"Still what, my dear Avenel?" (Randal here for the first time discarded the formal Mister.) MR. AVENEL.--"Still the thing itself is not pleasant." RANDAL (with his soft hollow laugh).--"You mean borrowing money upon more than five per cent?" "Oh, curse the per centage. I agree with Bentham on the Usury Laws--no shackles in trade for me, whether in money or any thing else. That's not it. But when one owes a fellow money even at two per cent, and 'tis not convenient to pay him, why, somehow or other, it makes one feel small; it takes the British Liberty out of a man!" "I should have thought you more likely to lend money than to borrow it." "Well, I guess you are right there, as a general rule. But I tell you what it is, sir; there is too great a mania for competition getting up in this rotten old country of ours. I am as liberal as most men. I like competition to a certain extent, but there is too much of it, sir--too much of it!" Randal looked sad and convinced. But if Leonard had heard Dick Avenel, what would have been his amaze! Dick Avenel rail against competition! Think there could be too much of it? Of course, "heaven and earth are coming together," said the spider when the housemaid's broom invaded its cobweb. Dick was all for sweeping away other cobwebs; but he certainly thought heaven and earth coming together when he saw a great Turk's-head besom poked up at his own. Mr. Avenel in his genius for speculation and improvement, had established a factory at Screwstown, the first which had ever eclipsed the church spire with its Titanic chimney. It succeeded well at first. Mr. Avenel transferred to this speculation nearly all his capital. "Nothing," quoth he, "paid such an interest. Manchester was getting worn out--time to show what Screwstown could do. Nothing like competition." But by-and-by a still greater capitalist than Dick Avenel, finding out that Screwstown was at the mouth of a coal mine, and that Dick's profits were great, erected a still uglier edifice, with a still taller chimney. And having been brought up to the business, and making his residence in the town, while Dick employed a foreman and flourished in London, this infamous competitor so managed, first to share, and then gradually to sequester, the profits which Dick had hitherto monopolized, that no wonder Mr. Avenel thought competition should have its limits. "The tongue touches where the tooth aches," as Dr. Riccabocca would tell us. By little and little our juvenile Talleyrand (I beg the elder great man's pardon) wormed out from Dick this grievance, and in the grievance discovered the origin of Dick's connection with the money-lender.