the
office; Morris himself, perhaps, not displeased to pretermit these
visits to the city, and have a quiet time for thought. He was
prepared for any sacrifice; all he desired was to get his money
again and clear his feet of leather; and it would be strange, since
he was so modest in his desires, and the pool amounted to upward of
a hundred and
sixteen thousand pounds—it would
be strange indeed if he could find no way of influencing Michael.
‘If I could only guess his reason,’ he repeated to himself; and by
day, as he walked in Branksome Woods, and by night, as he turned
upon his bed, and at meal-times, when he forgot to eat, and in the
bathing machine, when he forgot to dress himself, that problem was
constantly before him: Why had Michael refused?
At last, one night, he burst into
his brother’s room and woke him. ‘What’s all this?’ asked
John.
‘Julia leaves this place
tomorrow,’ replied Morris. ‘She must go up to town and get the
house ready, and find servants. We shall all follow in three
days.’
‘Oh, brayvo!’ cried John. ‘But
why?’
‘I’ve found it out, John,’
returned his brother gently. ‘It? What?’ enquired John.
‘Why Michael won’t compromise,’
said Morris. ‘It’s because he can’t. It’s because Masterman’s dead,
and he’s keeping it dark.’
‘Golly!’ cried the impressionable
John. ‘But what’s the use? Why does he do it, anyway?’
‘To defraud us of the tontine,’
said his brother.
‘He couldn’t; you have to have a
doctor’s certificate,’ objected John.
‘Did you never hear of venal
doctors?’ enquired Morris. ‘They’re as common as blackberries: you
can pick ‘em up for three-pound-ten a head.’
‘I wouldn’t do it under fifty if
I were a sawbones,’ ejaculated John.
‘And then Michael,’ continued
Morris, ‘is in the very thick of it. All his clients have come to
grief; his whole business is rotten eggs. If any man could arrange
it, he could; and depend upon it, he has his plan all straight; and
depend upon it, it’s a good one, for he’s clever, and be damned to
him! But I’m clever too; and I’m desperate. I lost seven thousand
eight hundred pounds when I was an orphan at school.’
‘O, don’t be tedious,’
interrupted John. ‘You’ve lost far more already trying to get it
back.’
CHAPTER II. In Which Morris takes
Action
Some days later, accordingly, the
three males of this depressing family
might have been observed (by a
reader of G. P. R. James) taking their departure from the East
Station of Bournemouth. The weather was raw and changeable, and
Joseph was arrayed in consequence according to the principles of
Sir Faraday Bond, a man no less strict (as is well known) on
costume than on diet. There are few polite invalids who have not
lived, or tried to live, by that punctilious physician’s orders.
‘Avoid tea, madam,’ the reader has doubtless heard him say, ‘avoid
tea, fried liver, antimonial wine, and bakers’ bread. Retire
nightly at 10.45; and clothe yourself (if you please) throughout in
hygienic flannel. Externally, the fur of the marten is indicated.
Do not forget to procure a pair of health boots at Messrs Dail and
Crumbie’s.’ And he has probably called you back, even after you
have paid your fee, to add with stentorian emphasis: ‘I had
forgotten one caution: avoid kippered sturgeon as you would the
very devil.’ The unfortunate Joseph was cut to the pattern of Sir
Faraday in every button; he was shod with the health boot; his suit
was of genuine ventilating cloth; his shirt of hygienic flannel, a
somewhat dingy fabric; and he was draped to the knees in the
inevitable greatcoat of marten’s fur. The very railway porters at
Bournemouth (which was a favourite station of the doctor’s) marked
the old gentleman for a creature of Sir Faraday. There was but one
evidence of personal taste, a vizarded forage cap; from this form
of headpiece, since he had fled from a dying jackal on the plains
of Ephesus, and weathered a bora in the Adriatic, nothing could
divorce our traveller.
The three Finsburys mounted into
their compartment, and fell immediately to quarrelling, a step
unseemly in itself and (in this case) highly unfortunate for
Morris. Had he lingered a moment longer by the window, this tale
need never have been written. For he might then have observed (as
the porters did not fail to do) the arrival of a second passenger
in the uniform of Sir Faraday Bond. But he had other matters on
hand, which he judged (God knows how erroneously) to be more
important.
‘I never heard of such a thing,’
he cried, resuming a discussion which had scarcely ceased all
morning. ‘The bill is not yours; it is mine.’
‘It is payable to me,’ returned
the old gentleman, with an air of bitter obstinacy. ‘I will do what
I please with my own property.’
The bill was one for eight
hundred pounds, which had been given him at breakfast to endorse,
and which he had simply pocketed.
‘Hear him, Johnny!’ cried Morris.
‘His property! the very clothes upon his back belong to me.’
‘Let him alone,’ said John. ‘I am
sick of both of you.’
‘That is no way to speak of your
uncle, sir,’ cried Joseph. ‘I will not endure
this disrespect. You are a pair
of exceedingly forward, impudent, and ignorant young men, and I
have quite made up my mind to put an end to the whole
business.’.
‘O skittles!’ said the graceful
John.
But Morris was not so easy in his
mind. This unusual act of insubordination had already troubled him;
and these mutinous words now sounded ominously in his ears. He
looked at the old gentleman uneasily. Upon one occasion, many years
before, when Joseph was delivering a lecture, the audience had
revolted in a body; finding their entertainer somewhat dry, they
had taken the question of amusement into their own hands; and the
lecturer (along with the board schoolmaster, the Baptist clergyman,
and a working- man’s candidate, who made up his bodyguard) was
ultimately driven from the scene. Morris had not been present on
that fatal day; if he had, he would have recognized a certain
fighting glitter in his uncle’s eye, and a certain chewing movement
of his lips, as old acquaintances. But even to the inexpert these
symptoms breathed of something dangerous.
‘Well, well,’ said Morris. ‘I
have no wish to bother you further till we get to London.’