Things had of late grown worse with him every day; for every interval of twenty-four hours sinks a man so much the deeper in the mire when renewed accommodation-bills with his name upon them are ripening in the iron safes of Judah. Philip Sheldon found himself sinking gradually and almost imperceptibly into that bottomless pit of difficulty in whose black depths the demon Insolvency holds his dreary court. While his little capital lasted he had kept himself clear of debt, but that being exhausted, and his practice growing worse day by day, he had been fain to seek assistance from money-lenders; and now even the money-lenders were tired of him. The chair in which he sat, the poker which he swung slowly to and fro as he bent over his hearth, were not his own. One of his Jewish creditors had a bill of sale on his furniture, and he might come home any day to find the auctioneer's bills plastered against the wall of his house, and the auctioneer's clerk busy with the catalogue of his possessions. If the expected victim came now to buy his practice, the sacrifice would be made too late to serve his interest. The men who had lent him the money would be the sole gainers by the bargain. Seldom does a man find himself face to face with a blacker prospect than that which lay before Philip Sheldon; and yet his manner to-night was not the dull blank apathy of despair. It was the manner of a man whose brain is occupied by busy thoughts; who has some elaborate scheme to map out and arrange before he is called upon to carry his plans into action. "It would be a good business for me," he muttered, "if I had pluck enough to carry it through." The fire went out as he sat swinging the poker backwards and forwards. The clocks of Bloomsbury and St. Pancras struck twelve, and still Philip Sheldon pondered and plotted by that dreary hearth. The servants had retired at eleven, after a good deal of blundering with bars and shutters, and unnecessary banging of doors. That unearthly silence peculiar to houses after midnight reigned in Mr. Sheldon's domicile, and he could hear the voices of distant roisterers, and the miauling of neighbouring cats, with a painful distinctness as he sat brooding in his silent room. The fact that a mahogany chiffonier in a corner gave utterance to a faint groan occasionally, as of some feeble creature in pain, afforded him no annoyance. He was superior to superstitious fancies, and all the rappings and scratchings of spirit-land would have failed to disturb his equanimity. He was a strictly practical man--one of those men who are always ready, with a stump of lead-pencil and the back of a letter, to reduce everything in creation to figures.