The panic and excitement of that day--how the funds went down to 35; the run upon the bank and its stoppage; the fall of half the houses in the city; how the Government issued a notification suspending specie payment and the tendering of bills--this last precaution too late for most firms, Graham & Co. among the number, which stopped payment as soon as my father got to the office; the call to arms and the unanimous response of the country--all this is history which I need not repeat. You wish to hear about my own share in the business of the time. Well, volunteering had increased immensely from the day war was proclaimed, and our regiment went up in a day or two from its usual strength of 600 to nearly 1,000. But the stock of rifles was deficient. We were promised a further supply in a few days, which however, we never received; and while waiting for them the regiment had to be divided into two parts, the recruits drilling with the rifles in the morning, and we old hands in the evening. The failures and stoppage of work on this black Friday threw an immense number of young men out of employment, and we recruited up to 1,400 strong by the next day; but what was the use of all these men without arms? On the Saturday it was announced that a lot of smooth-bore muskets in store at the Tower would be served out to regiments applying for them, and a regular scramble took place among the volunteers for them, and our people got hold of a couple of hundred. But you might almost as well have tried to learn rifle-drill with a broom-stick as with old brown bess; besides, there was no smooth-bore ammunition in the country. A national subscription was opened for the manufacture of rifles at Birmingham, which ran up to a couple of millions in two days, but, like everything else, this came too late. To return to the volunteers: camps had been formed a fortnight before at Dover, Brighton, Harwich, and other places, of regulars and militia, and the headquarters of most of the volunteer regiments were attached to one or other of them, and the volunteers themselves used to go down for drill from day to day, as they could spare time, and on Friday an order went out that they should be permanently embodied; but the metropolitan volunteers were still kept about London as a sort of reserve, till it could be seen at what point the invasion would take place. We were all told off to brigades and divisions. Our brigade consisted of the 4th Royal Surrey Militia, the 1st Surrey Administrative Battalion, as it was called, at Clapham, the 7th Surrey Volunteers at Southwark, and ourselves; but only our battalion and the militia were quartered in the same place, and the whole brigade had merely two or three afternoons together at brigade exercise in Bushey Park before the march took place. Our brigadier belonged to a line regiment in Ireland, and did not join till the very morning the order came. Meanwhile, during the preliminary fortnight, the militia colonel commanded.