"Yes," resumed the Colonel, "it is the old story. One always begins by being security to a friend. The discredit of the thing is familiarised to one's mind by the false show of generous confidence in another. Their what you have done for a friend, a friend should do for you;—a hundred or two would be useful now—you are sure to repay it in three months. To Youth the Future seems safe as the Bank of England, and distant as the peaks of Himalaya. You pledge your honour that in three months you will release your friend. The three months expire. To release the one friend, you catch hold of another—the bill is renewed, premium and interest thrown into the next pay-day—soon the account multiplies, and with it the honour dwindles—your NAME circulates from hand to hand on the back of doubtful paper—your name, which, in all money transactions, should grow higher and higher each year you live, falling down every month like the shares in a swindling speculation. You begin by what you call trusting a friend, that is, aiding him to self-destruction—buying him arsenic to clear his complexion—you end by dragging all near you into your own abyss, as a drowning man would clutch at his own brother. Lionel Haughton, the saddest expression I ever saw in your father's face was when—when—but you shall hear the story—"
"No, sir; spare me. Since you so insist on it, I will give the promise— it is enough; and my father—"
"Was as honourable as you when he first signed his name to a friend's bill; and, perhaps, promised to do so no more as reluctantly as you do. You had better let me say on; if I stop now, you will forget all about it by this day twelve-month; if I go on, you will never forget. There are other examples besides your father; I am about to name one."
Lionel resigned himself to the operation, throwing his handkerchief over his face as if he had taken chloroform. "When I was young," resumed the Colonel, "I chanced to make acquaintance with a man of infinite whim and humour; fascinating as Darrell himself, though in a very different way. We called him Willy—you know the kind of man one calls by his Christian name, cordially abbreviated—that kind of man seems never to be quite grown up; and, therefore, never rises in life. I never knew a man called Willy after the age of thirty, who did not come to a melancholy end! Willy was the natural son of a rich, helter-skelter, cleverish, maddish, stylish, raffish, four-in-hand Baronet, by a celebrated French actress. The title is extinct now, and so, I believe, is that genus of stylish, raffish, four-in-hand Baronet—Sir Julian Losely—"
"Losely!" echoed Lionel. "Yes; do you know the name?"
"I never heard it till yesterday. I want to tell you what I did hear then—but after your story—go on."
"Sir Julian Losely (Willy's father) lived with the French lady as his wife, and reared Willy in his house, with as much pride and fondness as if he intended him for his heir. The poor boy, I suspect, got but little regular education; though of course, he spoke his French mother's tongue like a native; and, thanks also perhaps to his mother, he had an extraordinary talent for mimicry and acting. His father was passionately fond of private theatricals, and Willy had early practice in that line. I once saw him act Falstaff in a country house, and I doubt if Quin could have acted it better. Well, when Willy was still a mere boy, he lost his mother, the actress. Sir Julian married—had a legitimate daughter—died intestate—and the daughter, of course, had the personal property, which was not much; the heir-at-law got the land, and poor Willy nothing. But Willy was an universal favourite with his father's old friends—wild fellows like Sir Julian himself amongst them there were two cousins, with large country-houses, sporting-men, and bachelors. They shared Willy between them, and quarrelled which should have the most of him. So he grew up to be man, with no settled provision, but always welcome, not only to the two cousins, but at every house in which, like Milton's lark, 'he came to startle the dull night'—the most amusing companion!— a famous shot—a capital horseman—knew the ways of all animals, fishes, and birds; I verily believe he could have coaxed a pug-dog to point, and an owl to sing. Void of all malice, up to all fun. Imagine how much people would court, and how little they would do for, a Willy of that sort. Do I bore you?"
"On the contrary, I am greatly interested."
"One thing a Willy, if a Willy could be wise, ought to do for himself— keep single. A wedded Willy is in a false position. My Willy wedded— for love too—an amiable girl, I believe (I never saw her; it was long afterwards that I knew Willy)—but as poor as himself. The friends and relatives then said: 'This is serious: something—must be done for Willy.' It was easy to say, 'something must be done,' and monstrous difficult to do it. While the relations were consulting, his half- sister, the Baronet's lawful daughter, died, unmarried; and though she had ignored him in life, left him L2,000. 'I have hit it now, 'cried one of the cousins; 'Willy is fond of a country life. I will let him have a farm on a nominal rent, his L2,000 will stock it; and his farm, which is surrounded by woods, will be a capital hunting-meet. As long as I live, Willy shall be mounted.'
"Willy took the farm, and astonished his friends by attending to it. It was just beginning to answer when his wife died, leaving him only one child—a boy; and her death made him so melancholy that he could no longer attend to his farm. He threw it up, invested the proceeds as a capital, and lived on the interest as a gentleman at large. He travelled over Europe for some time—chiefly on foot—came back, having recovered his spirits—resumed his old desultory purposeless life at different country-houses, and at one of those houses I and Charles Haughton met him. Here I pause, to state that Willy Losely at that time impressed me with the idea that he was a thoroughly honest man. Though he was certainly no formalist—though he had lived with wild sets of convivial scapegraces—though, out of sheer high spirits, he would now and then make conventional Proprieties laugh at their own long faces; yet, I should have said that Bayard himself—and Bayard was no saint—could not have been more incapable of a disloyal, rascally, shabby action. Nay, in the plain matter of integrity, his ideas might be called refined, almost Quixotic. If asked to give or to lend, Willy's hand was in his pocket in an instant; but though thrown among rich men—careless as himself—Willy never put his hand into their pockets, never borrowed, never owed. He would accept hospitality—make frank use of your table, your horses, your dogs—but your money, no! He repaid all he took from a host by rendering himself the pleasantest guest that host ever entertained. Poor Willy! I think I see his quaint smile brimming over with sly sport! The sound of his voice was like a cry of 'o-half-holiday' in a schoolroom. He dishonest! I should as soon have suspected the noonday sun of being a dark lantern! I remember, when he and I were walking home from wild-duck shooting in advance of our companions, a short conversation between us that touched me greatly, for it showed that, under all his levity, there were sound sense and right feeling. I asked him about his son, then a boy at school: 'Why, as it was the Christmas vacation, he had refused our host's suggestion to let the lad come down there?' 'Ah,' said he, 'don't fancy that I will lead my son to grow up a scatterbrained good-for-nought like his father. His society is the joy of my life; whenever I have enough in my pockets to afford myself that joy, I go and hire a quiet lodging close by his school, to have him with me from Saturday till Monday all to myself—where he never hears wild fellows call me "Willy," and ask me to mimic. I had hoped to have spent this vacation with him in that way, but his school bill was higher than usual, and after paying it, I had not a guinea to spare—obliged to come here where they lodge and feed me for nothing; the boy's uncle on the mother's side—respectable man in business—kindly takes him home for the holidays; but did not ask me, because his wife—and I don't blame her—thinks I'm too wild for a City clerk's sober household.'