Beyond the City

Chapter 13

When Doctor Walker had departed, the Admiral packed

all his possessions back into his sea chest with the

exception of one little brass-bound desk. This he

unlocked, and took from it a dozen or so blue sheets of

paper all mottled over with stamps and seals, with very

large V. R.'s printed upon the heads of them. He tied

these carefully into a small bundle, and placing them in

the inner pocket of his coat, he seized his stick and

hat.

"Oh, John, don't do this rash thing," cried Mrs.

Denver, laying her hands upon his sleeve. "I have seen

so little of you, John. Only three years since you left

the service. Don't leave me again. I know it is weak of

me, but I cannot bear it."

"There's my own brave lass," said he, smoothing down

the grey-shot hair. "We've lived in honor together,

mother, and please God in honor we'll die. No matter how

debts are made, they have got to be met, and what the boy

owes we owe. He has not the money, and how is he to find

it? He can't find it. What then? It becomes my

business, and there's only one way for it."

"But it may not be so very bad, John. Had we not

best wait until after he sees these people to-morrow?"

"They may give him little time, lass. But I'll have

a care that I don't go so far that I can't put back

again. Now, mother, there's no use holding me. It's got

to be done, and there's no sense in shirking it." He

detached her fingers from his sleeve, pushed her gently

back into an arm-chair, and hurried from the house.

In less than half an hour the Admiral was whirled

into Victoria Station and found himself amid a dense

bustling throng, who jostled and pushed in the crowded

terminus. His errand, which had seemed feasible enough

in his own room, began now to present difficulties in the

carrying out, and he puzzled over how he should take the

first steps. Amid the stream of business men, each

hurrying on his definite way, the old seaman in his grey

tweed suit and black soft hat strode slowly along, his

head sunk and his brow wrinkled in perplexity. Suddenly

an idea occurred to him. He walked back to the railway

stall and bought a daily paper. This he turned and

turned until a certain column met his eye, when he

smoothed it out, and carrying it over to a seat,

proceeded to read it at his leisure.

And, indeed, as a man read that column, it

seemed strange to him that there should still remain

any one in this world of ours who should be in straits

for want of money. Here were whole lines of gentlemen

who were burdened with a surplus in their incomes, and

who were loudly calling to the poor and needy to come and

take it off their hands. Here was the guileless person

who was not a professional moneylender, but who would be

glad to correspond, etc. Here too was the accommodating

individual who advanced sums from ten to ten thousand

pounds without expense, security, or delay. "The money

actually paid over within a few hours," ran this

fascinating advertisement, conjuring up a vision of swift

messengers rushing with bags of gold to the aid of the

poor struggler. A third gentleman did all business by

personal application, advanced money on anything or

nothing; the lightest and airiest promise was enough to

content him according to his circular, and finally he

never asked for more than five per cent. This struck the

Admiral as far the most promising, and his wrinkles

relaxed, and his frown softened away as he gazed at it.

He folded up the paper rose from the seat, and found

himself face to face with Charles Westmacott.

"Hullo, Admiral!"

"Hullo, Westmacott!" Charles had always been a

favorite of the seaman's. "What are you doing here?"

"Oh, I have been doing a little business for my aunt.

But I have never seen you in London before."

"I hate the place. It smothers me. There's not a

breath of clean air on this side of Greenwich. But maybe

you know your way about pretty well in the City?"

"Well, I know something about it. You see I've never

lived very far from it, and I do a good deal of my aunt's

business."

"Maybe you know Bread Street?"

"It is out of Cheapside."

"Well then, how do you steer for it from here? You

make me out a course and I'll keep to it."

"Why, Admiral, I have nothing to do. I'll take you

there with pleasure."

"Will you, though? Well, I'd take it very kindly if

you would. I have business there. Smith and Hanbury,

financial agents, Bread Street."

The pair made their way to the river-side, and so

down the Thames to St. Paul's landing--a mode of travel

which was much more to the Admiral's taste than 'bus or

cab. On the way, he told his companion his mission and

the causes which had led to it. Charles Westmacott knew

little enough of City life and the ways of business, but

at least he had more experience in both than the Admiral,

and he made up his mind not to leave him until the

matter was settled.

"These are the people," said the Admiral, twisting

round his paper, and pointing to the advertisement which

had seemed to him the most promising. "It sounds honest

and above-board, does it not? The personal interview

looks as if there were no trickery, and then no one could

object to five per cent."

"No, it seems fair enough."

"It is not pleasant to have to go hat in hand

borrowing money, but there are times, as you may find

before you are my age, Westmacott, when a man must stow

away his pride. But here's their number, and their plate

is on the corner of the door."

A narrow entrance was flanked on either side by a row

of brasses, ranging upwards from the shipbrokers and the

solicitors who occupied the ground floors, through a long

succession of West Indian agents, architects, surveyors,

and brokers, to the firm of which they were in quest. A

winding stone stair, well carpeted and railed at first

but growing shabbier with every landing, brought them

past innumerable doors until, at last, just under the

ground-glass roofing, the names of Smith and Hanbury were

to be seen painted in large white letters across a panel,

with a laconic invitation to push beneath it. Following

out the suggestion, the Admiral and his companion

found themselves in a dingy apartment, ill lit from a

couple of glazed windows. An ink-stained table, littered

with pens, papers, and almanacs, an American cloth sofa,

three chairs of varying patterns, and a much-worn carpet,

constituted all the furniture, save only a very large and

obtrusive porcelain spittoon, and a gaudily framed and

very somber picture which hung above the fireplace.

Sitting in front of this picture, and staring gloomily at

it, as being the only thing which he could stare at, was

a small sallow-faced boy with a large head, who in the

intervals of his art studies munched sedately at an

apple.

"Is Mr. Smith or Mr. Hanbury in?" asked the Admiral.

"There ain't no such people," said the small boy.

"But you have the names on the door."

"Ah, that is the name of the firm, you see. It's

only a name. It's Mr. Reuben Metaxa that you wants."

"Well then, is he in?"

"No, he's not."

"When will he be back?"

"Can't tell, I'm sure. He's gone to lunch.

Sometimes he takes one hour, and sometimes two. It'll be

two to-day, I 'spect, for he said he was hungry afore he

went."

"Then I suppose that we had better call again, " said

the Admiral.

"Not a bit," cried Charles. "I know how to manage

these little imps. See here, you young varmint, here's

a shilling for you. Run off and fetch your master. If

you don't bring him here in five minutes I'll clump you

on the side of the head when you get back. Shoo! Scat!"

He charged at the youth, who bolted from the room and

clattered madly down-stairs.

"He'll fetch him," said Charles. "Let us make

ourselves at home. This sofa does not feel over and

above safe. It was not meant for fifteen-stone men.

But this doesn't look quite the sort of place where one

would expect to pick up money."

"Just what I was thinking," said the Admiral, looking

ruefully about him.

"Ah, well! I have heard that the best furnished

offices generally belong to the poorest firms. Let us

hope it's the opposite here. They can't spend much on

the management anyhow. That pumpkin-headed boy was the

staff, I suppose. Ha, by Jove, that's his voice, and

he's got our man, I think!"

As he spoke the youth appeared in the doorway with a

small, brown, dried-up little chip of a man at his heels.

He was clean-shaven and blue-chinned, with bristling

black hair, and keen brown eyes which shone out very

brightly from between pouched under-lids and drooping

upper ones. He advanced, glancing keenly from one

to the other of his visitors, and slowly rubbing together

his thin, blue-veined hands. The small boy closed the

door behind him, and discreetly vanished.

"I am Mr. Reuben Metaxa," said the moneylender. "Was

it about an advance you wished to see me?"

"Yes."

"For you, I presume?" turning to Charles Westmacott.

"No, for this gentleman."

The moneylender looked surprised. "How much did you

desire?"

"I thought of five thousand pounds," said the

Admiral.

"And on what security?"

"I am a retired admiral of the British navy. You

will find my name in the Navy List. There is my card.

I have here my pension papers. I get L850 a year. I

thought that perhaps if you were to hold these papers it

would be security enough that I should pay you. You

could draw my pension, and repay yourselves at the rate,

say, of L500 a year, taking your five per cent interest

as well."

"What interest?"

"Five per cent per annum.

Mr. Metaxa laughed. "Per annum!" he said. "Five per

cent a month."

"A month! That would be sixty per cent a year."

"Precisely."

"But that is monstrous."

"I don't ask gentlemen to come to me. They come of

their own free will. Those are my terms, and they can

take it or leave it."

"Then I shall leave it." The Admiral rose angrily

from his chair.

"But one moment, sir. Just sit down and we shall

chat the matter over. Yours is a rather unusual case and

we may find some other way of doing what you wish. Of

course the security which you offer is no security at

all, and no sane man would advance five thousand pennies

on it."

"No security? Why not, sir?"

"You might die to-morrow. You are not a young man.

What age are you?"

"Sixty-three."

Mr. Metaxa turned over a long column of figures.

"Here is an actuary's table," said he. "At your time of

life the average expectancy of life is only a few years

even in a well-preserved man."

"Do you mean to insinuate that I am not a

well-preserved man?"

"Well, Admiral, it is a trying life at sea. Sailors

in their younger days are gay dogs, and take it out of

themselves. Then when they grow older thy are still hard

at it, and have no chance of rest or peace. I do not

think a sailor's life a good one."

"I'll tell you what, sir," said the Admiral hotly.

"If you have two pairs of gloves I'll undertake to knock

you out under three rounds. Or I'll race you from here

to St. Paul's, and my friend here will see fair. I'll

let you see whether I am an old man or not."

"This is beside the question," said the moneylender

with a deprecatory shrug. "The point is that if you died

to-morrow where would be the security then?"

"I could insure my life, and make the policy over to

you."

"Your premiums for such a sum, if any office would

have you, which I very much doubt, would come to close on

five hundred a year. That would hardly suit your book."

"Well, sir, what do you intend to propose?" asked the

Admiral.

"I might, to accommodate you, work it in another way.

I should send for a medical man, and have an opinion upon

your life. Then I might see what could be done."

"That is quite fair. I have no objection to that."

"There is a very clever doctor in the street here.

Proudie is his name. John, go and fetch Doctor Proudie."

The youth was dispatched upon his errand, while Mr.

Metaxa sat at his desk, trimming his nails, and shooting

out little comments upon the weather. Presently feet

were heard upon the stairs, the moneylender hurried

out, there was a sound of whispering, and he returned

with a large, fat, greasy-looking man, clad in a much

worn frock-coat, and a very dilapidated top hat.

"Doctor Proudie, gentlemen," said Mr. Metaxa.

The doctor bowed, smiled, whipped off his hat, and

produced his stethoscope from its interior with the air

of a conjurer upon the stage. "Which of these gentlemen

am I to examine?" he asked, blinking from one to the

other of them. "Ah, it is you! Only your waistcoat!

You need not undo your collar. Thank you! A full

breath! Thank you! Ninety-nine! Thank you! Now hold

your breath for a moment. Oh, dear, dear, what is this

I hear?"

"What is it then?" asked the Admiral coolly.

"Tut! tut! This is a great pity. Have you had

rheumatic fever?"

"Never."

"You have had some serious illness?"

"Never."

"Ah, you are an admiral. You have been abroad,

tropics, malaria, ague--I know."

"I have never had a day's illness."

"Not to your knowledge; but you have inhaled

unhealthy air, and it has left its effect. You have an

organic murmur--slight but distinct."

"Is it dangerous?"

"It might at anytime become so. You should not take

violent exercise."

"Oh, indeed. It would hurt me to run a half mile?"

"It would be very dangerous."

"And a mile?"

"Would be almost certainly fatal."

"Then there is nothing else the matter?"

"No. But if the heart is weak, then everything is

weak, and the life is not a sound one."

"You see, Admiral," remarked Mr. Metaxa, as the

doctor secreted his stethoscope once more in his hat, "my

remarks were not entirely uncalled for. I am sorry that

the doctor's opinion is not more favorable, but this is

a matter of business, and certain obvious precautions

must be taken."

"Of course. Then the matter is at an end."

"Well, we might even now do business. I am most

anxious to be of use to you. How long do you think,

doctor, that this gentleman will in all probability

live?"

"Well, well, it's rather a delicate question to

answer," said Dr. Proudie, with a show of embarrassment.

"Not a bit, sir. Out with it! I have faced death

too often to flinch from it now, though I saw it as near

me as you are."

"Well, well, we must go by averages of course. Shall

we say two years? I should think that you have a full

two years before you."

"In two years your pension would bring you in L1,600.

Now I will do my very best for you, Admiral! I will

advance you L2,000, and you can make over to me your

pension for your life. It is pure speculation on my

part. If you die to-morrow I lose my money. If the

doctor's prophecy is correct I shall still be out of

pocket. If you live a little longer, then I may see my

money again. It is the very best I can do for you."

"Then you wish to buy my pension?"

"Yes, for two thousand down."

"And if I live for twenty years?"

"Oh, in that case of course my speculation would be

more successful. But you have heard the doctor's

opinion."

"Would you advance the money instantly?"

"You should have a thousand at once. The other

thousand I should expect you to take in furniture."

"In furniture?"

"Yes, Admiral. We shall do you a beautiful houseful

at that sum. It is the custom of my clients to take half

in furniture."

The Admiral sat in dire perplexity. He had come out

to get money, and to go back without any, to be powerless

to help when his boy needed every shilling to save him

from disaster, that would be very bitter to him. On the

other hand, it was so much that he surrendered, and

so little that he received. Little, and yet

something. Would it not be better than going back

empty-handed? He saw the yellow backed cheque-book upon

the table. The moneylender opened it and dipped his pen

into the ink.

"Shall I fill it up?" said he.

"I think, Admiral," remarked Westmacott, "that we had

better have a little walk and some luncheon before we

settle this matter."

"Oh, we may as well do it at once. It would be

absurd to postpone it now," Metaxa spoke with some heat,

and his eyes glinted angrily from between his narrow lids

at the imperturbable Charles. The Admiral was simple in

money matters, but he had seen much of men and had

learned to read them. He saw that venomous glance, and

saw too that intense eagerness was peeping out from

beneath the careless air which the agent had assumed.

"You're quite right, Westmacott," said he. "We'll

have a little walk before we settle it."

"But I may not be here this afternoon."

"Then we must choose another day."

"But why not settle it now?"

"Because I prefer not," said the Admiral shortly.

"Very well. But remember that my offer is only for

to-day. It is off unless you take it at once."

"Let it be off, then.

"There's my fee," cried the doctor.

"How much?"

"A guinea."

The Admiral threw a pound and a shilling upon the

table. "Come, Westmacott," said he, and they walked

together from the room.

"I don't like it," said Charles, when they found

themselves in the street once more; "I don't profess to

be a very sharp chap, but this is a trifle too thin.

What did he want to go out and speak to the doctor for?

And how very convenient this tale of a weak heart was!

I believe they are a couple of rogues, and in league with

each other."

"A shark and a pilot fish," said the Admiral.

"I'll tell you what I propose, sir. There's a lawyer

named McAdam who does my aunt's business. He is a very

honest fellow, and lives at the other side of Poultry.

We'll go over to him together and have his opinion about

the whole matter."

"How far is it to his place?"

"Oh, a mile at least. We can have a cab."

"A mile? Then we shall see if there is any truth in

what that swab of a doctor said. Come, my boy, and clap

on all sail, and see who can stay the longest."

Then the sober denizens of the heart of business

London saw a singular sight as they returned from their

luncheons. Down the roadway, dodging among cabs and

carts, ran a weather-stained elderly man, with wide

flapping black hat, and homely suit of tweeds. With

elbows braced back, hands clenched near his armpits, and

chest protruded, he scudded along, while close at his

heels lumbered a large-limbed, heavy, yellow mustached

young man, who seemed to feel the exercise a good deal

more than his senior. On they dashed, helter-skelter,

until they pulled up panting at the office where the

lawyer of the Westmacotts was to be found.

"There now!" cried the Admiral in triumph. "What

d'ye think of that? Nothing wrong in the engine-room,

eh?"

"You seem fit enough, sir.

"Blessed if I believe the swab was a certificated

doctor at all. He was flying false colors, or I am

mistaken."

"They keep the directories and registers in this

eating-house," said Westmacott. "We'll go and look him

out."

They did so, but the medical rolls contained no such

name as that of Dr. Proudie, of Bread Street.

"Pretty villainy this!" cried the Admiral, thumping

his chest. "A dummy doctor and a vamped up disease.

Well, we've tried the rogues, Westmacott! Let us see

what we can do with your honest man."