Algernon had turned back to the great thoroughfare. He was afraid that ten pounds must be forfeited to this worrying demon in the flesh, and sought the countenance of his well-dressed fellows to encourage him in resisting. He could think of no subterfuge; menace was clearly useless: and yet the idea of changeing one of the notes and for so infamous a creature, caused pangs that helped him further to endure his dogging feet and filthy tongue. This continued until he saw a woman's hand waving from a cab. Presuming that such a signal, objectionable as it was, must be addressed to himself, he considered whether he should lift his hat, or simply smile as a favoured, but not too deeply flattered, man. The cab drew up, and the woman said, "Sedgett." She was a well-looking woman, strongly coloured, brown-eyed, and hearty in appearance.

"What a brute you are, Sedgett, not to be at home when you brought me up to London with all the boxes and bedding—my goodness! It's a Providence I caught you in my eye, or I should have been driving down to the docks, and seeing about the ship. You are a brute. Come in, at once."

"If you're up to calling names, I've got one or two for you," Sedgett growled.

Algernon had heard enough. Sure that he had left Sedgett in hands not likely to relinquish him, he passed on with elastic step. Wine was greatly desired, after his torments. Where was credit to be had? True, he looked contemptuously on the blooming land of credit now, but an entry to it by one of the back doors would have been convenient, so that he might be nourished and restored by a benevolent dinner, while he kept his Thousand intact. However, he dismissed the contemplation of credit and its transient charms. "I won't dine at all," he said.

A beggar woman stretched out her hand—he dropped a shilling in it.

"Hang me, if I shall be able to," was his next reflection; and with the remaining three and sixpence, he crossed the threshold of a tobacconist's shop and bought cigars, to save himself from excesses in charity. After gravely reproaching the tobacconist for the growing costliness of cigars, he came into the air, feeling extraordinarily empty. Of this he soon understood the cause, and it amused him. Accustomed to the smell of tobacco always when he came from his dinner, it seemed, as the fumes of the shop took his nostril, that demands were being made within him by an inquisitive spirit, and dissatisfaction expressed at the vacancy there.

"What's the use? I can't dine," he uttered argumentatively. "I'm not going to change a note, and I won't dine. I've no Club. There's not a fellow I can see who'll ask me to dine. I'll lounge along home. There is some Sherry there."

But Algernon bore vividly in mind that he did not approve of that Sherry.

"I've heard of fellows frying sausages at home, and living on something like two shillings a day," he remarked in meditation; and then it struck him that Mrs. Lovell's parcel of returned jewels lay in one of his drawers at home—that is, if the laundress had left the parcel untouched.

In an agony of alarm, he called a cab, and drove hotly to the Temple. Finding the packet safe, he put a couple of rings and the necklace with the opal in his waistcoat pocket. The cabman must be paid, of course; so a jewel must be pawned. Which shall it be? diamond or opal? Change a dozen times and let it be the trinket in the right hand—the opal; let it be the opal. How much would the opal fetch? The pawnbroker can best inform us upon that point. So he drove to the pawnbroker; one whom he knew. The pawnbroker offered him five-and-twenty pounds on the security of the opal.