At the time appointed our hero made his appearance at the door, and, having given his name, was asked into the counting-house of the establishment, where sat Mr Small and his factotum, Mr Sleek. It may be as well here to describe the persons and peculiarities of these two gentlemen.

Mr Small certainly did not accord with his name, for he was a man full six feet high, and stout in proportion; he was in face extremely plain, with a turned-up nose; but, at the same time, there was a lurking good-humour in his countenance, and a twinkle in his eye, which immediately prepossessed you, and in a few minutes you forgot that he was not well-favoured. Mr Small was very fond of an argument and a joke, and he had such a forcible way of maintaining his argument when he happened to be near you, that, as Emma had told our hero, few people after a time ventured to contradict him. This mode of argument was nothing more than digging the hard knuckles of his large hand into the ribs of his opponent—we should rather say gradually gimleting, as it were, a hole in your side—as he heated in his illustrations. He was the last person in the world in his disposition to inflict pain, even upon an insect—and yet, from this habit, no one perhaps gave more, or appeared to do so with more malice, as his countenance was radiant with good-humour, at the very time when his knuckles were taking away your breath. What made it worse, was, that he had a knack of seizing the coat lappet with the other hand, so that escape was difficult; and when he had exhausted all his reasoning, he would follow it up with a pressure of his knuckles under the fifth rib, saying, “Now you feel the force of my argument, don’t you?” Everybody did, and no one would oppose him unless the table was between them. It was much the same with his jokes: he would utter them, and then with a loud laugh, and the insidious insertion of his knuckles, say, “Do you take that, eh?” Mr Sleek had also his peculiarity, and was not an agreeable person to argue with, for he had learnt to argue from his many years’ constant companionship with the head of the firm. Mr Sleek was a spare man, deeply pock-marked in the face, and with a very large mouth; and, when speaking, he sputtered to such a degree, that a quarter of an hour’s conversation with him was as good as a shower-bath. At long range Mr Sleek could heat his superior out of the field; but if Mr Small approached once to close quarters, Mr Sleek gave in immediately. The captains of the navy used to assert that this fibbing enforcement of his truths, on the part of Small, was quite contrary to all the rules of modern warfare, and never would stand it, unless they required an advance of money; and then, by submitting to a certain quantity of digs in the ribs in proportion to the unreasonableness of their demand, they usually obtained their object; as they said he “knuckled down” in the end. As for Mr Sleek, although the best man in the world, he was their abhorrence; he was nothing but a watering-pot, and they were not plants which required his aid to add to their vigour. Mr Sleek, even in the largest company, invariably found himself alone, and could never imagine why. Still he was an important personage; and when stock is to be got on board in a hurry, officers in his Majesty’s service do not care about a little spray.

Mr Small was, as we have observed, a navy agent—that is to say, he was a general provider of the officers and captains of his Majesty’s service. He obtained their agency on any captures which they might send in, or he cashed their bills, advanced them money, supplied them with their wine, and every variety of stock which might be required; and in consequence was reported to be accumulating a fortune. As is usually the case, he kept open house for the captains who were his clients, and occasionally invited the junior officers to the hospitalities of his table, so that Mrs Phillips and Emma were of great use to him, and had quite sufficient to do in superintending such an establishment. Having thus made our readers better acquainted with our new characters, we shall proceed.

“Well, young man, I’ve heard all about you from my sister. So you wish to leave off vagabondising, do you?”

“Yes, sir,” replied Joey.

“How old are you? can you keep books?”

“I am seventeen, and have kept books,” replied our hero, in innocence; for he considered Mrs Chopper’s day-books to come under that denomination.

“And you have some money—how much?”

Joey replied that he had so much of his own, and that his sister had so much more.

“Seven hundred pounds; eh, youngster? I began business with 100 pounds less; and here I am. Money breeds money; do you understand that?” and here Joey received a knuckle in his ribs, which almost took his breath away, but which he bore without flinching, as he presumed it was a mark of good will.