At first I made all sorts of good resolutions, which I might have kept had not Godfrey Twyneham, whose advice was always practical, been called away at this moment to South America. His father had a branch of his business at Buenos Ayres and Godfrey was destined to manage it, the control of the London house being reserved for the eldest son. He was anxious for me to accompany him and even went to considerable trouble in finding a post for me. I could not, however, bring myself to give up Sibella and at the last moment declined to go. Poor Godfrey! I don’t think he ever quite forgave me, and since then we have not seen much of each other. My fifteen hundred pounds soon began to dwindle. From day to day I salved my conscience by assuring myself that, though I was spending my capital, I was making friends who could not fail to be useful to me. Inwardly I knew perfectly well that the class of young men I was mixing with could never help me to a livelihood. I shut up the house at Clapham and took rooms near Piccadilly, and eighteen months of my life were wasted in unprofitable lounging. I seldom rose till late, and when I was dressed strolled round to a luxurious bar near Bond Street to meet several boon companions and spend the afternoon in tippling. In the evening I frequented those theatres at which the more frivolous pieces were played, and afterwards hung about the stage doors. I soon found myself led into extravagances in the way of little suppers and small presents of jewellery, which made my capital disappear at an alarming rate. Like countless other young men before me, and no doubt since, I was unable to pull up, although I could feel my financial bark throbbing with impending disaster and could hear the roar of the rapids growing nearer and nearer. I shut my eyes and went ahead, hoping for a miracle. Somehow I obtained a reputation for riches for which there were no reasonable grounds. I managed to hold on for a year at high pressure, then for another six months with difficulty, living on the credit that twelve months’ ostentatious solvency had secured me. Then ensued a few months of decline, and on the morning of my twenty-third birthday I found myself heavily in debt and penniless. A few borrowed fivers kept me afloat for a short time and then Lionel Holland put a spoke in my wheel and sent me headlong. I had been asked to a supper given by a friend of mine who had just come of age. He had partaken frequently of my hospitality in my prosperous days, and, having some sense of gratitude, had not omitted me on this important occasion. To my annoyance, I found that Lionel Holland, with whom I did not know my friend was acquainted, was of the party. We welcomed each other with outward civility, but I saw danger in his eye.