The second year passed on, and then the third: at the close of this, Michael looked again at his condition. During the last year the business of the house had doubled. Had not the profits, and more than the profits, been dragged away by Bellamy and Planner—his ardent mind would have been satisfied, his ceaseless toil well-paid. But the continual drafts had kept ever in advance of the receipts, draining the exchequer—crippling its faculties. Even at this melancholy exhibition, his sanguine spirit refused to be cast down, and to resign the hope of ultimate recovery and success. He built upon the promise of Mr Bellamy, who at length had engaged to refund his loans upon a certain day, and to add, at the same time, his long-expected and long-promised quota of floating capital: he built upon the illusions of Planner's strong imagination—Planner, who suddenly becoming sick of his speculation, alarmed at his responsibility, and doubtful of success, had been for some time vigorously looking out for a gentleman, willing to purchase his share and interest in the unrivaled Pantamorphica, and to relieve him of his liabilities; and had at last persuaded himself into the belief that he had found one. He likewise fixed a period for the restoration of a fearful sum of money, which Michael, madman that he was, had suffered him to expend—to fling away like dirt. Upon such expectation, Allcraft stood—upon such props suffered his aching soul to rest. There wanted but a month to the acceptable season when claims upon the house poured in which could not be put off. Michael borrowed money once more from his wife to meet them. He did it without remorse or hesitation. Why should he have compunction—why think about it, when the hour of repayment was so near at hand? It was a proper question for a man who could slumber on a mine that was ready to burst, and shatter him to atoms.

CHAPTER II.

A MEETING.

It was a constant saying of old Mr Brammel, that if his time were to come over again, he would adopt a very different plan from that which he had pursued in the education of his son. Now, a different plan it might have been; but one leading to a more satisfactory result, I must take the liberty to deny. Of what use is experience to one who, with sixty years of life in him, still feels and thinks, reasons and acts, like a child? Who but a child would have thought of paying the wholesale demands of that dissolute, incorrigible youth, with the notion of effecting by such subtle means his lasting reformation: who but a child would have made the concealment of his name a condition of the act? As may be guessed, the success of this scheme was equal to its wisdom. Augustus Theodore, too grateful for the facilities afforded him, showed no disposition to abridge his pleasures, or to hasten his return. In the regular and faithful discharge of his drafts, his vulgar soul rejoiced to detect a fear of offending, and an eagerness to conciliate, on the part of his partner, Michael Allcraft. He would see and acknowledge nothing else. And the idea once fixed in his mind, he was not likely to rest contented with half the glory of his victory. "No.—He would punish the fellow.—He would make him smart; he would teach him to come all the way to France on purpose to bully him. He hadn't done with the gentleman yet. Master Allcraft should cry loud enough before he had. He'd sicken him." Still the hopeful youth pursued his travels—still he transmitted his orders at sight—still they were honoured punctually—still Augustus Theodore chuckled with stupid delight over what he considered the pitiful submission of his partner, who had not courage to reject his drafts, and dared not utter now one brief expostulatory word. Mr Brammel, junior, like the rest of the firm, lived in his own delusions. The fourth year dawned, and Mr Brammel suddenly appeared amongst his friends. He and his lady had travelled over Europe; they had seen the world—the world had seen them; they were sick of wandering—they desired to settle. A noble villa, with parks and paddocks, was quickly taken and sumptuously furnished; hunters were got from Tattersall's—nursery-maids from France—an establishment worthy of the name rose like magic, almost within sight of Michael's humble dwelling, taking the neighbourhood by surprise, startling and affrighting Allcraft. Again the latter visited the fond old man—remonstrated, complained; and once more the father entreated on behalf of his son, begged for time and patience, and undertook to satisfy the prodigal's extravagance. He gave his money as before, willingly and eagerly, and stipulated only, with unmeaning earnestness, for secrecy and silence. And the fourth year closed as drearily as it had opened. The promises of Bellamy and Planner were as far from fulfilment as ever; their performance as vigorous and disastrous as at first. The landed proprietor still redeemed, day after day, portions of his involved estate. The schemer, disappointed in his expectations of a purchaser, returned to his speculation with redoubled ardour, and with fresh supplies of gold. His only chance of ultimate recovery was to push boldly forward, and to betray no fear of failure. One retrograde or timid step would open the eyes of men, and bring down ruin on the Pantamorphica. Planner became conscious of all this to his dismay, and he had nothing to do in the very extremity of his distress, but to proceed in his venture with the best spirits he could command, and to trust himself fairly to the swelling tide.—Allcraft looked on and trembled.

It is wonderful how long a withered leaf will sometimes cling to its branch. It will hold tenaciously there, the last of its race, days after the decay of its greener and more healthy-looking mates. "A creaking door," the proverb has it, "hangs long upon its hinges;" and many a wheezing, parchment-looking gentleman, as we all know, who ought to have died every year of his life since he was born, draws his difficult breath through threescore years and ten; whilst the young, the hardy, and the sound are smitten in their pride, and fall in heaps about him. It is no less strange that a house of business like that of our friend Mr Allcraft, should assert its existence for years, rotten as it was, during the whole of the time, at its very heart's core. And yet such is the case. Eight years elapsed, and found it still in the land of the living: yes, and to the eye external, as proper and as good a house of business as any you shall name. Its vitals were going—were gone, before the smallest indications of mischief appeared upon the surface. Life must have been well nourished to maintain itself so long. And was it not? Answer, thou kind physician, gentle Margaret! Answer, thou balm and life's elixir—Margaret's gold!

Eight weary years have passed, and we have reached a miserable day in the month of November. The wind is howling, and the rain is pelting against the parlour windows of the Banking-house, whose blinds are drawn close down. The partners are all assembled. Michael, whose hair is as grey as his father's on the day of his death, and whom care and misery have made haggard and old, sits at a table, with a heap of papers before him, and a pen in his hand—engaged, as it appears, in casting up accounts. Mr Bellamy, who looks remarkably well—very glossy and very fat—sits at the table likewise, perusing leisurely the county newspapers through golden eyeglasses. He holds them with the air of a gentleman, comfortable and at ease in all respects, mentally and bodily. Augustus Theodore swings on a chair before the fire, which he keeps at work for his own especial consolation. His feet stretch along the fender—his amusement is the poker. He has grown insufferably vain, is dressed many degrees above the highest fashionable point, and looks a dissipated, hopeless blackguard. Planner, very subdued, very pale, and therefore very unlike himself, stands behind the chair of Allcraft; and ever and anon he casts a rueful glance over the shoulder of his friend, upon the papers which his friend is busy with. No one speaks. At intervals Mr Bellamy coughs extensively and loudly, just to show his dignity and independence, and to assure the company that his conscience is very tranquil on the occasion—that his firm "withers are unwrung;" and Mr Brammel struggles like an ill-taught bullfinch, to produce a whistle, and fails in the attempt. With these exceptions, we have a silent room. A quarter of an hour passes. Michael finishes his work. He spends one moment in reflection, and then he speaks:—

"Now, gentlemen," he begins with a deep sigh, that seems to carry from his heart a load of care—"Now, if you please"—

The paper and the poker are abandoned, chairs are drawn towards the baize-covered table. The partners sit and look at one another, face to face.

"Gentlemen," said Michael, at first slowly and seriously, and in a tone which none might hear beyond their walls—"you do not, I am sure, require me to advert to all the causes which have rendered this meeting necessary. I have no desire to use reproaches, and I shall refer as little as I may to the past. I ask you all to do me justice. Have I not laboured like a slave for the common good? Have I not toiled in order to avoid the evil hour that has come upon us? Have I not given every thing—have I not robbed another in order to prop up our house and keep its name from infamy?"

"Be calm, be calm," interposed Mr Bellamy gently, remarking that Allcraft slightly raised his voice at the concluding words.