When, in the larger money-business, I tell the borrowers--'

'I say, old chap!' interposed Fledgeby, 'I hope you mind what you DO tell 'em?'

'Sir, I tell them no more than I am about to repeat. When I tell them, "I cannot promise this, I cannot answer for the other, I must see my principal, I have not the money, I am a poor man and it does not rest with me," they are so unbelieving and so impatient, that they sometimes curse me in Jehovah's name.'

'That's deuced good, that is!' said Fascination Fledgeby.

'And at other times they say, "Can it never be done without these tricks, Mr Riah? Come, come, Mr Riah, we know the arts of your people"--my people!--"If the money is to be lent, fetch it, fetch it; if it is not to be lent, keep it and say so." They never believe me.'

'THAT'S all right,' said Fascination Fledgeby.

'They say, "We know, Mr Riah, we know. We have but to look at you, and we know."'

'Oh, a good 'un are you for the post,' thought Fledgeby, 'and a good 'un was I to mark you out for it! I may be slow, but I am precious sure.'

Not a syllable of this reflection shaped itself in any scrap of Mr Fledgeby's breath, lest it should tend to put his servant's price up. But looking at the old man as he stood quiet with his head bowed and his eyes cast down, he felt that to relinquish an inch of his baldness, an inch of his grey hair, an inch of his coat-skirt, an inch of his hat-brim, an inch of his walking-staff, would be to relinquish hundreds of pounds.

'Look here, Riah,' said Fledgeby, mollified by these self-approving considerations. 'I want to go a little more into buying-up queer bills. Look out in that direction.'

'Sir, it shall be done.'

'Casting my eye over the accounts, I find that branch of business pays pretty fairly, and I am game for extending it. I like to know people's affairs likewise. So look out.'

'Sir, I will, promptly.'

'Put it about in the right quarters, that you'll buy queer bills by the lump--by the pound weight if that's all--supposing you see your way to a fair chance on looking over the parcel. And there's one thing more. Come to me with the books for periodical inspection as usual, at eight on Monday morning.'

Riah drew some folding tablets from his breast and noted it down.

'That's all I wanted to say at the present time,' continued Fledgeby in a grudging vein, as he got off the stool, 'except that I wish you'd take the air where you can hear the bell, or the knocker, either one of the two or both. By-the-by how DO you take the air at the top of the house? Do you stick your head out of a chimney-pot?'

'Sir, there are leads there, and I have made a little garden there.'

'To bury your money in, you old dodger?'

'A thumbnail's space of garden would hold the treasure I bury, master,' said Riah. 'Twelve shillings a week, even when they are an old man's wages, bury themselves.'

'I should like to know what you really are worth,' returned Fledgeby, with whom his growing rich on that stipend and gratitude was a very convenient fiction. 'But come! Let's have a look at your garden on the tiles, before I go!'

The old man took a step back, and hesitated.

'Truly, sir, I have company there.'

'Have you, by George!' said Fledgeby; 'I suppose you happen to know whose premises these are?'

'Sir, they are yours, and I am your servant in them.