fashions.
   Moreover, she insisted upon our establishing a servant in livery,--
   a boy, that is, of about sixteen,--who was dressed in one of the
   old liveries that she had brought with her from Somersetshire,
   decorated with new cuffs and collars, and new buttons:  on the
   latter were represented the united crests of the Titmarshes and
   Hoggartys, viz., a tomtit rampant and a hog in armour.  I thought
   this livery and crest-button rather absurd, I must confess; though
   my family is very ancient.  And heavens! what a roar of laughter
   was raised in the office one day, when the little servant in the
   big livery, with the immense cane, walked in and brought me a
   message from Mrs. Hoggarty of Castle Hoggarty!  Furthermore, all
   letters were delivered on a silver tray.  If we had had a baby, I
   believe Aunt would have had it down on the tray:  but there was as
   yet no foundation for Mr. Smithers's insinuation upon that score,
   any more than for his other cowardly fabrication before narrated.
   Aunt and Mary used to walk gravely up and down the New Road, with
   the boy following with his great gold-headed stick; but though
   there was all this ceremony and parade, and Aunt still talked of
   her acquaintances, we did not see a single person from week's end
   to week's end, and a more dismal house than ours could hardly be
   found in London town.
   On Sundays, Mrs. Hoggarty used to go to St. Pancras Church, then
   just built, and as handsome as Covent Garden Theatre; and of
   evenings, to a meeting-house of the Anabaptists:  and that day, at
   least, Mary and I had to ourselves,--for we chose to have seats at
   the Foundling, and heard the charming music there, and my wife used
   to look wistfully in the pretty children's faces,--and so, for the
   matter of that, did I.  It was not, however, till a year after our
   marriage that she spoke in a way which shall be here passed over,
   but which filled both her and me with inexpressible joy.
   I remember she had the news to give me on the very day when the
   Muff and Tippet Company shut up, after swallowing a capital of
   300,000L. as some said, and nothing to show for it except a treaty
   with some Indians, who had afterwards tomahawked the agent of the
   Company.  Some people said there were no Indians, and no agent to
   be tomahawked at all; but that the whole had been invented in a
   house in Crutched Friars.  Well, I pitied poor Tidd, whose 20,000L.
   were thus gone in a year, and whom I met in the City that day with
   a most ghastly face.  He had 1,000L. of debts, he said, and talked
   of shooting himself; but he was only arrested, and passed a long
   time in the Fleet.  Mary's delightful news, however, soon put Tidd
   and the Muff and Tippet Company out of my head; as you may fancy.
   Other circumstances now occurred in the City of London which seemed
   to show that our Director was--what is not to be found in Johnson's
   Dictionary--rather shaky.  Three of his companies had broken; four
   more were in a notoriously insolvent state; and even at the
   meetings of the directors of the West Diddlesex, some stormy words
   passed, which ended in the retirement of several of the board.
   Friends of Mr. B.'s filled up their places:  Mr. Puppet, Mr. Straw,
   Mr. Query, and other respectable gents, coming forward and joining
   the concern.  Brough and Hoff dissolved partnership; and Mr. B.
   said he had quite enough to do to manage the I. W. D., and intended
   gradually to retire from the other affairs.  Indeed, such an
   Association as ours was enough work for any man, let alone the
   parliamentary duties which Brough was called on to perform, and the
   seventy-two lawsuits which burst upon him as principal director of
   the late companies.
   Perhaps I should here describe the desperate attempts made by Mrs.
   Hoggarty to introduce herself into genteel life.  Strange to say,
   although we had my Lord Tiptoff's word to the contrary, she
   insisted upon it that she and Lady Drum were intimately related;
   and no sooner did she read in the Morning Post of the arrival of
   her Ladyship and her granddaughters in London, than she ordered the
   fly before mentioned, and left cards at their respective houses:
   her card, that is--"MRS. HOGGARTY OF CASTLE HOGGARTY,"
   magnificently engraved in Gothic letters and flourishes; and ours,
   viz., "Mr. and Mrs. S. Titmarsh," which she had printed for the
   purpose.
   She would have stormed Lady Jane Preston's door and forced her way
   upstairs, in spite of Mary's entreaties to the contrary, had the
   footman who received her card given her the least encouragement;
   but that functionary, no doubt struck by the oddity of her
   appearance, placed himself in the front of the door, and declared
   that he had positive orders not to admit any strangers to his lady.
   On which Mrs. Hoggarty clenched her fist out of the coach-window,
   and promised that she would have him turned away.
   Yellowplush only burst out laughing at this; and though Aunt wrote
   a most indignant letter to Mr. Edmund Preston, complaining of the
   insolence of the servants of that right honourable gent, Mr.
   Preston did not take any notice of her letter, further than to
   return it, with a desire that he might not be troubled with such
   impertinent visits for the future.  A pretty day we had of it when
   this letter arrived, owing to my aunt's disappointment and rage in
   reading the contents; for when Solomon brought up the note on the
   silver tea-tray as usual, my aunt, seeing Mr. Preston's seal and
   name at the corner of the letter (which is the common way of
   writing adopted by those official gents)--my aunt, I say, seeing
   his name and seal, cried, "NOW, Mary, who is right?" and betted my
   wife a sixpence that the envelope contained an invitation to
   dinner.  She never paid the sixpence, though she lost, but
   contented herself by abusing Mary all day, and said I was a poor-
   spirited sneak for not instantly horsewhipping Mr. P.  A pretty
   joke, indeed!  They would have hanged me in those days, as they did
   the man who shot Mr. Perceval.
   And now I should be glad to enlarge upon that experience in genteel
   life which I obtained through the perseverance of Mrs. Hoggarty;
   but it must be owned that my opportunities were but few, lasting
   only for the brief period of six months:  and also, genteel society
   has been fully described already by various authors of novels,
   whose names need not here be set down, but who, being themselves
   connected with the aristocracy, viz., as members of noble families,
   or as footmen or hangers-on thereof, naturally understand their
   subject a great deal better than a poor young fellow from a fire-
   office can.
   There was our celebrated adventure in the Opera House, whither Mrs.
   H. would insist upon conducting us; and where, in a room of the
   establishment called the crush-room, where the ladies and gents
   after the music and dancing await the arrival of their carriages (a
   pretty figure did our little Solomon cut, by the way, with his big
   cane, among the gentlemen of the shoulde 
					     					 			r-knot assembled in the
   lobby!)--where, I say, in the crush-room, Mrs. H. rushed up to old
   Lady Drum, whom I pointed out to her, and insisted upon claiming
   relationship with her Ladyship.  But my Lady Drum had only a memory
   when she chose, as I may say, and had entirely on this occasion
   thought fit to forget her connection with the Titmarshes and
   Hoggarties.  Far from recognising us, indeed, she called Mrs.
   Hoggarty an "ojus 'oman," and screamed out as loud as possible for
   a police-officer.
   This and other rebuffs made my aunt perceive the vanities of this
   wicked world, as she said, and threw her more and more into really
   serious society.  She formed several very valuable acquaintances,
   she said, at the Independent Chapel; and among others, lighted upon
   her friend of the Rookery, Mr. Grimes Wapshot.  We did not know
   then the interview which he had had with Mr. Smithers, nor did
   Grimes think proper to acquaint us with the particulars of it; but
   though I did acquaint Mrs. H. with the fact that her favourite
   preacher had been tried for forgery, SHE replied that she
   considered the story an atrocious calumny; and HE answered by
   saying that Mary and I were in lamentable darkness, and that we
   should infallibly find the way to a certain bottomless pit, of
   which he seemed to know a great deal.  Under the reverend
   gentleman's guidance and advice, she, after a time, separated from
   St. Pancras altogether--"SAT UNDER HIM," as the phrase is,
   regularly thrice a week--began to labour in the conversion of the
   poor of Bloomsbury and St. Giles's, and made a deal of baby-linen
   for distribution among those benighted people.  She did not make
   any, however, for Mrs. Sam Titmarsh, who now showed signs that such
   would be speedily necessary, but let Mary (and my mother and
   sisters in Somersetshire) provide what was requisite for the coming
   event.  I am not, indeed, sure that she did not say it was wrong on
   our parts to make any such provision, and that we ought to let the
   morrow provide for itself.  At any rate, the Reverend Grimes
   Wapshot drank a deal of brandy-and-water at our house, and dined
   there even oftener than poor Gus used to do.
   But I had little leisure to attend to him and his doings; for I
   must confess at this time I was growing very embarrassed in my
   circumstances, and was much harassed both as a private and public
   character.
   As regards the former, Mrs. Hoggarty had given me 50L.; but out of
   that 50L. I had to pay a journey post from Somersetshire, all the
   carriage of her goods from the country, the painting, papering, and
   carpeting of my house, the brandy and strong liquors drunk by the
   Reverend Grimes and his friends (for the reverend gent said that
   Rosolio did not agree with him); and finally, a thousand small
   bills and expenses incident to all housekeepers in the town of
   London.
   Add to this, I received just at the time when I was most in want of
   cash, Madame Mantalini's bill, Messrs.  Howell and James's ditto,
   the account of Baron Von Stiltz, and the bill of Mr. Polonius for
   the setting of the diamond pin.  All these bills arrived in a week,
   as they have a knack of doing; and fancy my astonishment in
   presenting them to Mrs. Hoggarty, when she said, "Well, my dear,
   you are in the receipt of a very fine income.  If you choose to
   order dresses and jewels from first-rate shops, you must pay for
   them; and don't expect that I am to abet your extravagance, or give
   you a shilling more than the munificent sum I pay you for board and
   lodging!"
   How could I tell Mary of this behaviour of Mrs. Hoggarty, and Mary
   in such a delicate condition?  And bad as matters were at home, I
   am sorry to say at the office they began to look still worse.
   Not only did Roundhand leave, but Highmore went away.  Abednego
   became head clerk:  and one day old Abednego came to the place and
   was shown into the directors' private room; when he left it, he
   came trembling, chattering, and cursing downstairs; and had begun,
   "Shentlemen--" a speech to the very clerks in the office, when Mr.
   Brough, with an imploring look, and crying out, "Stop till
   Saturday!" at length got him into the street.
   On Saturday Abednego junior left the office for ever, and I became
   head clerk with 400L. a year salary.  It was a fatal week for the
   office, too.  On Monday, when I arrived and took my seat at the
   head desk, and my first read of the newspaper, as was my right, the
   first thing I read was, "Frightful fire in Houndsditch!  Total
   destruction of Mr. Meshach's sealing-wax manufactory and of Mr.
   Shadrach's clothing depot, adjoining.  In the former was 20,000L.
   worth of the finest Dutch wax, which the voracious element attacked
   and devoured in a twinkling.  The latter estimable gentleman had
   just completed forty thousand suits of clothes for the cavalry of
   H.H. the Cacique of Poyais."
   Both of these Jewish gents, who were connections of Mr. Abednego,
   were insured in our office to the full amount of their loss.  The
   calamity was attributed to the drunkenness of a scoundrelly Irish
   watchman, who was employed on the premises, and who upset a bottle
   of whisky in the warehouse of Messrs. Shadrach, and incautiously
   looked for the liquor with a lighted candle.  The man was brought
   to our office by his employers; and certainly, as we all could
   testify, was EVEN THEN in a state of frightful intoxication.
   As if this were not sufficient, in the obituary was announced the
   demise of Alderman Pash--Alderman Cally-Pash we used to call him in
   our lighter hours, knowing his propensity to green fat:  but such a
   moment as this was no time for joking!  He was insured by our house
   for 5,000L.  And now I saw very well the truth of a remark of
   Gus's--viz., that life-assurance companies go on excellently for a
   year or two after their establishment, but that it is much more
   difficult to make them profitable when the assured parties begin to
   die.
   The Jewish fires were the heaviest blows we had had; for though the
   Waddingley Cotton-mills had been burnt in 1822, at a loss to the
   Company of 80,000L., and though the Patent Erostratus Match
   Manufactory had exploded in the same year at a charge of 14,000L.,
   there were those who said that the loss had not been near so heavy
   as was supposed--nay, that the Company had burnt the above-named
   establishments as advertisements for themselves.  Of these facts I
   can't be positive, having never seen the early accounts of the
   concern.
   Contrary to the expectation of all us gents, who were ourselves as
   dismal as mutes, Mr. Brough came to the office in his coach-and-
   four, laughing and joking with a friend as he stepped out at the
   door.
   "Gentlemen!" said he, "you have read the papers; they announce an
   event which I most deeply deplore.  I mean the demise of the
   excellent Alderman Pash, one of our constituents.  But if anything
   can console me for the loss of that worthy man, it is to think that
 &nbs 
					     					 			p; his children and widow will receive, at eleven o'clock next
   Saturday, 5,000L. from my friend Mr. Titmarsh, who is now head
   clerk here.  As for the accident which has happened to Messrs.
   Shadrach and Meshach,--in THAT, at least, there is nothing that can
   occasion any person sorrow.  On Saturday next, or as soon as the
   particulars of their loss can be satisfactorily ascertained, my
   friend Mr. Titmarsh will pay to them across the counter a sum of
   forty, fifty, eighty, one hundred thousand pounds--according to the
   amount of their loss.  THEY, at least, will be remunerated; and
   though to our proprietors the outlay will no doubt be considerable,
   yet we can afford it, gentlemen.  John Brough can afford it
   himself, for the matter of that, and not be very much embarrassed;
   and we must learn to bear ill-fortune as we have hitherto borne
   good, and show ourselves to be men always!"
   Mr. B. concluded with some allusions, which I confess I don't like
   to give here; for to speak of Heaven in connection with common
   worldly matters, has always appeared to me irreverent; and to bring
   it to bear witness to the lie in his mouth, as a religious
   hypocrite does, is such a frightful crime, that one should be
   careful even in alluding to it.
   Mr. Brough's speech somehow found its way into the newspapers of
   that very evening; nor can I think who gave a report of it, for
   none of our gents left the office that day until the evening papers
   had appeared.  But there was the speech--ay, and at the week's end,
   although Roundhand was heard on 'Change that day declaring he would
   bet five to one that Alderman Pash's money would never be paid,--at
   the week's end the money was paid by me to Mrs. Pash's solicitor
   across the counter, and no doubt Roundhand lost his money.
   Shall I tell how the money was procured?  There can be no harm in
   mentioning the matter now after twenty years' lapse of time; and
   moreover, it is greatly to the credit of two individuals now dead.
   As I was head clerk, I had occasion to be frequently in Brough's
   room, and he now seemed once more disposed to take me into his
   confidence.
   "Titmarsh my boy," said he one day to me, after looking me hard in
   the face, "did you ever hear of the fate of the great Mr.
   Silberschmidt of London?"  Of course I had.  Mr. Silberschmidt, the
   Rothschild of his day (indeed I have heard the latter famous gent
   was originally a clerk in Silberschmidt's house)--Silberschmidt,
   fancying he could not meet his engagements, committed suicide; and
   had he lived till four o'clock that day, would have known that he
   was worth 400,000L.  To tell you frankly the truth," says Mr. B.,
   "I am in Silberschmidt's case.  My late partner, Hoff, has given
   bills in the name of the firm to an enormous amount, and I have
   been obliged to meet them.  I have been cast in fourteen actions,
   brought by creditors of that infernal Ginger Beer Company; and all
   the debts are put upon my shoulders, on account of my known wealth.
   Now, unless I have time, I cannot pay; and the long and short of
   the matter is that if I cannot procure 5,000L. before Saturday, OUR
   CONCERN IS RUINED!"
   "What! the West Diddlesex ruined?" says I, thinking of my poor
   mother's annuity.  "Impossible! our business is splendid!"
   "We must have 5,000L. on Saturday, and we are saved; and if you
   will, as you can, get it for me, I will give you 10,000L. for the
   money!"
   B. then showed me to a fraction the accounts of the concern, and
   his own private account; proving beyond the possibility of a doubt,
   that with the 5,000L. our office must be set a-going; and without
   it, that the concern must stop.  No matter how he proved the thing;
   but there is, you know, a dictum of a statesman that, give him but
   leave to use figures, and he will prove anything.
   I promised to ask Mrs. Hoggarty once more for the money, and she
   seemed not to be disinclined.  I told him so; and that day he
   called upon her, his wife called upon her, his daughter called upon
   her, and once more the Brough carriage-and-four was seen at our