"For a time all went merrily. We were both well-favoured by Nature—perhaps I may be allowed to speak thus of myself when life is closing in—and fortune seemed to have been equally considerate. It was, however, too good to last. As I have said, I was not born under a lucky star. All through life I have just missed great opportunities. Even as a child I can remember that the ripe apples never fell to my share. If we drew lots for anything I was always next the winning number and might as well have drawn the lowest. My father, who really ought to have left me something in the way of patrimony, left me only his blessing.

"Well, señor, my wife, I repeat, was young and handsome. She was fond of gaiety, and having the entrée to a very fine society, her taste for pleasure was easily gratified. She became extravagant, and gradually fell into a state of nervous excitement which required constant dissipation. I was often away from home with my vessel, but not for long absences. They were, however, sufficiently frequent to render me careless and unsuspicious as to the true state of our finances. When I really learned this, it was too late. We were ruined. And not only ruined, but overwhelmed in debt.

"In the first moment of horror I bitterly upbraided my wife. She, poor thing, took her misfortunes and my anger so much to heart that she fell into a consumption, and died in less than a year. I was so affected by my troubles—more, I believe, for the loss of my wife, whom I really loved, than for the loss of my income—that I fell for a time into a despondent frame of mind. I had felt compelled to retire from my profession—a man in a state of debt and bankruptcy had no right to be holding a royal commission—and my enforced idleness did not help to mend matters. At length life, health, and youth—I was not yet thirty—asserted themselves. Melancholy flew away; energy, a wish to be up and doing something, returned.

"I looked around me. The prospect was a sad one. There was nothing to be done. No one wanted me.

"At length fortune, tired of frowning upon me, smiled awhile. I fell in with an old friend of my father's, a wealthy coffee-planter in Ceylon. He had come over for a holiday to his native country. For the father's sake, for the sake of old times and the days of his youth, he was kind to the son. He sympathised with my sorrows, which were not of my own making. About to return to Ceylon, he offered me a certain partnership in his business, promising greater things if I remained.

"How thankfully I turned my back upon Spain, the land of all my misfortunes, I could never say. I began a new and prosperous life in a new country. In course of time my old friend died, and I became senior partner in a flourishing concern. For twenty-five years I remained out in Ceylon. I had made a considerable fortune, and you will think that I had probably married again. No, señor. I gave up my life to work, and would not a second time tempt fate.

"At last, after an absence of a quarter of a century, a feeling crept over me that had every symptom of mal du pays. As this increased, I realised my possessions and returned to my own country, a rich man. But, alas! youth had fled. Wealth did not now mean for me what it had meant at five-and-twenty. The first thing I did was to pay up all my debts with interest, and to stand a free, honourable and honoured man. What surprised me most was the comparative smallness of the sum which in the hour of our misfortunes I had thought so formidable.

"And now, señor, do you think that I could let well alone: or, rather, that fortune could still turn to me a smiling face? It seemed as though the land of my birth—my mother country—was to bring me nothing but sorrow. In searching to place my capital, and remembering that you should not have all your eggs in one basket, I invested some of it in certain bank shares. It was a flourishing concern, paying a steady nine per cent. That it should be unlimited was a matter of no importance. So prosperous a company could never fail. Yet, señor, in less than a year, fail it did for an amount which swept away every penny of my fortune, and left me stranded high and dry on the shores of adversity.

"This time my ruin was more complete than before, for I was getting old and could not begin life afresh. Yet—perhaps for that very reason—I felt it less, and bore it philosophically. I had brought no one down in my reverses. There was no one to upbraid me, and more than ever I felt thankful that I had never married again. I obtained a situation in the Post Office of a light description, which would just enable me to live. Three years ago, a small windfall came to me: a sum of money that, safely invested, assures me comfortable bread and cheese for the remainder of my days. No more flourishing banks with unlimited liabilities. And now here I am, in daily charge of the mail-bags between Monistrol and Montserrat. A humble office you will say, but not ignoble. After the free life of Ceylon, with all its magnificent scenery, I felt it impossible to live shut up in a town, and especially requested this post might be given me. In the midst of this wild grandeur, which really somehow reminds me of parts of Ceylon, I am happy and contented. Bricks and mortar are my abomination; they weigh upon one's soul and crush out one's vital power. I love to breathe the morning air with the lark. At best I can live but a few years more, and I will not spend them in regretting the past. On the whole, I consider that I am rather to be envied than pitied. That I am no longer obliged to work for my bread gives an additional zest to my occupation.—We are approaching Montserrat. Is it not a sublime scene?"

It was indeed nothing less. We rose above the vast magnificent valley, until at last it looked dream-like and intangible. We seemed to overhang bottomless precipices. On a plateau of the great mountain reposed the monastery and its dependencies. Luxuriant gardens flourished, paradise of the monks—a strange contrast of barren rocks and rich verdure. Here dwelt a wonderful little world of its own, never deserted even in winter, and in summer crowded with people who spend hours, days, weeks breathing the mountain air, living a life of absolute freedom from all restraint.