I really cannot say how deeply touched I was by this man's gentle kindness, and the more because of its contrast with my treatment by the well-paid official, and I made a mental vow that if ever I were able to repay him, I would be as lavish in doing so as my circumstances would permit. Then I told him that I could not be so brutally independent as to throw his kindness back at him, and I would accept his help with gratitude. He nodded gravely, took the papers from me, drew his fountain pen from his pocket, and sat down to work. Now for anything I know it may be necessary to make the formulæ of bankruptcy proceedings as difficult, technical, and prolix as possible, not being an expert I dare not offer an opinion, but I do know that this expert who had now come to my assistance, although working with great skill and rapidity, took several hours to prepare the documents demanded, and then much of what was put down was fiction, had to be, since I had kept no books, and even though my memory was phenomenally good, it was far from equal to the demands now made upon it. But at last the dread business was complete, we took those forms to another official who merely glanced through them, secured them together with green cord, and handed us a piece of parchment (I believe) which we had to write certain matters upon, and then take to another part of the building to be stamped. Up till now I had only paid £5, but now I was to disburse another £5 for the privilege of becoming a bankrupt, the first £5 having been as security for costs. So we handed the mystic document we bore to a man who looked like a superior workman, who took it from us, and held out his hand for my £5. When I had paid him, he took a stamp from a drawer, and after pumice-stoning the parchment in a certain place, and doing something else to the back of the stamp, carried the latter over to where a glue-pot stood simmering on a gas ring. Here he anointed the stamp, placed it on the document, put the latter in a press, and then obliterated the stamp in two or three other ways. I never saw so much work upon a stamp before. But then, to be sure, it was a stamp representing £5 sterling. This operation was almost the last for the day, which was now wearing to a close. My good friend, Mr Hardhat, merely took the last document to another part of the building while I waited for him. When he returned he told me that my preliminary examination was fixed for the second day afterwards at eleven in the morning, and that until then nothing further could be done. But he also assured me that I was now _ipso facto_ bankrupt, and that I was on no account to pay anybody anything on account of debt, for that would be a misdemeanour. If any of my creditors took action, with the exception of the landlord, who might distrain for his overdue rent, I had only to show them a certain slip of paper I possessed, and that would, in sea-metaphor, choke their luffs.