“Custom!” retorted the stranger, “no such thing—damn'd bad custom, if it is one—don't tell me of customs—'Sbodikins, man, I know the rate of exchange all over the world, and have drawn bills from Timbuctoo—My friends in the Strand filed it along with Bruce's from Gondar—talk to me of premium on a Bank of England post-bill!—What d'ye look at the bill for?—D'ye think it doubtful—I can change it.”

“By no means necessary,” answered Bindloose, “the bill is quite right; but it is usual to indorse, sir.”

“Certainly—reach me a pen—d'ye think I can write with my rattan?—What sort of ink is this?—yellow as curry sauce—never mind—there is my name—Peregrine Touchwood—I got it from the Willoughbies, my Christian name—Have I my full change here?”

“Your full change, sir,” answered Bindloose.

“Why, you should give me a premium, friend, instead of me giving you one.”

“It is out of our way, I assure you, sir,” said the Banker, “quite out of our way—but if you would step into the parlour and take a cup of tea”——

“Why, ay,” said the stranger, his voice sounding more distinctly as (talking all the while, and ushered along by Mr. Bindloose) he left the office and moved towards the parlour, “a cup of tea were no such bad thing, if one could come by it genuine—but as for your premium”——So saying, he entered the parlour and made his bow to Mrs. Dods, who, seeing what she called a decent, purpose-like body, and aware that his pocket was replenished with English and Scottish paper currency, returned the compliment with her best curtsy.

Mr. Touchwood, when surveyed more at leisure, was a short, stout, active man, who, though sixty years of age and upwards, retained in his sinews and frame the elasticity of an earlier period. His countenance expressed self-confidence, and something like a contempt for those who had neither seen nor endured so much as he had himself. His short black hair was mingled with grey, but not entirely whitened by it. His eyes were jet-black, deep-set, small, and sparkling, and contributed, with a short turned-up nose, to express an irritable and choleric habit. His complexion was burnt to a brick-colour by the vicissitudes of climate, to which it had been subjected; and his face, which at the distance of a yard or two seemed hale and smooth, appeared, when closely examined, to be seamed with a million of wrinkles, crossing each other in every direction possible, but as fine as if drawn by the point of a very small needle.[20] His dress was a blue coat and buff waistcoat, half boots remarkably well blacked, and a silk handkerchief tied with military precision. The only antiquated part of his dress was a cocked hat of equilateral dimensions, in the button-hole of which he wore a very small cockade. Mrs. Dods, accustomed to judge of persons by their first appearance, said, that in the three steps which he made from the door to the tea-table, she recognised, without the possibility of mistake, the gait of a person who was well to pass in the world; “and that,” she added with a wink, “is what we victuallers are seldom deceived in. If a gold-laced waistcoat has an empty pouch, the plain swan's-down will be the brawer of the twa.”

“A drizzling morning, good madam,” said Mr. Touchwood, as with a view of sounding what sort of company he had got into.

“A fine saft morning for the crap, sir,” answered Mrs. Dods, with equal solemnity.