I went with my niece one day to St. Paul’s Churchyard to choose a gown, but it was too much for me to be in a draper’s shop when the brokers’ drug sales were just beginning. I left my niece, walked round the Churchyard as fast as I could, trying to make people believe I was busy, and just as I came to Doctors Commons I stumbled against Larkins, who used to travel for Jackman and Larkins.

‘Hullo, Whittaker!’ said he, ‘haven’t seen you since you left. Lucky dog! Wish I could do the same. Ta-ta; can’t stop.’

A year ago Mr. Larkins, with the most pressing engagement in front of him, would have spared me just as much time as I liked to give him.

Formerly I woke up (sometimes, it is true, after a restless night) with the feeling that before me lay a day of adventure. I did not know what was in my letters, nor what might happen. Now, when I rose I had nothing to anticipate but fifteen hours of monotony varied only by my meals. My niece proposed that I should belong to a club, but the members of clubs were not of my caste. I had taken a pride in my garden and determined I would attend to it more myself. I bought gardening books, but the gardener knew far more than I could ever hope to know, and I could not displace him. I had been in the habit of looking through a microscope in the evening, although I did not understand any science in which the microscope is useful, and my slides were bought ready-made. I brought it out now in the daytime, but I was soon weary of it and sold it. We went to Worthing for a month. We had what were called comfortable lodgings and the weather was fine, but if I had been left to myself I should have gone back to Stockwell directly my boxes were unpacked. We drove eastwards as far as we could and then westward, and after that there was nothing more to be done except to do the same thing over again. At the end of the first week I could stand it no longer, and we returned. I fancied my liver was out of order and consulted a physician. He gave me some medicine and urged me to ‘cultivate cheerful society,’ and to take more exercise. I therefore tried long walks, and often extended them beyond Croydon, and once as far as Reigate, but I had never been accustomed to walking by myself, and as I knew the names of scarcely half-a-dozen birds or trees, my excursions gave me no pleasure. I have stood on Banstead Downs in the blaze of sunlight on a still October morning, and when I saw the smoke-cloud black as night hang over the horizon northwards, I have longed with the yearning of an imprisoned convict to be the meanest of the blessed souls enveloped in it.

I determined at last to break up my household at Stockwell, to move far away into the country; to breed fowls—an occupation which I was assured was very profitable and very entertaining; dismiss my niece and marry again. I began to consider which lady of those whom I knew would suit me best, and I found one who was exactly the person I wanted. She was about thirty-five years old, was cheerful, fond of going out (I never was), a good housekeeper, played the piano fairly well, and, as the daughter of a retired major in the Army, had a certain air and manner which distinguished her from the wives and daughters of our set and would secure for me an acquaintance with the country gentlefolk, from which, without her, I should probably be debarred. She had also told me when I mentioned my project to her, but saying nothing about marriage, that she doted on fowls—they had such pretty ways. As it was obviously prudent not to engage myself until I knew more of her, I instigated my niece in a careless way to invite her to stay a fortnight with us. She came, and once or twice I was on the verge of saying something decisive to her, but I could not. A strange terror of change in my way of life took hold upon me. I should now have to be more at home, and although I might occupy myself with the fowls during the morning and afternoon, the evening must be spent in company, and I could not endure for more than half an hour a drawing-room after dinner. There was another reason for hesitation. I could see the lady would accept me if I proposed to her, but I was not quite sure why. She would in all probability survive me, and I fancied that her hope of survival might be her main reason for consenting. I gave her up, but no sooner had she left us than I found myself impelled to make an offer to a handsome girl of eight-and-twenty who I was ass enough to dream might love me. I was happily saved by an accident not worth relating, and although I afterwards dwelt much upon the charms of two or three other ladies and settled with myself I would take one of them, nothing came of my resolution. I was greatly distressed by this growing indecision. It began to haunt me. If I made up my mind to-day that I would do this or that, I always had on the morrow twenty reasons for not doing it. I was never troubled with this malady in Eastcheap. I was told that decay in the power of willing was one of the symptoms of softening of the brain, and this then was what was really the matter with me! It might last for years! Wretched creature! my life was to be nothing better than that of the horse in Bewick’s terrible picture. I was ‘waiting for death.’

Part of my income was derived from interest on money lent to a cousin. Without any warning I had a letter to say that he was bankrupt, and that his estate would probably not pay eighteenpence in the pound. It was quite clear that I must economise, and what to do and whither to go was an insoluble problem to me. By chance I met an old City acquaintance who told me of a ‘good thing’ in Spanish bonds which, when information was disclosed which he possessed, were certain to rise twenty per cent. If what he said was true—and I had no reason to doubt him—I could easily get back without much risk about two-thirds of the money I had lost. Had I been in full work, I do not believe I should have wasted a shilling on the speculation, but the excitement attracted me, and I ventured a considerable sum. In about a fortnight there was a sudden jump of two per cent. in my securities, and I was so much elated that I determined to go farther. I doubled my stake; in three weeks another rise was announced; I again increased the investment, and now I watched the market with feverish eagerness. One day I was downstairs a quarter of an hour earlier than usual waiting for the boy who brought the paper.

I tore it open and to my horror saw that there was a panic on the Stock Exchange; my bonds were worthless, and I was ruined.

I had always secretly feared that this would happen, and that I should be so distracted as to lose my reason. To my surprise, I was never more self-possessed, and I was not so miserable as might have been expected. I at once gave notice of discharge to my servants, sold nearly all my furniture and let my house. I was offered help, but declined it. I moved into a little villa in one of the new roads then being made at Brixton, and found that I possessed a capital which, placed in Consols—for I would not trust anything but the public funds—brought me one hundred and twenty-five pounds a year. This was not enough for my niece, myself and a maid, and I was forced to consider whether I could not obtain some employment. To return to Eastcheap was clearly out of the question, but there was a possibility, although I was fifty-six, that my experience might make me useful elsewhere. I therefore called on Jackman and Larkins at twelve o’clock, the hour at which I knew there was a chance of finding them able to see me. During my prosperity I always walked straight into their room marked ‘private,’ but now I went into the clerks’ office, took off my hat and modestly inquired if either Mr. Jackman or Mr. Larkins could spare me a minute. I was not asked to sit down—I, to whom these very clerks a little over a twelvemonth ago would have risen when I entered; but my message was taken, and I was told in reply that both Mr. Jackman and Mr. Larkins were engaged. I was bold enough to send in another message and was informed I might call in two hours’ time. I went out, crossed London Bridge, and seeing the doors of St. Saviour’s, Southwark, open, rested there awhile. When I returned at the end of two hours, I had to wait another ten minutes until a luncheon tray came out. A bell then rang, which a clerk answered, and in about five minutes, with a ‘come this way’ I was ushered into the presence of Jackman, who was reading the newspaper with a decanter and a glass of sherry by his side.

‘Well, Whittaker, what brings you here? Ought to be looking after your grapes at Stockwell—but I forgot; heard you’d given up grape-growing. Ah! odd thing, a man never retires, but he gets into some mess; marries or dabbles on the Stock Exchange. I’ve known lots of cases like yours. What can we do for you? Times are horribly bad.’ Jackman evidently thought I was going to borrow some money of him, and his tone altered when he found I did not come on that errand.

‘I was very sorry—really I was, my dear fellow—to hear of your loss, but it was a damned foolish thing to do, excuse me.’