Frank, (seriously).—"I have done my best to reform. I have sold off my horses, and I have not touched dice nor card these six months: I would not even put into the raffle for the last Derby." This last was said with the air of a man who doubted the possibility of obtaining belief to some assertion of preternatural abstinence and virtue.

Randal.—"Is it possible? But, with such self-conquest, how is it that you cannot contrive to live within the bounds of a very liberal allowance?"

Frank, (despondingly).—"Why, when a man once gets his head under water, it is so hard to float back again on the surface. You see, I attribute all my embarrassments to that first concealment of my debts from my father, when they could have been so easily met, and when he came up to town so kindly."

"I am sorry, then, that I gave you that advice."

"Oh you meant it so kindly, I don't reproach you; it was all my own fault."

"Why, indeed, I did urge you to pay off that moiety of your debts left unpaid, with your allowance. Had you done so, all had been well."

"Yes, but poor Borrowwell got into such a scrape at Goodwood; I could not resist him—a debt of honour, that must be paid; so when I signed another bill for him, he could not pay it, poor fellow: really he would have shot himself, if I had not renewed it; and now it is swelled to such an amount with that cursed interest, that he never can pay it; and one bill, of course, begets another, and to be renewed every three months; 'tis the devil and all! So little as I ever got for all I have borrowed," added Frank with a kind of rueful amaze. "Not £1500 ready money; and it would cost me almost as much yearly,—if I had it."

"Only £1500."

"Well, besides seven large chests of the worst cigars you ever smoked; three pipes of wine that no one would drink, and a great bear, that had been imported from Greenland for the sake of its grease."

"That should at least have saved you a bill with your hairdresser."