Speakers and listeners strolled away, and mixed with other groups. Scrooge knew the men, and looked towards the Spirit for an explanation.

The Phantom glided on into a street. Its finger pointed to two persons meeting. Scrooge listened again, thinking that the explanation might lie here.

He knew these men, also, perfectly. They were men

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of business: very wealthy, and of great importance. He had made a point always of standing well in their esteem: in a business point of view, that is; strictly in a business point of view.

"How are you?" said one.

"How are you?" returned the other.

"Well!" said the first. "Old Scratch has got his own at last, hey?"

"So I am told," returned the second. "Cold, isn't it?"