“Mr. Richard Hardie was born and bred in a bank; one where no wild thyme blows, my poor enthusiast, nor cowslips nor the nodding violet grows; but gold and silver chink, and Things are discounted, and men grow rich, slowly but surely, by lawful use of other people's money. Breathed upon by these 'gentle influences,' he was, from his youth, a remarkable man--measured by Trade's standard. At five-and-twenty divine what he did! He saved the bank. You have read of bubbles: the Mississippi Bubble and the South Sea Bubble. Well, in the year 1825, it was not one bubble but a thousand; mines by the score, and in distant lands; companies by the hundred; loans to every nation or tribe; down to Guatemala, Patagonia, and Greece; two hundred new ships were laid on the stocks in one year, for your dear papa told me; in short, a fever of speculation, and the whole nation raging with it: my dear, Princes, Dukes, Duchesses, Bishops, Poets, Lawyers, Physicians, were seen struggling with their own footmen for a place in the Exchange: and, at last, good, steady, old Mr. Hardie, Alfred's grandfather, was drawn into the vortex. Now, to excuse him and appreciate the precocious Richard, you must try and realise that these bubbles, when they rise, are as alluring and reasonable as they are ridiculous and incredible when one looks back on them; even soap bubbles, you know, have rainbow hues till they burst: and, indeed, the blind avarice of men does but resemble the blind vanity of women: look at our grandmothers' hoops, and our mothers' short waists and monstrous heads! Yet in their day what woman did not glory in these insanities? Well then, Mr. Richard Hardie, at twenty-five, was the one to foresee the end of all these bubbles; he came down from London and brought his people to their senses by sober reason and 'sound commercial principles'--that means, I believe, 'get other people's money, but do not risk your own.' His superiority was so clear, that his father resigned the helm to him, and, thanks to his ability, the bank weathered the storm, while all the other ones in the town broke or suspended their trade. Now, you know, youth is naturally ardent and speculative; but Richard Hardie's was colder and wiser than other people's old age: and that is one trait. Some years later, in the height of his prosperity--I reveal this only for your comfort, and on your sacred promise as a person of delicacy, never to repeat it to a soul--Richard Hardie was a suitor for my hand.” “Mamma!”