"You can have any amount of hose you want, out of Cannon Street," said Mr. Robinson, "in forty-five minutes. They can be brought in at the back while you are selling them over the counter."

"Can they?" said Mr. Brown: "perhaps they can. But nevertheless, George, I think I'll buy a few. It'll be an ease to my mind."

He did so; but it was a suicidal act on his part. One thing was quite clear, even to Mr. Jones. If the firm commenced business to the extent which they contemplated, it was out of the question that they should do everything on the ready-money principle. That such a principle is antiquated, absurd, and uncommercial; that it is opposed to the whole system of trade as now adopted in this metropolis, has been clearly shown in the preface to these memoirs. But in this instance, in the case of Brown, Jones, and Robinson, the doing so was as impracticable as it would have been foolish, if practicable. Credit and credit only was required. But of all modes of extinguishing credit, of crushing, as it were, the young baby in its cradle, there is none equal to that of spending a little ready money, and then halting. In trade as in love, to doubt,—or rather, to seem to doubt,—is to be lost. When you order goods, do so as though the bank were at your back. Look your victim full in the face, and write down your long numbers without a falter in your pen. And should there seem a hesitation on his part, do not affect to understand it. When the articles are secured, you give your bill at six months' date; then your credit at your bankers,—your discount system,—commences. That is another affair. When once your bank begins that with you,—and the banks must do so, or they may put up their shutters,—when once your bank has commenced, it must carry on the game. You are floated then, placed well in the centre of the full stream of commerce, and it must be your own fault if you do not either retire with half a million, or become bankrupt with an éclat, which is worth more than any capital in refitting you for a further attempt. In the meantime it need hardly be said that you yourself are living on the very fat of the land.

But birds of a feather should flock together, and Mr. Brown and Mr. Robinson were not exactly of the same plumage.

It was finally arranged that Mr. Robinson should have carte blanche at his own particular line of business, to the extent of fifteen hundred pounds, and that Mr. Brown should go into the warehouse and lay out a similar sum in goods. Both Jones and Mrs. Jones accompanied the old man, and a sore time he had of it. It may here be remarked that Mrs. Jones struggled very hard to get a footing in the shop, but on this point it should be acknowledged that her husband did his duty for a while.

"It must be you or I, Sarah Jane," said he; "but not both."

"I have no objection in life," said she; "you can stay at home, if you please."

"By no means," he replied. "If you come here, and your father permits it, I shall go to America. Of course the firm will allow me for my share." She tried it on very often after that, and gave the firm much trouble, but I don't think she got her hand into the cash drawer above once or twice during the first twelve months.

The division of labour was finally arranged as follows. Mr. Brown was to order the goods; to hire the young men and women, look after their morality, and pay them their wages; to listen to any special applications when a desire might be expressed to see the firm; and to do the heavy respectable parental business. There was a little back room with a sky-light, in which he was to sit; and when he was properly got up, his manner of shaking his head at the young people who misbehaved themselves, was not ineffective. There is always danger when young men and women are employed together in the same shop, and if possible this should be avoided. It is not in human nature that they should not fall in love, or at any rate amuse themselves with ordinary flirtations. Now the rule is that not a word shall be spoken that does not refer to business. "Miss O'Brien, where is the salmon-coloured sarsenet? or, Mr. Green, I'll trouble you for the ladies' sevens." Nothing is ever spoken beyond that. "Morals, morals, above everything!" Mr. Brown was once heard to shout from his little room, when a whisper had been going round the shop as to a concerted visit to the Crystal Palace. Why a visit to the Crystal Palace should be immoral, when talked of over the counter, Mr. Brown did not explain on that occasion.

"A very nice set of young women," the compiler of these memoirs once remarked to a commercial gentleman in a large way, who was showing him over his business, "and for the most part very good-looking."