“I don’t suppose it matters much to you. You are rolling in money, after going down to your audit, and all that sort of thing. You might like to invest a cool five hundred in a loan to me, at five per cent. Do it, and earn my everlasting gratitude.”

“You have something good to tell me, or to put me up to. Upon my soul, Bulwrag, I shall be glad to know it. I have three bills falling due to-morrow. I am on my last legs, and that makes me so grumpish.”

“You have been uncommonly grumpish, Pots; and I am not at all sure that I shall tell you anything. I like to do a kindness to a friend; but you hardly seem to be quite that, just now.”

“My dear fellow, you never go by words. You have seen too much of the world for that. The real friend is the man who shows you his rough side. I do that to you, Downy, because I like you.”

“Then you can’t have much left for your enemies, my friend. But my rule is to take things as I find them, and the same is the golden rule, according to the law and prophets. I will render good for evil, Pots; I will tell you of a nice little windfall for you, if you have the pluck to keep up with luck.”

“Downy, I am up for anything. All has been against me for the last ten days, and I should like to have my revenge of it. It would take a big fence to pound me.”

“There’s a big pot of money the other side,” said Downy, counting slowly on his fingers; “eighteen and sixteen make thirty-four, and twelve makes forty-six, and Chilian eight thousand four hundred, with the market down, should be worth another twelve, when they go up. But put it at present quotations, and you have between fifty-four and fifty-five thousand pounds, payable on the nail, and no trustees. It would come in pretty well to start with, Pots, after paying the fellows that know no better. And you might lend me the odd four thousand upon good security. I would give you eight per cent., old fellow, and pay you like a church.”

“What is it, Downy? Or are you trying hocus? Nothing of that sort ever comes my way now. I have been on the wrong horse ever since last Goodwood. And now again at Lincoln. Those cursed tips have tipped me over.”

“It has nothing to do with turf, or tips. What do you think of our little Kitty coming into sixty thousand pounds, for it’s worth every penny of that, they say, and nobody to look after it, but the lucky cove that marries her?”