"I don't know Messrs. Burton and Bangles," said Crosbie.

"That needn't stand in your way. You tell them where you come from, and they'll make inquiry. If they think it's about right, they'll give you the money; and if they don't, they won't."

Mr. Crosbie then left the office without exchanging another word with Dobbs Broughton, and went down into Hook Court. As he descended the stairs he turned over in his mind the propriety of going to Messrs Burton and Bangles with the view of relieving himself from his present difficulty. He knew that it was ruinous. Dealings even with such men as Dobbs Broughton and Musselboro, whom he presumed to be milder in their greed than Burton and Bangles, were, all of them, steps on the road to ruin. But what was he to do? If his bill were dishonoured, the fact would certainly become known at his office, and he might even ultimately be arrested. In the doorway at the bottom of the stairs he stood for some moments, looking over at Burton and Bangles', and he did not at all like the aspect of the establishment. Inside the office he could see a man standing with a cigar in his mouth, very resplendent with a new hat,—with a hat remarkable for the bold upward curve of its rim, and this man was copiously decorated with a chain and seals hanging about widely over his waistcoat. He was leaning with his back against the counter, and was talking to some one on the other side of it. There was something in the man's look and manner that was utterly repulsive to Crosbie. He was more vulgar to the eye even than Musselboro, and his voice, which Crosbie could hear as he stood in the other doorway, was almost as detestable as that of Dobbs Broughton in his drunkenness. Crosbie did not doubt that this was either Burton or Bangles, and that the man standing inside was either Bangles or Burton. He could not bring himself to accost these men and tell them of his necessities, and propose to them that they should relieve him. In spite of what Musselboro had just said to him, he could not believe it possible that he should succeed, were he to do so without some introduction. So he left Hook Court and went out into the lane, hearing as he went the loud voice of the man with the turned-up hat and the chain.

But what was he to do? At the outset of his pecuniary troubles, when he first found it necessary to litigate some question with the De Courcy people, and withstand the web which Mortimer Gazebee wove so assiduously, his own attorney had introduced him to Dobbs Broughton, and the assistance which he had needed had come to him, at any rate, without trouble. He did not especially like Mr. Broughton; and when Mr. Broughton first invited him to come and eat a little bit of dinner, he had told himself with painful remorse that in his early days he had been accustomed to eat his little bits of dinner with people of a different kind. But there had been nothing really painful in this. Since his marriage with a daughter of the De Courcys,—by which marriage he had intended to climb to the highest pinnacle of social eating and drinking,—he had gradually found himself to be falling in the scale of such matters, and could bring himself to dine with a Dobbs Broughton without any violent pain. But now he had fallen so low that Dobbs Broughton had insulted him, and he was in such distress that he did not know where to turn for ten pounds. Mr. Gazebee had beaten him at litigation, and his own lawyer had advised him that it would be foolish to try the matter further. In his marriage with the noble daughter of the De Courcys he had allowed the framers of the De Courcy settlement to tie him up in such a way that now, even when chance had done so much for him in freeing him from his wife, he was still bound to the De Courcy faction. Money had been paid away,—on his behalf, as alleged by Mr. Gazebee,—like running water; money for furniture, money for the lease of a house, money when he had been separated from his wife, money while she was living abroad. It had seemed to him that he had been made to pay for the entire support of the female moiety of the De Courcy family which had settled itself at Baden-Baden, from the day, and in some respects from before the day, on which his wife had joined that moiety. He had done all in his power to struggle against these payments, but every such struggle had only cost him more money. Mr. Gazebee had written to him the civilest notes; but every note seemed to cost him money,—every word of each note seemed to find its way into some bill. His wife had died and her body had been brought back, with all the pomp befitting the body of an earl's daughter, that it might be laid with the old De Courcy dust,—at his expense. The embalming of her dear remains had cost a wondrous sum, and was a terrible blow upon him. All these items were showered upon him by Mr. Gazebee with the most courteously worded demands for settlement as soon as convenient. And then, when he applied that Lady Alexandrina's small fortune should be made over to him,—according to a certain agreement under which he had made over all his possessions to his wife, should she have survived him,—Mr. Gazebee expressed a mild opinion that he was wrong in his law, and blandly recommended an amicable lawsuit. The amicable lawsuit was carried on. His own lawyer seemed to throw him over. Mr. Gazebee was successful in everything. No money came to him. Money was demanded from him on old scores and on new scores,—and all that he received to console him for what he had lost was a mourning ring with his wife's hair,—for which, with sundry other mourning rings, he had to pay,—and an introduction to Mr. Dobbs Broughton. To Mr. Dobbs Broughton he owed five hundred pounds; and as regarded a bill for the one-half of that sum which was due to-morrow, Mr. Dobbs Broughton had refused to grant him renewal for a single month!

I know no more uncomfortable walking than that which falls to the lot of men who go into the City to look for money, and who find none. Of all the lost steps trodden by men, surely the steps lost after that fashion are the most melancholy. It is not only that they are so vain, but that they are accompanied by so killing a sense of shame! To wait about in dingy rooms, which look on to bare walls, and are approached through some Hook Court; or to keep appointments at a low coffee-house, to which trystings the money-lender will not trouble himself to come unless it pleases him; to be civil, almost suppliant, to a cunning knave whom the borrower loathes; to be refused thrice, and then cheated with his eyes open on the fourth attempt; to submit himself to vulgarity of the foulest kind, and to have to seem to like it; to be badgered, reviled, and at last accused of want of honesty by the most fraudulent of mankind; and at the same time to be clearly conscious of the ruin that is coming,—this is the fate of him who goes into the City to find money, not knowing where it is to be found!

Crosbie went along the lane into Lombard Street, and then he stood still for a moment to think. Though he knew a good deal of affairs in general, he did not quite know what would happen to him if his bill should be dishonoured. That somebody would bring it to him noted, and require him instantly to put his hand into his pocket and bring out the amount of the bill, plus the amount of certain expenses, he thought that he did know. And he knew that were he in trade he would become a bankrupt; and he was well aware that such an occurrence would prove him to be insolvent. But he did not know what his creditors would immediately have the power of doing. That the fact of the bill having been dishonoured would reach the Board under which he served,—and, therefore, also the fact that he had had recourse to such bill transactions,—this alone was enough to fill him with dismay. In early life he had carried his head so high, he had been so much more than a mere Government clerk, that the idea of the coming disgrace almost killed him. Would it not be well that he should put an end to himself, and thus escape? What was there in the world now for which it was worth his while to live? Lily, whom he had once gained, and by that gain had placed himself high in all hopes of happiness and riches,—whom he had then thrown away from him, and who had again seemed to be almost within his reach,—Lily had so refused him that he knew not how to approach her with a further prayer. And, had she not refused him, how could he have told her of his load of debt? As he stood at the corner where the lane runs into Lombard Street, he came for a while to think almost more of Lily than of his rejected bill. Then, as he thought of both his misfortunes together, he asked himself whether a pistol would not conveniently put an end to them together.

At that moment a loud, harsh voice greeted his ear. "Hallo, Crosbie, what brings you so far east? One does not often see you in the City." It was the voice of Sir Raffle Buffle, which in former days had been very odious to Crosbie's ears;—for Sir Raffle Buffle had once been the presiding genius of the office to which Crosbie still belonged.

"No, indeed, not very often," said Crosbie, smiling. Who can tell, who has not felt it, the pain that goes to the forcing of such smiles? But Sir Raffle was not an acutely observant person, and did not see that anything was wrong.

"I suppose you're doing a little business?" said Sir Raffle. "If a man has kept a trifle of money by him, this certainly is the time for turning it. You have always been wide awake about such things."

"No, indeed," said Crosbie. If he could only make up his mind that he would shoot himself, would it not be a pleasant thing to inflict some condign punishment on this odious man before he left the world? But Crosbie knew that he was not going to shoot himself, and he knew also that he had no power of inflicting condign punishment on Sir Raffle Buffle. He could only hate the man, and curse him inwardly.