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.”