This was true, and not knowing what to say, I was silent.

“And that which I may be able to do for you in future must depend as much upon yourself as upon me. In the first place, before I can give any advice, I must know what you are worth in the world?”

My worth in money, I told him, with a forced smile, was but very trifling indeed. With some hesitation, I named the sum.

“And you have a wife and child to support!” said he, shaking his head. “And your child is too young and your wife too delicate to work. They will be sad burdens upon your hands; these are not the things for America. Why did you bring them with you? But, as that is done, and cannot be mended,” continued he, “we must make the best of it, and support them. You say you are ignorant of the country. I must explain to you then how money is to be made here, and by whom. The class of labourers make money readily, if they are industrious, because they have high wages and constant employment; artificers and mechanics, carpenters, shipwrights, wheelwrights, smiths, brick-layers, masons, get rich here, without difficulty, from the same causes; but all these things are out of the question for you. You have head, not hands, I perceive. Now mere head, in the line of bookmaking or bookselling, brings in but poor profit in this country. The sale for imported books is extensive; and our printers are doing something by subscription here, in Philadelphia, and in New York, they tell me. But London is the place for a good bookseller to thrive; and you come from London, where you tell me you were a bankrupt. I would not advise you to have any thing more to do with bookselling or bookmaking. Then, as to becoming a planter: our planters, if they are skilful and laborious, thrive well; but you have not capital sufficient to clear land and build a house; or hire servants to do the work, for which you are not yourself sufficiently robust. Besides, I do not imagine you know much of agricultural concerns, or country business; and even to oversee and guide others, experience is necessary. The life of a back settler I do not advise, because you and your wife are not equal to it. You are not accustomed to live in a log-house, or to feed upon racoons and squirrels: not to omit the constant dread, if not imminent danger, of being burnt in your beds, or scalped, by the Indians with whom you would be surrounded. Upon the whole, I see no line of life that promises well for you but that of a merchant; and I see no means of your getting into this line without property and without credit, except by going into some established house as a clerk. You are a good penman, and ready accountant, I think you tell me; and I presume you have a sufficient knowledge of book-keeping. With sobriety, diligence, and honesty, you may do well in this way; and may look forward to being a partner, and in a lucrative situation, some years hence. This is the way I managed, and I raised myself by degrees to what you see. It is true, I was not at first encumbered with a wife and young child. In due time I married my master’s daughter, which was a great furtherance to me; but then, on the other hand, your wife is my relation; and to be married to the relation of a rich merchant is next best to not being married at all in your situation. I told you I thought it my duty to proffer assistance as well as advice: so take up your abode with me for a fortnight; in that time I shall be able to judge whether you are capable of being a clerk; and, if you and I should suit, we will talk farther. You understand that I enter into no engagement, and make no promise; but shall be glad to lodge you, and your wife, and little boy, for a fortnight; and it will be your own fault, and must be your own loss, if the visit turns out waste of time.—I cannot stay to talk to you any longer at present,” added he, pulling out his watch, “for I have business, and business waits for no man. Go back to your inn for my relation, and her little one. We dine at two precisely.”

I left Mr. Croft’s house with a vague indescribable feeling of dissatisfaction and disappointment; but when I arrived at my inn, and repeated all that had passed to my wife, she seemed quite surprised and delighted by the civil and friendly manner in which this gentleman had behaved. She tried to reason the matter with me; but there is no reasoning with imagination.

The fact was, Mr. Croft had destroyed certain vague and visionary ideas, that I had indulged, of making, by some unknown means, a rapid fortune in America; and to be reduced to real life, and sink into a clerk in a merchant’s counting-house, was mortification and misery. Lucy in vain dwelt upon the advantage of having found, immediately upon my arrival in Philadelphia, a certain mode of employment, and a probability of rising to be a partner in one of the first mercantile houses, if I went on steadily for a few years. I was forced to acknowledge that her relation was very good; that I was certainly very fortunate; and that I ought to think myself very much obliged to Mr. Croft. But, after avowing all this, I walked up and down the room in melancholy reverie for a considerable length of time. My wife reminded me repeatedly that Mr. Croft said he dined precisely at two o’clock; that he was a very punctual man; that it was a long walk, as I had found it, from the inn to his house; that I had better dress myself for dinner; and that my clean shirt and cravat were ready for me. I still walked up and down the room in reverie till my wife was completely ready, had dressed the child, and held up my watch before my eyes to show me that it wanted but ten minutes of two. I then began to dress in the greatest hurry imaginable: and, unluckily, as I was pulling on my silk stocking, I tore a hole in the leg, or as my wife expressed it, a stitch dropped, and I was forced to wait while she repaired the evil. Certainly this operation of taking up a stitch, as I am instructed to call it, is one of the slowest operations in nature; or, rather, one of the most tedious and teazing manoeuvres of art. Though the most willing and the most dexterous fingers that ever touched a needle were employed in my service, I thought the work would never be finished.

At last, I was hosed and shod, and out we set. It struck a quarter past two as we left the house; we came to Mr. Croft’s in the middle of dinner. He had a large company at table; every body was disturbed; my Lucy was a stranger to Mrs. Croft, and was to be introduced; and nothing could be more awkward and embarrassing than our entrée and introduction. There were such compliments and apologies, such changing of places, such shuffling of chairs, and running about of servants, that I thought we should never be seated.

In the midst of the bustle my little chap began to roar most horribly, and to struggle to get away from a black servant, who was helping him up on his chair. The child’s terror at the sudden approach of the negro could not be conquered, nor could he by any means be quieted. Mrs. Croft, at last, ordered the negro out of the room, the roaring ceased, and nothing but the child’s sobs were heard for some instants.

The guests were all silent, and had ceased eating; Mrs. Croft was vexed because every thing was cold; Mr. Croft was much discomfited, and said not a syllable more than was absolutely necessary, as master of the house. I never ate, or rather I was never at a more disagreeable dinner. I was in pain for Lucy, as well as for myself; her colour rose up to her temples. I cursed myself a hundred times for not having gone to dress in time.

At length, to my great relief, the cloth was taken away; but even when we came to the wine after dinner, the cold formality of my host continued unabated, and I began to fear that he had taken an insurmountable dislike to me, and that I should lose all the advantages of his protection and assistance: advantages which rose considerably in my estimation, when I apprehended I was upon the point of losing them.