They were speaking of a Mr. Marks. He was a relation of Mrs. Todhetley's; a second or third cousin. She had not seen him since she was a girl, when he used sometimes to come and stay at her father's. He seemed not to have got on very well in life; was only a clerk on a small salary, was married and had some children. A letter now and then passed between them and Mrs. Todhetley, but no other acquaintanceship had been kept up. About a month before this, Mrs. Todhetley had written to ask how they were going on; and the wife in answering--for it was she who wrote--said her husband was killing himself with work, and she quite believed he would break down for good unless he had a rest. We heard more about it later. James Marks was clerk in the great financial house of Brown and Co. Not particularly great as to reputation, for they made no noise in the world, but great as to their transactions. They did a little banking in a small way, and had mysterious money dealings with no end of foreign places: but if you had gone into their counting-house in London you'd have seen nothing to show for it, except Mr. Brown seated at a table-desk in a small room, and half-a-dozen clerks, or so, writing hard, or bending over columns of figures, in a larger one. Mr. Brown was an elderly little gentleman in a chestnut wig, and the "Co." existed only in name. James Marks had been thrown on the world when he was seventeen, with a good education, good principles, and a great anxiety to get on in life. He had to do it; for he had only himself to look to--and, mind you, I have lived long enough to learn that that's not at all the worst thing a young man can have. When some friends of his late father's got him into Brown and Co.'s house, James Marks thought his fortune was made. That is, he thought he was placed in a position to work up to one. But no. Here he was, getting on for forty years of age, and with no more prospect of fortune, or competency either, than he had had at the beginning. How many clerks, and especially bankers' clerks, are there in that City of London now who could say the same! Who went into their house (whatsoever it may be) in the hey-day of youth, exulting in their good luck in having obtained the admission for which so many others were striving. They saw not the long years of toil before them, the weary days of close work, with no rest or intermission, except Sunday; they saw not the struggle to live and pay; they saw not themselves middle-aged men, with a wife and family, hardly able to keep the wolf from the door. It was James Marks's case. He had married. And what with having to keep up the appearance of gentlepeople (at least to make a pretence at it) and to live in a decent-looking dwelling, and to buy clothes, and to pay doctors' bills and children's schooling, I'll leave you to guess how much he had left for luxuries out of his two hundred a year.