Which was particularly hard, seeing the creditors were far from charmed with either Mortomley or his trustee, and that Mortomley, who had once hoped to pay everybody, and retain Homewood, was less charmed still. Why Mortomley felt dissatisfied has been explained. Why the creditors were dissatisfied can easily be understood, when it is stated that as week after week passed away, their hopes of a dividend grew less and less. At first, when they repaired to Mr. Swanland's office for information concerning a dividend, they asked "when?" but afterwards they began to ask "what?" And thus, by easy degrees, they were let down to "never," and "nothing." This was usually the case at Asherill's, except when the risk of a company chanced to be unlimited, and the contributaries solvent, or when a company was limited, and the shares had not been so fully paid up but that the promoters, and the advertising agent, and the liquidator, and the lawyers could afford to leave, perhaps, threepence in the pound for other creditors. Given a private estate, and it generally came out from Asherill's clear of meat as a picked bone. For this pleasing comparison I am, indeed, indebted to an expression used in Salisbury House. "We have been rather slack lately," said a clerk jubilantly, "but we have got a meaty bone now." And why should the young fellow not have been jubilant? Before Calcraft retired from that profession which he so much adorned, he was pleased doubtless to know a man had been sentenced to be hung by the neck till he was dead. There is a pleasing adaptability about human nature which enables it to forget the possible pain the gratification of its own pleasure may involve to its fellow-creature; and there can be no question but that Mr. Swanland regarded, and perhaps reasonably, the insane struggles of victims, who felt the hooks of liquidation troublesome, as Calcraft might the mad fight of a criminal against the needful pinioning which enabled matters to go off so decently and quietly about eight o'clock on certain Monday mornings in his memory. Nevertheless, and though he, at all events, must have had his innings out of Mortomley's estate, Mr. Swanland felt disgusted at the result of his own management of the affair. Not because he had failed to pay the creditors even a farthing in the pound. To do Mr. Swanland strict justice, he looked upon creditors as he looked upon a debtor, namely, as natural enemies. He hated a debtor because the debtor's creditors gave him trouble, and he hated creditors because they gave him trouble; therefore he was, putting so much personal profit in the bankrupt scale, able to hold the beam straight, and declare both bankrupt and creditor to be equally obnoxious.