But I know this is a place where even a man of business needs his wits about him; and if mine can be of any use to you here, you're welcome to them.'

'You are very good,' said Twemlow, faltering. 'But I am most unwilling--'

'I don't, you know,' proceeded Fledgeby with an ill-favoured glance, 'entertain the vanity of supposing that my wits could be of any use to you in society, but they might be here. You cultivate society and society cultivates you, but Mr Riah's not society. In society, Mr Riah is kept dark; eh, Mr Twemlow?'

Twemlow, much disturbed, and with his hand fluttering about his forehead, replied: 'Quite true.'

The confiding young man besought him to state his case. The innocent Twemlow, expecting Fledgeby to be astounded by what he should unfold, and not for an instant conceiving the possibility of its happening every day, but treating of it as a terrible phenomenon occurring in the course of ages, related how that he had had a deceased friend, a married civil officer with a family, who had wanted money for change of place on change of post, and how he, Twemlow, had 'given him his name,' with the usual, but in the eyes of Twemlow almost incredible result that he had been left to repay what he had never had. How, in the course of years, he had reduced the principal by trifling sums, 'having,' said Twemlow, 'always to observe great economy, being in the enjoyment of a fixed income limited in extent, and that depending on the munificence of a certain nobleman,' and had always pinched the full interest out of himself with punctual pinches. How he had come, in course of time, to look upon this one only debt of his life as a regular quarterly drawback, and no worse, when 'his name' had some way fallen into the possession of Mr Riah, who had sent him notice to redeem it by paying up in full, in one plump sum, or take tremendous consequences. This, with hazy remembrances of how he had been carried to some office to 'confess judgment' (as he recollected the phrase), and how he had been carried to another office where his life was assured for somebody not wholly unconnected with the sherry trade whom he remembered by the remarkable circumstance that he had a Straduarius violin to dispose of, and also a Madonna, formed the sum and substance of Mr Twemlow's narrative. Through which stalked the shadow of the awful Snigsworth, eyed afar off by money-lenders as Security in the Mist, and menacing Twemlow with his baronial truncheon.

To all, Mr Fledgeby listened with the modest gravity becoming a confiding young man who knew it all beforehand, and, when it was finished, seriously shook his head. 'I don't like, Mr Twemlow,' said Fledgeby, 'I don't like Riah's calling in the principal. If he's determined to call it in, it must come.'

'But supposing, sir,' said Twemlow, downcast, 'that it can't come?'

'Then,' retorted Fledgeby, 'you must go, you know.'

'Where?' asked Twemlow, faintly.

'To prison,' returned Fledgeby. Whereat Mr Twemlow leaned his innocent head upon his hand, and moaned a little moan of distress and disgrace.

'However,' said Fledgeby, appearing to pluck up his spirits, 'we'll hope it's not so bad as that comes to. If you'll allow me, I'll mention to Mr Riah when he comes in, who you are, and I'll tell him you're my friend, and I'll say my say for you, instead of your saying it for yourself; I may be able to do it in a more business-like way.