“As to engrossing,” said Mr Hobson, happy to hear at last a word with which he was familiar, “it's what I never approved myself. My maxim is this; if a man makes a fair penny, without any underhand dealings, why he has as much a title to enjoy his pleasure as the Chief Justice, or the Lord Chancellor: and it's odds but he's as happy as a greater man. Though what I hold to be best of all, is a clear conscience, with a neat income of 2 or 3000 a year. That's my notion; and I don't think it's a bad one.”

“Weak policy of short-sighted ignorance!” cried Albany, “to wish for what, if used, brings care, and if neglected, remorse! have you not now beyond what nature craves? why then still sigh for more?”

“Why?” cried Mr Briggs, who by dint of deep attention began now better to comprehend him, “why to buy in, to be sure! ever hear of stocks, eh? know any thing of money?”

“Still to make more and more,” cried Albany, “and wherefore? to spend in vice and idleness, or hoard in chearless misery! not to give succour to the wretched, not to support the falling; all is for self, however little wanted, all goes to added stores, or added luxury; no fellow-creature served, nor even one beggar relieved!”

“Glad of it!” cried Briggs, “glad of it; would not have 'em relieved; don't like 'em; hate a beggar; ought to be all whipt; live upon spunging.”

“Why as to a beggar, I must needs say,” cried Mr Hobson, “I am by no means an approver of that mode of proceeding; being I take 'em all for cheats: for what I say is this, what a man earns, he earns, and it's no man's business to enquire what he spends, for a free-born Englishman is his own master by the nature of the law, and as to his being a subject, why a duke is no more, nor a judge, nor the Lord High Chancellor, and the like of those; which makes it tantamount to nothing, being he is answerable to nobody by the right of Magna Charta: except in cases of treason, felony, and that. But as to a beggar, it's quite another thing; he comes and asks me for money; but what has he to shew for it? what does he bring me in exchange? why a long story that he i'n't worth a penny! what's that to me? nothing at all. Let every man have his own; that's my way of arguing.”

“Ungentle mortals!” cried Albany, “in wealth exulting; even in inhumanity! think you these wretched outcasts have less sensibility than yourselves? think you, in cold and hunger, they lose those feelings which even in voluptuous prosperity from time to time disturb you? you say they are all cheats? 'tis but the niggard cant of avarice, to lure away remorse from obduracy. Think you the naked wanderer begs from choice? give him your wealth and try.”

“Give him a whip!” cried Briggs, “sha'n't have a souse! send him to Bridewell! nothing but a pauper; hate 'em; hate 'em all! full of tricks; break their own legs, put out their arms, cut off their fingers, snap their own ancles,—all for what? to get at the chink! to chouse us of cash! ought to be well flogged; have 'em all sent to the Thames; worse than the Convicts.”

“Poor subterfuge of callous cruelty! you cheat yourselves, to shun the fraud of others! and yet, how better do you use the wealth so guarded? what nobler purpose can it answer to you, than even a chance to snatch some wretch from sinking? think less how much ye save, and more for what; and then consider how thy full coffers may hereafter make reparation, for the empty catalogue of thy virtues.”

“Anan!” said Mr Briggs, again lost in perplexity and wonder.