Part of my income was derived from interest on money lent to a cousin. Without any warning I had a letter to say that he was bankrupt, and that his estate would probably not pay eighteenpence in the pound. It was quite clear that I must economise, and what to do and whither to go was an insoluble problem to me. By chance I met an old City acquaintance who told me of a ‘good thing’ in Spanish bonds which, when information was disclosed which he possessed, were certain to rise twenty per cent. If what he said was true—and I had no reason to doubt him—I could easily get back without much risk about two-thirds of the money I had lost. Had I been in full work, I do not believe I should have wasted a shilling on the speculation, but the excitement attracted me, and I ventured a considerable sum. In about a fortnight there was a sudden jump of two per cent. in my securities, and I was so much elated that I determined to go farther. I doubled my stake; in three weeks another rise was announced; I again increased the investment, and now I watched the market with feverish eagerness. One day I was downstairs a quarter of an hour earlier than usual waiting for the boy who brought the paper. I tore it open and to my horror saw that there was a panic on the Stock Exchange; my bonds were worthless, and I was ruined. I had always secretly feared that this would happen, and that I should be so distracted as to lose my reason. To my surprise, I was never more self-possessed, and I was not so miserable as might have been expected. I at once gave notice of discharge to my servants, sold nearly all my furniture and let my house. I was offered help, but declined it. I moved into a little villa in one of the new roads then being made at Brixton, and found that I possessed a capital which, placed in Consols—for I would not trust anything but the public funds—brought me one hundred and twenty-five pounds a year. This was not enough for my niece, myself and a maid, and I was forced to consider whether I could not obtain some employment. To return to Eastcheap was clearly out of the question, but there was a possibility, although I was fifty-six, that my experience might make me useful elsewhere. I therefore called on Jackman and Larkins at twelve o’clock, the hour at which I knew there was a chance of finding them able to see me. During my prosperity I always walked straight into their room marked ‘private,’ but now I went into the clerks’ office, took off my hat and modestly inquired if either Mr. Jackman or Mr. Larkins could spare me a minute. I was not asked to sit down—I, to whom these very clerks a little over a twelvemonth ago would have risen when I entered; but my message was taken, and I was told in reply that both Mr. Jackman and Mr. Larkins were engaged. I was bold enough to send in another message and was informed I might call in two hours’ time. I went out, crossed London Bridge, and seeing the doors of St.