"Did he give his name?"

"He did not, sir; but I know it's about money. I know the ways of them so well. I've seen this one's face before somewhere."

"You had better show him up," said Phineas. He knew well the business on which the man was come. The man wanted money for that bill which Laurence Fitzgibbon had sent afloat, and which Phineas had endorsed. Phineas had never as yet fallen so deeply into troubles of money as to make it necessary that he need refuse himself to any callers on that score, and he did not choose to do so now. Nevertheless he most heartily wished that he had left his lodgings for the club before the man had come. This was not the first he had heard of the bill being overdue and unpaid. The bill had been brought to him noted a month since, and then he had simply told the youth who brought it that he would see Mr. Fitzgibbon and have the matter settled. He had spoken to his friend Laurence, and Laurence had simply assured him that all should be made right in two days,—or, at furthest, by the end of a week. Since that time he had observed that his friend had been somewhat shy of speaking to him when no others were with them. Phineas would not have alluded to the bill had he and Laurence been alone together; but he had been quick enough to guess from his friend's manner that the matter was not settled. Now, no doubt, serious trouble was about to commence.

The visitor was a little man with grey hair and a white cravat, some sixty years of age, dressed in black, with a very decent hat,—which, on entering the room, he at once put down on the nearest chair,—with reference to whom, any judge on the subject would have concurred at first sight in the decision pronounced by Mrs. Bunce, though none but a judge very well used to sift the causes of his own conclusions could have given the reasons for that early decision. "He ain't a gentleman," Mrs. Bunce had said. And the man certainly was not a gentleman. The old man in the white cravat was very neatly dressed, and carried himself without any of that humility which betrays one class of uncertified aspirants to gentility, or of that assumed arrogance which is at once fatal to another class. But, nevertheless, Mrs. Bunce had seen at a glance that he was not a gentleman,—had seen, moreover, that such a man could have come only upon one mission. She was right there too. This visitor had come about money.

"About this bill, Mr. Finn," said the visitor, proceeding to take out of his breast coat-pocket a rather large leathern case, as he advanced up towards the fire. "My name is Clarkson, Mr. Finn. If I may venture so far, I'll take a chair."

"Certainly, Mr. Clarkson," said Phineas, getting up and pointing to a seat.

"Thankye, Mr. Finn, thankye. We shall be more comfortable doing business sitting, shan't we?" Whereupon the horrid little man drew himself close in to the fire, and spreading out his leathern case upon his knees, began to turn over one suspicious bit of paper after another, as though he were uncertain in what part of his portfolio lay this identical bit which he was seeking. He seemed to be quite at home, and to feel that there was no ground whatever for hurry in such comfortable quarters. Phineas hated him at once,—with a hatred altogether unconnected with the difficulty which his friend Fitzgibbon had brought upon him.

"Here it is," said Mr. Clarkson at last. "Oh, dear me, dear me! the third of November, and here we are in March! I didn't think it was so bad as this;—I didn't indeed. This is very bad,—very bad! And for Parliament gents, too, who should be more punctual than anybody, because of the privilege. Shouldn't they now, Mr. Finn?"

"All men should be punctual, I suppose," said Phineas.

"Of course they should; of course they should. I always say to my gents, 'Be punctual, and I'll do anything for you.' But, perhaps, Mr. Finn, you can hand me a cheque for this amount, and then you and I will begin square."