Mrs. Halfacre gaped, and declared that she was both tired and sleepy, which put an end to conversation until the carriage reached her own door. Both Mrs. Halfacre and Eudosia were surprised to find the husband and father still up. He was pacing the drawing-room, by the light of a single tallow candle, obviously in great mental distress. "Bless me!" exclaimed the wife--"YOU up at this hour?--what CAN have happened? what HAS come to our door?" "Nothing but beggary," answered the man, smiling with a bitterness which showed he felt an inhuman joy, at that fierce moment, in making others as miserable as himself. "Yes, Mrs. Henry Halfacre--yes, Miss Eudosia Halfacre, you are both beggars--I hope that, at least, will satisfy you." "You mean, Henry, that you have failed?" For that was a word too familiar in New York not to be understood even by the ladies. "Tell me the worst at once--is it true, HAVE you failed?" "It IS true--I HAVE failed. My notes have been this day protested for ninety-five thousand dollars, and I have not ninety-five dollars in bank. To-morrow, twenty-three thousand more will fall due, and this month will bring round quite a hundred and thirty thousand more. That accursed removal of the deposits, and that tiger, Jackson, have done it all." To own the truth, both the ladies were a little confounded. They wept, and for some few minutes there was a dead silence, but curiosity soon caused them both to ask questions. "This is very dreadful, and with our large family!" commenced the mother--"and so the general has it all to answer for--why did you let him give so many notes for you?" "No--no--it is not that--I gave the notes myself; but he removed the deposits, I tell you." "It's just like him, the old wretch! To think of his removing your deposits, just as you wanted them so much yourself! But why did the clerks at the bank let him have them--they ought to have known that you had all this money to pay, and people cannot well pay debts without money." "You are telling that, my dear, to one who knows it by experience. That is the very reason why I have failed. I have a great many debts, and I have no money." "But you have hundreds of lots--give them lots, Henry, and that will settle all your difficulties. You must remember how all our friends have envied us our lots." "Ay, no fear, but they'll get the lots, my dear--unless, indeed," added the speculator, "I take good care to prevent it. Thank God! I'm not a DECLARED bankrupt. I can yet make my own assignee." "Well, then, I wouldn't say a word about it--declare nothing, and let 'em find out that you have failed, in the best manner they can. Why tell people your distresses, so that they may pity you. I hate pity, above all things--and especially the pity of my own friends." "Oh, that will be dreadful!" put in Eudosia. "For Heaven's sake, Pa, don't let any body pity us."