On a basis of assumptions such as these, there was every possibility of profitable commerce without any approach to technical fraud.

By means of the familiar ‘goose-club,’ licensed victuallers make themselves the bankers of people who are too weak-minded to save their own money until they wish to spend it, and who are quite content to receive in ultimate return goods worth something less than half the deposit. By means of the familiar teapot, grocers persuade their customers that an excellent trade can be done by giving away the whole profit on each transaction. Beatrice French, an observant young woman, with a head for figures, had often noted and reflected upon these two egregious illustrations of human absurdity. Her dressmaking enterprise assimilated the features of both, and added novel devices that sprang from her own fruitful brain. The ‘Fashion Club,’ a wheel within a wheel, was merely the goose-club; strictly a goose-club, for the licensed victualler addresses himself to the male of the species. The larger net, cast for those who lacked money or a spirit of speculation, caught all who, in the realm of grocery, are lured by the teapot. Every sovereign spent with the Association carried a bonus, paid not in cash but in kind. These startling advantages were made known through the medium of hand-bills, leaflets, nicely printed little pamphlets, gorgeously designed placards; the publicity department, being in the hands of Mr. Luckworth Crewe, of Farringdon Street, was most ably and vigorously conducted.

Thanks also to Luckworth Crewe, Beatrice had allied herself with partners, who brought to the affair capital, experience, and activity. Before Christmas—an important point—the scene of operations was ready: a handsome shop, with the new and attractive appendages (so-called ‘club-room,’ refreshment-bar, &c.) which Crewe and Beatrice had visioned in their prophetic minds. Before the close of the year substantial business had been done, and 1888 opened with exhilarating prospects.

The ineptitude of uneducated English women in all that relates to their attire is a fact that it boots not to enlarge upon. Beatrice French could not be regarded as an exception; for though she recognised monstrosities, she very reasonably distrusted her own taste in the choice of a garment. For her sisters, monstrosities had a distinct charm, and to this class of women belonged all customers of the Association who pretended to think for themselves as to wherewithal they should be clothed. But women in general came to the shop with confessed blankness of mind; beyond the desire to buy something that was modish, and to pay for it in a minus quantity, they knew, felt, thought nothing whatever. Green or violet, cerulean or magenta, all was one to them. In the matter of shape they sought merely a confident assurance from articulate man or woman—themselves being somewhat less articulate than jay or jackdaw—that this or that was ‘the feature of the season.’ They could not distinguish between a becoming garment and one that called for the consuming fires of Heaven. It is often assumed as a commonplace that women, whatever else they cannot do, may be trusted to make up their minds about habiliments. Nothing more false, as Beatrice French was abundantly aware. A very large proportion of the servant-keeping females in Brixton, Camberwell, and Peckham could not, with any confidence, buy a chemise or a pair of stockings; and when it came to garments visible, they were lost indeed.

Fanny French began to regret that she had not realised her capital, and put it into the Association. Wishing at length to do so, she met with a scornful rebuff. Beatrice would have none of her money, but told her she might use the shop like any other customer, which of course Fanny did.

Mrs. Peachey, meanwhile, kept declaring to both her sisters that they must not expect to live henceforth in De Crespigny Park on the old nominal terms. Beatrice was on the way to wealth; Fanny moved in West End society, under the chaperonage of a rich woman; they ought to be ashamed of themselves for not volunteering handsome recognition of the benefits they had received beneath their sister’s roof. But neither Beatrice nor Fanny appeared to see the matter in this light. The truth was, that they both had in view a change of domicile. The elder desired more comfort and more independence than De Crespigny Park could afford her; the younger desired a great many things, and flattered herself that a very simple step would put her in possession of them.

The master of the house no longer took any interest in the fortunes of his sisters-in-law. He would not bid them depart, he would not bid them stay, least of all would he demand money from them. Of money he had no need, and he was the hapless possessor of a characteristic not to be found in any other member of his household—natural delicacy.

Arthur Peachey lived only for his child, the little boy, whose newly prattling tongue made the sole welcome he expected or cared for on his return from a hard day’s work. Happily the child had good health, but he never left home without dread of perils that might befall it in his absence. On the mother he counted not at all; a good-tempered cow might with more confidence have been set to watch over the little one’s safety. The nurse-girl Emma, retained in spite of her mistress’s malice, still seemed to discharge her duties faithfully; but, being mortal, she demanded intervals of leisure from time to time, and at such seasons, as Peachey too well knew, the child was uncared for. Had his heart been resolute as it was tender, he would long ago have carried out a project which haunted him at every moment of anger or fear. In the town of Canterbury lived a sister of his who for several years had been happily wedded, but remained childless. If the worst came to the worst, if his wife compelled him to the breaking-up of a home which was no home, this married sister would gladly take the little boy into her motherly care. He had never dared to propose the step; but Ada might perchance give ready assent to it, even now. For motherhood she had no single qualification but the physical. Before her child’s coming into the world, she snarled at the restraints it imposed upon her; at its birth, she clamoured against nature for the pains she had to undergo, and hated her husband because he was the intermediate cause of them. The helpless infant gave her no pleasure, touched no emotion in her heart, save when she saw it in the nurse’s care, and received female compliments upon its beauty. She rejected it at night because it broke her sleep; in the day, because she could not handle it without making it cry. When Peachey remonstrated with her, she stared in insolent surprise, and wished that he had had to suffer all her hardships of the past year.

Peachey could not be said to have any leisure. On returning from business he was involved forthwith in domestic troubles and broils, which consumed the dreary evening, and invaded even his sleep. Thus it happened that at long intervals he was tempted, instead of going home to dinner, to spend a couple of hours at a certain small eating-house, a resort of his bachelor days, where he could read the newspapers, have a well-cooked chop in quietude, and afterwards, if acquaintances were here, play a game of chess. Of course he had to shield this modest dissipation with a flat falsehood, alleging to his wife that business had kept him late. Thus on an evening of June, when the soft air and the mellow sunlight overcame him with a longing for rest, he despatched a telegram to De Crespigny Park, and strolled quietly about the streets until the hour and his appetite pointed him tablewards. The pity of it was that he could not dismiss anxieties; he loathed the coward falsehood, and thought more of home than of his present freedom. But at least Ada’s tongue was silent.

He seated himself in the familiar corner, and turned over illustrated papers, whilst his chop hissed on the grid. Ah, if he were but unmarried, what a life he might make for himself now that the day’s labour brought its ample reward! He would have rooms in London, and a still, clean lodging somewhere among the lanes and fields. His ideals expressed the homeliness of the man. On intellect he could not pride himself; his education had been but of the ‘commercial’ order; he liked to meditate rather than to read; questions of the day concerned him not at all. A weak man, but of clean and kindly instincts. In mercantile life he had succeeded by virtue of his intensely methodical habits—the characteristic which made him suffer so from his wife’s indolence, incapacity, and vicious ill-humour.