Chapter 3

The door had barely closed on her when the lowering face of Richard Turlington appeared on a level with the side of the sky-light, looking down into the store-room at Launce.

"Halloo!" he called out roughly. "What are you doing in the steward's room?"

Launce took up a box of matches on the dresser. "I'm getting a light," he answered readily.

"I allow nobody below, forward of the main cabin, without my leave. The steward has permitted a breach of discipline on board my vessel. The steward will leave my service."

"The steward is not to blame."

"I am the judge of that. Not you."

Launce opened his lips to reply. An outbreak between the two men appeared to be inevitable, when the sailing-master of the yacht joined his employer on deck, and directed Turlington's attention to a question which is never to be trifled with at sea, the question of wind and tide.

The yacht was then in the Bristol Channel, at the entrance to Bideford Bay. The breeze, fast freshening, was also fast changing the direction from which it blew. The favorable tide had barely three hours more to run.

"The wind's shifting, sir," said the sailing-master. "I'm afraid we shan't get round the point this tide, unless we lay her off on the other tack."

Turlington shook his head.

"There are letters waiting for me at Bideford," he said. "We have lost two days in the calm. I must send ashore to the post-office, whether we lose the tide or not."

The vessel held on her course. Off the port of Bideford, the boat was sent ashore to the post-office, the yacht standing off and on, waiting the appearance of the letters. In the shortest time in which it was possible to bring them on board the letters were in Turlington's hands.

The men were hauling the boat up to the davits, the yacht was already heading off from the land, when Turlington startled everybody by one peremptory word--"Stop!"

He had thrust all his letters but one into the pocket of his sailing jacket, without reading them. The one letter which he had opened he held in his closed hand. Rage was in his staring eyes, consternation was on his pale lips.

"Lower the boat!" he shouted; "I must get to London to-night." He stopped Sir Joseph, approaching him with opened mouth. "There's no time for questions and answers. I must get back." He swung himself over the side of the yacht, and addressed the sailing-master from the boat. "Save the tide if you can; if you can't, put them ashore to-morrow at Minehead or Watchet--wherever they like." He beckoned to Sir Joseph to lean over the bulwark, and hear something he had to say in private. "Remember what I told you about Launcelot Linzie!" he whispered fiercely. His parting look was for Natalie. He spoke to her with a strong constraint on himself, as gently as he could. "Don't be alarmed; I shall see you in London." He seated himself in the boat and took the tiller. The last words they heard him say were words urging the men at the oars to lose no time. He was invariably brutal with the men. "Pull, you lazy beggars!" he exclaimed, with an oath. "Pull for your lives!"

THIRD SCENE.

The Money Market.

Let us be serious.--Business!

The new scene plunges us head foremost into the affairs of the Levant trading-house of Pizzituti, Turlington & Branca. What on earth do we know about the Levant Trade? Courage! If we have ever known what it is to want money we are perfectly familiar with the subject at starting. The Levant Trade does occasionally get into difficulties.--Turlington wanted money.

The letter which had been handed to him on board the yacht was from his third partner, Mr. Branca, and was thus expressed:

"A crisis in the trade. All right, so far--except our business with the small foreign firms. Bills to meet from those quarters, (say) forty thousand pounds--and, I fear, no remittances to cover them. Particulars stated in another letter addressed to you at Post-office, Ilfracombe. I am quite broken down with anxiety, and confined to my bed. Pizzituti is still detained at Smyrna. Come back at once."

The same evening Turlington was at his office in Austin Friars, investigating the state of affairs, with his head clerk to help him.

Stated briefly, the business of the firm was of the widely miscellaneous sort. They plied a brisk trade in a vast variety of commodities. Nothing came amiss to them, from Manchester cotton manufactures to Smyrna figs. They had branch houses at Alexandria and Odessa, and correspondents here, there, and everywhere, along the shores of the Mediterranean, and in the ports of the East. These correspondents were the persons alluded to in Mr. Branca's letter as "small foreign firms;" and they had produced the serious financial crisis in the affairs of the great house in Austin Friars, which had hurried Turlington up to London.

Every one of these minor firms claimed and received the privilege of drawing bills on Pizzituti, Turlington & Branca for amounts varying from four to six thousand pounds--on no better security than a verbal understanding that the money to pay the bills should be forwarded before they fell due. Competition, it is needless to say, was at the bottom of this insanely reckless system of trading. The native firms laid it down as a rule that they would decline to transact business with any house in the trade which refused to grant them their privilege. In the ease of Turlington's house, the foreign merchants had drawn their bills on him for sums large in the aggregate, if not large in themselves; had long since turned those bills into cash in their own markets, for their own necessities; and had now left the money which their paper represented to be paid by their London correspondents as it fell due. In some instances, they had sent nothing but promises and excuses. In others, they had forwarded drafts on firms which had failed already, or which were about to fail, in the crisis. After first exhausting his resources in ready money, Mr. Branca had provided for the more pressing necessities by pledging the credit of the house, so far as he _could_ pledge it without exciting suspicion of the truth. This done, there were actually left, between that time and Christmas, liabilities to be met to the extent of forty thousand pounds, without a farthing in hand to pay that formidable debt.

After working through the night, this was the conclusion at which Richard Turlington arrived, when the rising sun looked in at him through the windows of his private room.

The whole force of the blow had fallen on _him_. The share of his partners in the business was of the most trifling nature. The capital was his, the risk was his. Personally and privately, _he_ had to find the money, or to confront the one other alternative--ruin.

How was the money to be found?

With his position in the City, he had only to go to the famous money-lending and discounting house of Bulpit Brothers--reported to "turn over" millions in their business every year--and to supply himself at once with the necessary funds. Forty thousand pounds was a trifling transaction to Bulpit Brothers.

Having got the money, how, in the present state of his trade, was the loan to be paid back?

His thoughts reverted to his marriage with Natalie.

"Curious!" he said to himself, recalling his conversation with Sir Joseph on board the yacht. "Graybrooke told me he would give his daughter half his fortune on her marriage. Half Graybrooke's fortune happens to be just forty thousand pounds!" He took a turn in the room. No! It was impossible to apply to Sir Joseph. Once shake Sir Joseph's conviction of his commercial solidity, and the marriage would be certainly deferred--if not absolutely broken off. Sir Joseph's fortune could be made available, in the present emergency, in but one way--he might use it to repay his debt. He had only to make the date at which the loan expired coincide with the date of his marriage, and there was his father-in-law's money at his disposal, or at his wife's disposal--which meant the same thing. "It's well I pressed Graybrooke about the marriage when I did!" he thought. "I can borrow the money at a short date. In three months from this Natalie will be my wife."

He drove to his club to get breakfast, with his mind cleared, for the time being, of all its anxieties but one.

Knowing where he could procure the loan, he was by no means equally sure of being able to find the security on which he could borrow the money. Living up to his income; having no expectations from any living creature; possessing in landed property only some thirty or forty acres in Somersetshire, with a quaint little dwelling, half farm house, half-cottage, attached--he was incapable of providing the needful security from his own personal resources. To appeal to wealthy friends in the City would be to let those friends into the secret of his embarrassments, and to put his credit in peril. He finished his breakfast, and went back to Austin Friars--failing entirely, so far, to see how he was to remove the last obstacle now left in his way.

The doors were open to the public; business had begun. He had not been ten minutes in his room before the shipping-clerk knocked at the door and interrupted him, still absorbed in his own anxious thoughts.

"What is it?" he asked, irritably.

"Duplicate Bills of Lading, sir," answered the clerk, placing the documents on his ma ster's table.

Found! There was the security on his writing-desk, staring him in the face! He dismissed the clerk and examined the papers.

They contained an account of goods shipped to the London house on board vessels sailing from Smyrna and Odessa, and they were signed by the masters of the ships, who thereby acknowledged the receipt of the goods, and undertook to deliver them safely to the persons owning them, as directed. First copies of these papers had already been placed in the possession of the London house. The duplicates had now followed, in case of accident. Richard Turlington instantly determined to make the duplicates serve as his security, keeping the first copies privately under lock and key, to be used in obtaining possession of the goods at the customary time. The fraud was a fraud in appearance only. The security was a pure formality. His marriage would supply him with the funds needed for repaying the money, and the profits of his business would provide, in course of time, for restoring the dowry of his wife. It was simply a question of preserving his credit by means which were legitimately at his disposal. Within the lax limits of mercantile morality, Richard Turlington had a conscience. He put on his hat and took his false security to the money-lenders, without feeling at all lowered in his own estimation as an honest man.

Bulpit Brothers, long desirous of having such a name as his on their books, received him with open arms. The security (covering the amount borrowed) was accepted as a matter of course. The money was lent, for three months, with a stroke of the pen. Turlington stepped out again into the street, and confronted the City of London in the character of the noblest work of mercantile creation--a solvent man.*

The Fallen Angel, walking invisibly behind, in Richard's shadow, flapped his crippled wings in triumph. From that moment the Fallen Angel had got him.

* It may not be amiss to remind the incredulous reader that a famous firm in the City accepted precisely the same security as that here accepted by Bulpit Brothers, with the same sublime indifference to troubling themselves by making any inquiry about it.

FOURTH SCENE.

Muswell Hill.

The next day Turlington drove to the suburbs, on the chance of finding the Graybrookes at home again. Sir Joseph disliked London, and could not prevail on himself to live any nearer to the metropolis than Muswell Hill. When Natalie wanted a change, and languished for balls, theaters, flower-shows, and the like, she had a room especially reserved for her in the house of Sir Joseph's married sister, Mrs. Sancroft, living in that central deep of the fashionable whirlpool known among mortals as Berkeley Square.

On his way through the streets, Turlington encountered a plain proof that the Graybrookes must have returned. He was passed by Launce, driving, in company with a gentleman, in a cab. The gentleman was Launce's brother, and the two were on their way to the Commissioners of Police to make the necessary arrangements for instituting an inquiry into Turlington's early life.

Arrived at the gate of the villa, the information received only partially fulfilled the visitor's expectations. The family had returned on the previous evening. Sir Joseph and his sister were at home, but Natalie was away again already. She had driven into town to lunch with her aunt. Turlington went into the house.

"Have you lost any money?" Those were the first words uttered by Sir Joseph when he and Richard met again, after the parting on board the yacht.

"Not a farthing. I might have lost seriously, if I had not got back in time to set things straight. Stupidity on the part of my people left in charge--nothing more. It's all right now."

Sir Joseph lifted his eyes, with heartfelt devotion, to the ceiling. "Thank God, Richard!" he said, in tones of the deepest feeling. He rang the bell. "Tell Miss Graybrooke Mr. Turlington is here." He turned again to Richard. "Lavinia is like me--Lavinia has been so anxious about you. We have both of us passed a sleepless night." Miss Lavinia came in. Sir Joseph hurried to meet her, and took her affectionately by both hands. "My dear! the best of all good news, Richard has not lost a farthing." Miss Lavinia lifted _her_ eyes to the ceiling with heartfelt devotion, and said, "Thank God, Richard!"--like the echo of her brother's voice; a little late, perhaps, for its reputation as an echo, but accurate to half a note in its perfect repetition of sound.

Turlington asked the question which it had been his one object to put in paying his visit to Muswell Hill.

"Have you spoken to Natalie?"

"This morning," replied Sir Joseph. "An opportunity offered itself after breakfast. I took advantage of it, Richard--you shall hear how."

He settled himself in his chair for one of his interminable stories; he began his opening sentence--and stopped, struck dumb at the first word. There was an unexpected obstacle in the way--his sister was not attending to him; his sister had silenced him at starting. The story touching, this time, on the question of marriage, Miss Lavinia had her woman's interest in seeing full justice done to the subject. She seized on her brother's narrative as on property in her own right.

"Joseph should have told you," she began, addressing herself to Turlington, "that our dear girl was unusually depressed in spirits this morning. Quite in the right frame of mind for a little serious talk about her future life. She ate nothing at breakfast, poor child, but a morsel of dry toast."

"And marmalade," said Sir Joseph, striking in at the first opportunity. The story, on this occasion, being Miss Lavinia's story, the polite contradictions necessary to its successful progress were naturally transferred from the sister to the brother, and became contradictions on Sir Joseph's side.

"No," said Miss Lavinia, gently, "if you _will_ have it, Joseph--jam."

"I beg your pardon," persisted Sir Joseph; "marmalade."

"What _does_ it matter, brother?"

"Sister! the late great and good Doctor Johnson said accuracy ought always to be studied even in the most trifling things."

"You _will_ have your way, Joseph--"(this was the formula--answering to Sir Joseph's 'Let us waive the point'--which Miss Lavinia used, as a means of conciliating her brother, and getting a fresh start for her story). "Well, we took dear Natalie out between us, after breakfast, for a little walk in the grounds. My brother opened the subject with infinite delicacy and tact. 'Circumstances,' he said, 'into which it was not then necessary to enter, made it very desirable, young as she was, to begin to think of her establishment in life.' And then he referred, Richard (so nicely), to your faithful and devoted attachment--"

"Excuse me, Lavinia. I began with Richard's attachment, and then I got on to her establishment in life."

"Excuse _me_, Joseph. You managed it much more delicately than you suppose. You didn't drag Richard in by the head and shoulders in that way."

"Lavinia! I began with Richard."

"Joseph! your memory deceives you."

Turlington's impatience broke through all restraint.

"How did it end?" he asked. "Did you propose to her that we should be married in the first week of the New Year?"

"Yes!" said Miss Lavinia.

"No!" said Sir Joseph.

The sister looked at the brother with an expression of affectionate surprise. The brother looked at the sister with a fund of amiable contradiction, expressed in a low bow.

"Do you really mean to deny, Joseph, that you told Natalie we had decided on the first week in the New Year?"

"I deny the New Year, Lavinia. I said early in January."

"You _will_ have your way, Joseph! We were walking in the shrubbery at the time. I had our dear girl's arm in mine, and I felt it tremble. She suddenly stopped. 'Oh,' she said, 'not so soon!' I said, 'My dear, consider Richard!' She turned to her father. She said, 'Don't, pray don't press it so soon, papa! I respect Richard; I like Richard as your true and faithful friend; but I don't love him as I ought to love him if I am to be his wife.' Imagine her talking in that way! What could she possibly know about it? Of course we both laughed--"

"_you_ laughed, Lavinia."

"_you_ laughed, Joseph."

"Get on, for God's sake!" cried Turlington, striking his hand passionately on the table by which he was sitting. "Don't madden me by contradicting each other! Did she give way or not?"

Miss Lavinia turned to her brother. "Contradicting each other, Joseph!" she exclaimed, lifting her hands in blank amazement.

"Contradicting each other!" repeated Sir Joseph, equally astonished on his side. "My dear Richard, what can you be thinking of? I contradict my sister! We never disagreed in our lives."

"I contradict my brother! We have never had a cross word between us from the time when we were children."

Turlington internally cursed his own irritable temper.

"I beg your pardon--both of you," he said. "I didn't know what I was saying. Make some allowance for me. All my hopes in life are centered in Natalie; and you have just told me (in her own words, Miss Lavinia) that she doesn't love. You don't mean any harm, I dare say; but you cut me to the heart."

This confession, and the look that accompanied it, touched the ready sympathies of the two old people in the right place. The remainder of the story dropped between them by common consent. They vied with each other in saying the comforting words which would allay their dear Richard's anxiety. How little he knew of young girls. How could he be so foolish, poor fellow! as to attach any serious importance to what Natalie had said? As if a young creature in her teens knew the state of her own heart! Protestations and entreaties were matters of course, in such cases. Tears even might be confidently expected from a right-minded girl. It had all ended exactly as Richard would have wished it to end. Sir Joseph had said, "My child! this is a matter of experience; love will come when you are married." And Miss Lavinia had added, "Dear Natalie, if you remembered your poor mother as I remember her, you would know that your father's experience is to be relied on." In that way they had put it to her; and she had hung her head and had given--all that maiden modesty could be expected to give--a silent consent. "The wedding-day was fixed for the first week in the New Year." ("No, Joseph; not January--the New Year.") "And God bless you, Richard! and may your married life be a long and happy one."

So the average ignorance of human nature, and the average belief in conventional sentiment, complacently contemplated the sacrifice of one more victim on the all-devouring altar of Marriage! So Sir Joseph and his sister provided Launcelot Linzie with the one argument which he wanted to convince Natalie: "Choose between making the misery of your life by marrying _him_, and making the happiness of your life by marrying _me._"

"When shall I see her?" asked Turlington, with Miss Lavinia (in tears which did _her_ credit) in possession of one of his hands, and Sir Joseph (in tears which did _him_ credit) in possession of the other.

"She will be back to dinner, dear Richard. Stay and dine."

"Thank you. I must go into the City first. I will come back and dine."

With that arrangement in prospect, he left them.

An hour later a telegram arrived from Natalie. She had consented to dine, as well as lunch, in Berkeley Square--sleeping there that night, and returning the next morning. Her father instantly telegraphed back by the messenger, insisting on Natalie's return to Muswell Hill that evening, in time to meet Richard Turlington at dinner.

"Quite right. Joseph," said Miss Lavinia, looking over her brother's shoulder, while he wrote the telegram.

"She is showing a disposition to coquet with Richard," rejoined Sir Joseph, with the air of a man who knew female human nature in its remotest corners. "My telegram, Lavinia, will have its effect."

Sir Joseph was quite right. His telegram _had_ its effect. It not only brought his daughter back to dinner--it produced another result which his prophetic faculty had altogether failed to foresee.

The message reached Berkeley Square at five o'clock in the afternoon. Let us follow the message.

FIFTH SCENE.

The Square.

Between four and five in the afternoon--when the women of the Western regions are in their carriages, and the men are at their clubs--London presents few places more conveniently adapted for purposes of private talk than the solitary garden inclosure of a square.

On the day when Richard Turlington paid his visit to Muswell Hill, two ladies (with a secret between them) unlocked the gate of the railed garden in Berkeley Square. They shut the gate after entering the inclosure, but carefully forbore to lock it as well, and carefully restricted their walk to the westward side of the garden. One of them was Natalie Graybrooke. The other was Mrs. Sancroft's eldest daughter. A certain temporary interest attached, in the estimation of society, to this young lady. She had sold well in the marriage market. In other words, she had recently been raised to the position of Lord Winwood's second wife; his lordship conferring on the bride not only the honors of the peerage, but the additional distinction of being stepmother to his three single daughters, all older than herself. In person, Lady Winwood was little and fair. In character, she was dashing and resolute--a complete contrast to Natalie, and (on that very account) Natalie's bosom friend.

"My dear, one ambitious marriage in the family is quite enough! I have made up my mind that _you_ shall marry the man you love. Don't tell me your courage is failing you--the excuse is contemptible; I decline to receive it. Natalie! the men have a phrase which exactly describes your character. You want back-bone!"

The bonnet of the lady who expressed herself in these peremptory terms barely reached the height of Natalie's shoulder. Natalie might have blown the little airy, light-haired, unsubstantial creature over the railings of the garden if she had taken a good long breath and stooped low enough. But who ever met with a tall woman who had a will of her own? Natalie's languid brown eyes looked softly down in submissive attention from an elevation of five feet seven. Lady Winwood's brisk blue eyes looked brightly up in despotic command from an elevation of four feet eleven (in her shoes).

"You are trifling with Mr. Linzie, my dear. Mr. Linzie is a nice fellow. I like him. I won't have that."

"Louisa!"