"Very much of all this is a part of the same lamentable illusion," said John Effingham, as the carriages made their way slowly through the encumbered streets. "The man who sells his inland lots at a profit, secured by credit, fancies himself enriched, and he extends his manner of living in proportion; the boy from the country becomes a merchant, or what is here called a merchant, and obtains a credit in Europe a hundred times exceeding his means, and caters to these fancied wants; and thus is every avenue of society thronged with adventurers, the ephemera of the same wide-spread spirit of reckless folly. Millions in value pass out of these streets, that go to feed the vanity of those who fancy themselves wealthy, because they hold some ideal pledges for the payment of advances in price like those mentioned by the auctioneer, and which have some such security for the eventual payment, as one can find in _calling_ a thing, that is really worth a dollar, worth a hundred." "Are the effects of this state of things apparent in your ordinary associations?" "In every thing. The desire to grow suddenly rich has seized on all classes. Even women and clergymen are infected, and we exist under the active control of the most corrupting of all influences--'the love of money.' I should despair of the country altogether, did I not feel certain that the disease is too violent to last, and entertain a hope that the season of calm reflection and of repentance, that is to follow, will be in proportion to its causes." After taking this view of the town, the party returned to Hudson Square, where the baronet dined, it being his intention to go to Washington on the following day. The leave-taking in the evening was kind and friendly; Mr. Effingham, who had a sincere regard for his late fellow-traveller, cordially inviting him to visit him in the mountains in June. As Sir George took his leave, the bells began to ring for a fire. In New-York one gets so accustomed to these alarms, that near an hour had passed before any of the Effingham family began to reflect on the long continuance of the cries. A servant was then sent out to ascertain the reason, and his report made the matter more serious than usual.