"'London dull!' he said, 'why, it's a paradise, a garden full of flowers, and I, like a bee, or rather a bumble-bee, have visited all of them.'

"And certainly no idle man could have a pleasanter companion than the Colonel. He was stimulating and enlivening, like the morning sunshine. His animal spirits and relish for life never flagged, and he was always ready, when the occasion turned up, to joke, to laugh, to eat, or to drink. Every day he had some novelty to offer. 'Now,' he would say, 'I'll give you a treat that you never had before;' and then he would drive me to a racecourse or some other resort of fashion, or he would take me to some famous old chop-house in the recesses of the city, or some new and gorgeous hotel in one of the fashionable thoroughfares; and, while we sat down to what he called, 'a nice little dinner,' he would introduce some new dish, or some new blend of whisky, or some new brand of wine; and while we discussed it he would smack his lips, rub his hands, and look at me as much as to say, 'Did I not tell you so?' His enjoyment of the pleasures of the great city never seemed to fail. The only thing, in fact, that ever failed with him was money. He sometimes had no change, or had forgotten his purse; but I was only too glad to pay his expenses in return for his company. I could not do without him. He had made life like a dream, a little feverish perhaps, but exceedingly pleasant.

"One night after the theatre, he took me to a house in the Haymarket, where, he said, we could sup cosily together. As soon as we had entered, to his great surprise, he found two old friends who had just arrived from the Continent. They were middle-aged, fashionably dressed, and well-mannered, and were introduced to me as Captain Spurr and Count Lago. At my invitation they joined us in a private room, where we supped on lobster and champagne, and all grew as sociable and as pleasant as you like. A game of whist was proposed, and the Colonel and I played against the other two for small stakes. We had astonishing luck, and won game after game; and at the end of several hours, rose the winners of a considerable sum of money. Of course, we continued the practice of meeting and playing there, and night after night the same results happened. The Colonel and I always won. Such a thing had never been known before. They all attributed it to me; and even the landlord and the waiters complimented me, and wondered that I did not back my luck sufficiently. This was pleasant so far; but I did not like the idea of winning so much money, and feared that we might completely clean out our opponents, and I frankly told the Colonel my feelings on the matter, and suggested that we should stop.

"'Stop!' he exclaimed, 'we can't stop; we must give them their revenge. Oh, don't be afraid that you'll beggar them; they have plenty of the needful.'

"So on we drove in our career of victory, until our winnings amounted to a large sum. Then fortune changed, and, strange to say, went on as steadily against us as it had done for us, until our opponents had not only regained all they had lost, but had won some of our money.

"While on our way home that night I said to the Colonel—'As our opponents have recouped themselves, we must now stop.'

"'Hang it!' said the Colonel, 'not just yet if you please. I can't afford to lose any money if you can. Let us adopt this method. We are so much money out of pocket. On our first game to-night, let us stake the double of that. If we lose, let us double it again; and let us go on doing this; and whenever the luck turns, and, hang it! you know, it must turn very soon, we shall, at one go, have won all our money back, and then we can cry quits.'

"This seemed a dangerous plan, but I felt that we must follow it. So on we went, night after night losing our games, and always piling up the money, till the stake had become something tremendous, and I became almost mad with excitement. To provide funds, I kept selling out my investments and lodging the money in a London bank; and to keep up my nerve I drank champagne incessantly—and then the crash came!

"I woke up one day with a head a mass of pain, a mouth as dry as a lime-kiln, and a confused memory of exciting scenes, to find myself in a bed in our nightly resort. On summoning the waiter, I learnt from him that I had been very tipsy, and that the Colonel and his friends had had some difficulty in managing me, and getting me to bed. I lost no time in going to the Golden Cross Hotel to see the Colonel, but to my horror I was told that the Colonel had left that morning with all his luggage. I understood now the hellish plot which had been devised for my ruin; but I thanked God that I had still ten thousand pounds in the bank. I hurried to the bank to make sure; but there I was met with the intelligence that a gentleman, that morning, had presented my cheque for the whole amount, and that all my money had been paid to him. I asked to see the cheque, thinking that it must have been forged; but no, there was my undoubted signature! I had been drugged, and while in a stupor made to sign my name; and my whole fortune was gone. The Colonel, who, it seems, was notorious as a most accomplished blackleg, was advertised for, but was never caught.

"I had now to give up my rooms in the hotel, and all my refined habits, take lodgings in a street near Drury Lane, and seek for some way of earning my bread. Surely, I thought, I can't starve: in this immense community there must be many thousands of vacant situations. But I did not take into account, that for every single vacancy there must be at least ten applicants. And I very soon found that the education which I had got at school and at the university, and which had cost so much, was practically useless. In fact, it was now the great stumbling-block in my way. It had not fitted me for the higher situations, for I could not even spell correctly; and it had unfitted me for the lower situations, for no one would engage an Oxford scholar for a menial office. I could not even compete with the ragged street boys in running on an errand, holding a horse, or sweeping a crossing. Their education, picked up amid the mud and jostle of the streets, had been far more practical and effective than mine. Instead, therefore, of living by my labour, I was obliged to subsist by pawning my valuables, and bit after bit of my finery, like the plumes of a moulting peacock, dropped from me, till I was left almost bare. Then I was obliged to give up my lodgings, and go out on the streets.