Impecunious Person. Ah! I'm a little bit late, but here's the place sure enough, and that's the number. Fine house, too. Nothing sharkish about this, anyhow.

[Makes for No. 14, consulting his watch. On door-step encounters another person, also apparently in a hurry, and also consulting his watch. This person is perhaps a trifle shabby-genteel in attire, but genially pompous and semi-military in bearing. He makes as if to go, but stopping suddenly, stares at I.P., and addresses him.

Ahem! I—a—beg pardon, I'm sure, but have you by any chance an appointment for 11 A.M. at this address, with a Mr. MUGSNAP?

I.P. Why—a—yes, as a matter of fact, I have.

Mr. Mugsnap. Quite so. And your name is SOFTSHELL?

I.P. Well—yes, as a matter of fact, it is.

Mr. Mugsnap (cheerily). Ah! that's all right. Well met, Mr. SOFTSHELL! (Produces letter.) This is yours, I fancy. The time was eleven sharp, and you're just seven minutes and a quarter behind. I was just off, for if I gave all my clients seven minutes and a quarter grace, I should lose about four hours a day, Sir. (Laughs jovially.) But no matter! Just step this way. (Produces latch-key.) But no, on second thoughts I won't go back. Unlucky, you know! We'll step across to the Wine Shades yonder, and talk our business over together with a glass of sound port, my boy. Best glass of port in London, BUMPUS sells, and as an old Army Man I appreciate it.

[They cross to "The Shades," where Mr. MUGSNAP wins upon his companion by his hearty style, and all difficulties in the way of "an early advance" are smoothed away in a highly satisfactory manner. A couple of references, of course, "just as a matter of form," and a couple of guineas for visiting them. Not an Inquiry Fee, oh! dear no, merely "expenses." Some people apply for a loan, and, when everything is arranged, actually decline to receive it! Must provide against that, you knew. Within three days at the outside, Mr. SOFTSHELL is assured, that money will be in his hands without fail. Meanwhile the "couple o' guineas" leave his hands, and Mr. MUGSNAP leaves him, hopeful, and admiring.

I.P. (strolling homeward). Very pleasant person, Mr. MUGSNAP. Quite a pleasure to deal with him. Sharks, indeed! How worthy people get misrepresented! By the way, though, there's one question I forgot to ask him. I'll just step back. Don't suppose he has gone yet.

[Returns to No. 14, Fitz-Guelph Mansions. Knocks, and is answered by smart and austere-looking Domestic.