The stockbroker's fitful slumbers at this time began to be haunted by the vision of a black board fixed against the wall of a public resort, a black board on which appeared his own name. In what strange places feverish dreams showed him this hideous square of painted deal!--Now it was on the walls of the rooms he lived in; now on the door of a church, like Luther's propositions; now at a street-corner, where should have been the name of the street; now inky-black against the fair white headstone of his own grave. Miserable dream, miserable man, for whom the scraping together of sordid dross was life's only object, and who, in losing money, lost all! This agonizing consciousness of loss and of close-impending disgrace was the wolf which this Spartan stockbroker concealed beneath his waistcoat day after day, while the dull common, joyless course of his existence went on; and his shallow wife smiled at him from the opposite side of his hearth, more interested in a new stitch for her crotchet or berlin-wool work than by the inner life of her husband; and Charlotte and her lover contemplated existence from their own point of view, and cherished their own dreams and their own hopes, and were, in all things, as far away from the moody meditator as if they had been natives of Upper India. The ruin which impended over the unlucky speculator was not immediate, but it was not far off; the shadow of it already wrapped him in a twilight obscurity. His repute as a clever and a safe man had left him. He was described now as a daring man; and the wiseacres shook their heads as they talked of him. "One of the next to go will be Sheldon," said the wiseacres; but in these days of commercial epidemic there was no saying who would be the first to go. It was the end of the world in little. One was taken, and another left. The Gazette overran its customary column like a swollen river, and flooded a whole page of the Times newspaper; and men looked to the lists of names in the Wednesday and Saturday papers as to the trump of archangels sounding the destruction of the universe. For some time the bark in which Mr. Sheldon had breasted those turbulent waters had been made of paper. This was nothing. Paper boats were the prevailing shipping in those waters; but Captain Sheldon's bark needed refitting, and the captain feared a scarcity of paper, or, worse still, the awful edict issued from some commercial Areopagus that for him there should be no more paper.