“The simplest answer to that question would be, that I did do it. But really, after all, the matter is not a very difficult one. I have always been guided by three or four very simple rules, and so long as I stick to them, I don’t think I can go very far amiss. I never invest all my money in one or even two speculations, however promising they may seem. I never run great risks for the sake or problematical great profits. Let my profits be small but sure, and I am quite content. Lastly, I put my money, as far as possible, into concerns that I can examine personally for myself, even though I should have to make a journey of three hundred miles to do it. See the affair with your own eyes, judge it for yourself, and then leave it for your common sense to decide whether you shall put your money into it or no. In all such professions, natural aptitude—the gift that we possess almost unconsciously to ourselves—is the grand secret of success.” “Success in your case means that you are, on the high road to being a millionaire?” “Now you are laughing at me.” “Not at all. I am only judging you by your own standard.” “And is the standard such a very poor one?” “Not a poor one at all, as the world goes. I should like very much to be a millionaire.” “To say that I am not richer to-day than I was the day I was twenty-one would not be true,” said Tom, with a demure smile. “I am years and years, half a lifetime at the very least, from being a millionaire—if; indeed, I ever live to be one. But I no longer live in two cheap rooms in the city, and dine at an eating-house for fifteen pence. I have very nice chambers just out of Piccadilly, where you must look me up when you are next in town. I belong to a club where I have an opportunity of meeting good people—by ‘good people’ I mean people who may some day be useful to me in my struggle through life. Finally, I ride my hack in the Park two or three afternoons a week during the season, and am on bowing terms with a duchess.” “I can no longer doubt that you are a rising man,” said Lionel, with a laugh. “My head is full of schemes of one kind or another,” said Tom, a little wearily. “Or rather it was full of them before I met with that confounded accident. In one or the other of those schemes the duchess will play her part like any other pawn that may be on my chess-board at the time. There is no keener speculator in the whole City of London than her Grace of Leamington.” “What a martyrdom it must seem to you to be shut up here, in this dull old house, so far away from the exciting life you have learned to love so well!”