“'Mr. Fagan regrets that in the precarious condition of the money market he is obliged to return you the bills, herewith enclosed, without acceptance. Mr. F., having some large and pressing claims to meet, desires to call your attention to the accompanying memorandum, and to ask at what early period it will be your convenience to make an arrangement for its settlement.' “Make out an account and furnish it, Raper; we'll see how he relishes Shylock when he comes to read that.” Joseph sat with the pen in his hand, as if deep in thought. “Do you hear me, Raper?” asked Fagan, in a harsh voice. “I do,” said the other, and proceeded to write. “There's a judgment entered upon Carew's bond of February, isn't there?” “There is! Crowther has it in his office.” “That's right. We 'll see and give him a pleasant honeymoon.” And with these words, uttered with an almost savage malevolence, he passed out into the street. Joe Raper's daily life was a path on which the sunlight seldom fell; but this day it seemed even darker than usual, and as he sat and wrote, many a heavy sigh broke from him, and more than once did he lay down his pen and draw his hand across his eyes. Still he labored on, his head bent down over his desk, in that selfsame spot where he had spent his youth, and was now dropping down into age unnoticed and unthought of. Of those who came and went from that dreary room, who saw and spoke with him, how many were there who knew him, who even suspected what lay beneath that simple exterior! To some he was but the messenger of dark tidings, the agent of those severe measures which Fagan not unfrequently employed against his clients. To others he seemed a cold, impassive, almost misanthropic being, without a tie to bind him to his fellow-man; while not a few even ascribed to his influences all the harshness of the “Grinder.” It is more than likely that he never knew of, never suspected, the different judgments thus passed on him. So humbly did he think of himself, so little disposed was he to fancy that he could be an object of attention to any, the chances are that he was spared this source of mortification. Humility was the basis of his whole character, and by its working was every action of his simple life influenced. It might be a curious subject of inquiry how far this characteristic was fashioned by his habits of reading and of thought. Holding scarcely any intercourse with the world of society, companionless as he was, his associates were the great writers of ancient or modern times,--the mighty spirits whose vast conceptions have created a world of their own. Living amongst them, animated by their glorious sentiments, feeling their thoughts, breathing their words, how natural that he should have fallen back upon himself with a profound sense of his inferiority! How meanly must he have thought of his whole career in life, in presence of such standards!