M'Ruen took the bit of paper, and twisted it over and over again in his hand, considering the while whether he had yet squeezed out of the young man all that could be squeezed with safety, or whether by an additional turn, by giving him another small advancement, he might yet get something more. He knew that Tudor was in a very bad state, that he was tottering on the outside edge of the precipice; but he also knew that he had friends. Would his friends when they came forward to assist their young Pickle out of the mire, would they pay such bills as these or would they leave poor Jabesh to get his remedy at law? That was the question which Mr. M'Ruen had to ask and to answer. He was not one of those noble vultures who fly at large game, and who are willing to run considerable risk in pursuit of their prey. Mr. M'Ruen avoided courts of law as much as he could, and preferred a small safe trade; one in which the fall of a single customer could never be ruinous to him; in which he need run no risk of being transported for forgery, incarcerated for perjury, or even, if possibly it might be avoided, gibbeted by some lawyer or judge for his malpractices.

'But you are so unpunctual,' he said, having at last made up his mind that he had made a very good thing of Charley, and that probably he might go a little further without much danger. 'I wish to oblige you, Mr. Tudor; but pray do be punctual;' and so saying he slowly spread the little document before him, across which Scatterall had already scrawled his name, and slowly began to write in the date. Slowly, with his head low down over the table, and continually twisting it inside his cravat, he filled up the paper, and then looking at it with the air of a connoisseur in such matters, he gave it to Charley to sign.

'But you haven't put in the amount,' said Charley.

Mr. M'Ruen twisted his head and laughed. He delighted in playing with his game as a fisherman does with a salmon. 'Well—no—I haven't put in the amount yet. Do you sign it, and I'll do that at once.'

'I'll do it,' said Charley; 'I'll say £15, and you'll give me £10 on that.'

'No, no, no!' said Jabesh, covering the paper over with his hands; 'you young men know nothing of filling bills; just sign it, Mr. Tudor, and I'll do the rest.' And so Charley signed it, and then M'Ruen, again taking the pen, wrote in 'fifteen pounds' as the recognized amount of the value of the document. He also took out his pocket-book and filled a cheque, but he was very careful that Charley should not see the amount there written. 'And now,' said he, 'we will go to the bank.'

As they made their way to the house in Lombard Street which Mr. M'Ruen honoured by his account, Charley insisted on knowing how much he was to have for the bill. Jabesh suggested £3 10s.; Charley swore he would take nothing less than £8; but by the time they had arrived at the bank, it had been settled that £5 was to be paid in cash, and that Charley was to have the three Seasons for the balance whenever he chose to send for them. When Charley, as he did at first, positively refused to accede to these terms, Mr. M'Ruen tendered him back the bill, and reminded him with a plaintive voice that he was so unpunctual, so extremely unpunctual.

Having reached the bank, which the money-lender insisted on Charley entering with him, Mr. M'Ruen gave the cheque across the counter, and wrote on the back of it the form in which he would take the money, whereupon a note and five sovereigns were handed to him. The cheque was for £15, and was payable to C. Tudor, Esq., so that proof might be forthcoming at a future time, if necessary, that he had given to his customer full value for the bill. Then in the outer hall of the bank, unseen by the clerks, he put, one after another, slowly and unwillingly, four sovereigns into Charley's hand.

'The other—where's the other?' said Charley.

Jabesh smiled sweetly and twisted his head.