the ostentatious marks of wealth (there are persons enough to admire them without me)—but I confess, there is something in the look of the old banking-houses in Lombard Street, the posterns covered with mud, the doors opening sullenly and silently, the absence of all pretence, the darkness and the gloom within, the gleaming of lamps in the day-time, ‘Like a faint shadow of uncertain light,’ that almost realises the poetical conception of the cave of Mammon in Spenser, where dust and cobwebs concealed the roofs and pillars of solid gold, and lifts the mind quite off its ordinary hinges. The account of the manner in which the founder of Guy’s Hospital accumulated his immense wealth has always to me something romantic in it, from the same force of contrast. He was a little shopkeeper, and out of his savings bought Bibles, and purchased seamen’s tickets in Queen Anne’s wars, by which he left a fortune of two hundred thousand pounds. The story suggests the idea of a magician; nor is there anything in the Arabian Nights that looks more like a fiction. ESSAY XII ON WILL-MAKING Few things show the human character in a more ridiculous light than the circumstance of will-making. It is the latest opportunity we have of exercising the natural perversity of the disposition, and we take care to make a good use of it. We husband it with jealousy, put it off as long as we can, and then use every precaution that the world shall be no gainer by our deaths. This last act of our lives seldom belies the former tenor of them, for stupidity, caprice, and unmeaning spite. All that we seem to think of is to manage matters so (in settling accounts with those who are so unmannerly as to survive us) as to do as little good, and to plague and disappoint as many people as possible.