"'No occasion, my dear sir,' answered Mr Gilbert. 'This is a very common case in business, and will happen to the best of men. Never hesitate to ask me when you are in need. When I have the cash, you shall command me always. Give me your IOU—that will be quite sufficient, and pay the money back when it is quite convenient.' Disinterested, most praiseworthy man! He left me, impressed with his benevolence, and with my spirit at rest. With the dismissal of my incubus, my appetite was restored. I partook of a hearty dinner, and returned home, happy as a boy again. At the end of a week, I was enabled to repay my benefactor; but, at the end of a fortnight; I was again in need of his assistance. Emboldened by his offer, I did not hesitate to apply; as freely as before he responded to my call; and I felt that I had gained a friend indeed. Men who have committed heinous crimes, will tell you that it is the first divergence from the point of rectitude that gives them pain and anguish. The false direction once obtained, and the moral sense is blunted. So in matters of this kind. There was no blushing or palpitation when I begged a third time for a temporary loan. The occasion soon presented itself, and I asked deliberately for the sum I wanted. Mr Gilbert likewise had grown familiar with these demands; and familiarity, they say, does not heighten our politeness and respect. He had not the money by him, but he might get it, though, from a friend, he thought, if it were absolutely necessary. But then a friend is not like one's self. He must be paid for what he did. Well, for once in the way, I could afford it. I must borrow as cheaply, as I could, and give my note of hand, &c. Sir, in less than three months; I was in a mesh of difficulties, from which it was impossible to tear myself. Bill after bill had I accepted and given to this Gilbert—pounds upon pounds had he sucked from me in the way of interest; He grew greedier every hour. If I hesitated; he spoke to me of exposure—I refused, he threatened enforcement of his previous claims. And, what was worse than all, notwithstanding the heavy sums which he advanced, and for which he held securities, my affairs remained disordered, and the demand for money increased with every new supply. I could not understand it. I had not communicated with my uncle. I was afraid to do it; but I took care to pay his dividend the instant it was due. Had I omitted it, Mr Gilbert would have looked to me; for he was even more anxious than myself to keep my affairs a secret from my uncle. It was not long before I got bewildered by the accumulated anxieties of my position. My mind was paralyzed. My days were wretched. Home had no delight for me; and neither there nor elsewhere could I find repose. Before daybreak, I quitted my bed, and until midnight, I was occupied in arranging for the engagements of the coming day. Legitimate and profitable business was neglected; lost sight of, and all my faculties were engrossed in the one great object of obtaining money to appease the present and the pressing importunity. In the midst of my trouble, I was thrown, for the first time, upon a bed of sickness. I was attacked with fever, but I rallied in a day or two, and was prepared once more to cast myself into the vortex from which I saw no hope or possibility of escape. It was the evening before the day on which I had determined to resume the whirl of my sickening occupation. I was in bed, and, tired with the thought that weighed upon my brain, had fallen into a temporary sleep, from which I woke too soon, to find my wife, now about to become a mother, weeping as if her heart were broken, at my side. Trouble, sir, had soured my temper, and I had ceased to be as tender as she deserved. I was base enough to speak unkindly to her.

"'You are discontented, Anna,' I exclaimed. You are not satisfied—you repent now that you married me'—I see you do.'

"'Warton,' she exclaimed, 'if you love me, leave this cruel business. Let us live upon a crust. I will work for you. I will submit to any thing to see you calm and happy. This will kill you.'

"'It will, it must!' I cried out in misery. 'I cannot help it. What is to be done?'

"'Retire from it—resign all—every thing—but save us both. This agitation—this ceaseless wear and tear—must eventually, and soon, destroy you. What, then, becomes of me?'

"'Show me, Anna, how I can do what you desire with honour. Show me the way, and I will bless you. Oh, why did I not heed your words before! Why did I suffer myself to be entrapped'—

"She stopped me in my exclamations.

"'You have promised, dear,' said she, 'never to look upon the past. You acted for the best. So did we all. It is our consolation and support. But the present is sad and mournful, and, I believe, it rests with ourselves to secure our happiness for the future. Are you content to do it?'

"'Oh, can you ask me, Anna? Tell me how I may escape without discredit—without shame and one dishonourable taint—and you take me from the depths of my despair. I see no end to this career. I am fixed to the stake, and I must burn.'

"'Listen to me, dearest. You shall write to your uncle without delay, and explain to him your wishes. You shall tell him of your difficulties frankly and unreservedly. Make known to him your state of health, and tell him firmly that you are unequal to the burden which is laid upon you. Should he insist upon a recompense for your loss, you have money of your own there—yield it to him, and these hands shall never rest until they have earned for you every shilling of it back again. Be tranquil, resolute, cheerful, and all will yet be well, I trust—I feel it will.'