The character of one individual was, however, elicited in this affair. "From this time," observes Mr. Maxwell,[133] "the Secretary ceased to be in odour of sanctity with those that were not highly prejudiced in his favour. The little knave appeared plainly in his conduct on this occasion. He argued strenuously for the retreat, because he thought it the only prudent measure, till he found it was carried by a great majority, and would certainly take place; and then he condemned it, to make his court to the Prince, to whom it was disagreeable, and lay the odium upon other people, particularly Lord George, whom he endeavoured to blacken on every occasion." Some people will wonder that this bare-faced conduct did not open the Prince's eyes as to the baseness of Secretary Murray's heart; "but," says Maxwell, "if we consider that Murray was in the highest degree of favour, the steps by which he rose to it, and the arts he used to maintain himself and exclude everybody that could come in competition with him, he will easily conceive how he got the better of any suspicions his behaviour might have created at this time."

The question, whether the arguments of Lord George Murray were guided by wisdom, or whether they might be better characterised as the result of a cold, and, in this case, unworthy prudence, has been very differently canvassed.

"There are not a few," observes Mr. Maxwell, "who still think the Prince would have carried his point had he gone on from Derby; they build much upon the confusion there was at London, and the panic which prevailed among the Elector's troops at this juncture.[134] It is impossible to decide with any degree of certainty, whether he would or would not have succeeded,—that depended upon the disposition of the Army and of the City of London, ready to declare for the Prince. What could he do with four thousand four hundred men, suppose he got to London, whatever were the dispositions of the Army and the City? It is certain the Prince had no intelligence from either. This leads me to examine the conduct of the Prince's friends in England. The cry was general against them about this time in the Prince's army, and they are still exclaimed against by foreigners, who, having but a very superficial knowledge of these affairs, conclude that either the English are all become Hanoverians, or, if there are still some that have an English heart, they must be strangely degenerated, since they did not lay hold of this opportunity of shaking off the German yoke. Though I am convinced the Prince had a great many well-wishers in England, and though it is my opinion he would have succeeded had they all declared for him, nevertheless I cannot join in the cry against them, no more than I can condemn abundance of his friends in Scotland who did not join him. I have told elsewhere upon what a slender foundation this expedition was undertaken. Murray had imposed upon the Prince, and hurried him into it, without concerting anything with England. The English had always insisted upon a body of regular troops, not under seven and not above twelve thousand effective men. They saw the Prince in England with a handful of militia, which they could never think a match for thirty thousand regular troops. It is true the English have, in former times, taken arms upon less encouragement and less provocation than they had met with of late; but in those days the common people were accustomed to arms, and the insurgents were as good soldiers as any that could be brought against them."

Such is the reasoning of an eye-witness. One thing is certain, contemporary writers appear to have generally acquiesced in the propriety of the retreat; and that circumstance constitutes the strongest evidence in favour of the step. Yet, viewing events at this distance of time, and taking into account the panic which seized, not only the public mind, but which affected the heads of the Government on hearing of the bold and rapid march of the insurgents, our faith in the wisdom of a retreat is weakened. In the night when it was announced in the fashionable circles of St. James's that the Prince had reached Derby, a general consternation was diffused throughout society. A lady of the highest rank, who was in one of the assemblies of the day, related to one of her descendants that upon the intelligence reaching the party where she was, the rooms were instantly cleared, and on the following morning there was not a carriage to be seen in London.

Nor were these apprehensions confined to any particular sphere.[135] The arrival of the troops at Derby was known in London on the ninth of December, henceforth called by the English "Black Monday." Many of the inhabitants fled in terror from the metropolis, taking their treasures with them; the shops were closed: people thronged to the bank to obtain payment of its notes, and it only escaped bankruptcy by the following stratagem. Those who came first being entitled to priority of payment, the managers of the bank took care to be surrounded by agents with notes, to whom their pretended claims were paid in sixpences to gain time. These agents went out by one door and came back by another, so that the bona fide holders of notes could never get near enough to present them; and the bank stood out by these means until the panic had died away. King George even embarked all his most precious effects on his yachts, which were stationed in the Tower-quay, in readiness to convey him away, should the dreaded Highlanders, as it now began to be generally expected, march to London in a few days. The "moneyed corporations," according to Smollett, were all in the deepest dejection; they reflected that the Highlanders, of whom they had conceived a most terrible idea, were within four days' march of the capital; they anticipated a revolution ruinous to their own prosperity, and were overwhelmed with dismay.

"I was assured," writes the Chevalier Johnstone, (who differed from his General, Lord George,) "on good authority, when I was in London, some time after our unfortunate defeat, that the Duke of Newcastle, then Secretary of State for the War Department, remained inaccessible in his own house the whole of the 6th of December, weighing in his mind the part which it would be most prudent for him to take, and even uncertain whether he should not instantly declare himself for the Pretender. It was even said at London, that fifty thousand men had actually left that city to meet the Prince and join his army, and every body in the capital was of opinion, that, if we had beaten the Duke of Cumberland, the army of Finchley Common would have dispersed of its own accord, and that by advancing rapidly to London, we might have taken possession of that city without the least resistance from the inhabitants, and without exchanging a single shot with the soldiers. Thus a revolution would have been effected in England, so glorious for the few Scotchmen by whom it was attempted, and altogether so surprising, that the world would not have comprehended it. It is true, the English were altogether ignorant of the number of our army, from the care we took in our marches to conceal it; and it was almost impossible for their spies ever to discover it, as we generally arrived in the towns at nightfall, and left them before the break of day. In all the English newspapers our numbers were uniformly stated as high as twelve or fifteen thousand men. Under such circumstances, some temporary advantages might have been gained by marching southwards; for it is now believed that the Jacobite party in England were much more numerous than we have generally understood; and that thousands would have flocked to the standard of Charles Edward had he been accompanied by a sufficient force to authorise the expectation of his success."

The British administration was, it is true, devoid of men of talent or principle, and discontent and distress prevailed in the country. In the City of London, the Jacobite party was very strong; its member was Alderman Heathcote, who, with Sir Watkin Williams Wynn, had announced to Lord Temple his determination to rise immediately upon a landing of troops from France.[136] The prevalence of Jacobite principles among the English gentry is supposed to have infected many officers in the royal army, who might have avowed them at any crisis in the public affairs; many were, at all events, suspected of Jacobite principles; "and the mere suspicion," remarks Lord Mahon, "would have produced nearly the same effects as the reality,—bewilderment, distrust, and vacillation in the chiefs." "Had, then, the Highlanders combined to push forward," observes this able writer, "must not the increasing terror have palsied all power of resistance? Would not the little army at Finchley, with so convenient a place for dispersing as the capital behind it, have melted away at their approach?"

In confirmation of this surmise may be quoted an anecdote which is related of a company of the celebrated Black Watch, which had been exempted during the insurrection of 1745 from serving against their countrymen; more than three hundred of the regiment having brothers and relations engaged in the Jacobite army.[137] But it was afterwards employed on a service which might well have been assigned to others;—to execute the decrees of burning, and to lay waste the districts where the forefathers of these brave men had lived. On marching one company of this famous regiment out of London, the Highlanders, on arriving at Hounslow, suddenly became immovable; they halted, and refused to proceed, or to bear arms against their countrymen. Their commanders, in dismay, turned to the chaplain of the regiment, to use his influence. The clergyman then in office happened to be Ferguson, the celebrated astronomer. He mounted on a temporary rostrum or pulpit, harangued the Highlanders, and, after an emphatic address, prevailed on them to march forward.

Such were some of the difficulties which the English Government encountered. To this may be added, the defenceless state of the coasts of Kent and Essex. The French ministers were now in "the very crisis of decision as to their projected expedition." The preparations at Dunkirk were completed; and had Charles Edward, by advancing, shown that such aid was only a secondary matter in his favour, their fleet would have set sail. Besides, the Jacobites in England were by no means in so apathetic and subdued a condition as that which has been generally represented.[138]

"I believe then," emphatically remarks Lord Mahon, "that had Charles marched onward from Derby he might have gained the British throne; but I am far from thinking that he would long have held it."