Mark’s heart was somewhat lighter as he left the bank. Mr. Forrest had made so little of the whole transaction that he felt himself justified in making little of it also. “It may be as well,” said he to himself, as he drove home, “not to tell Fanny anything about it till the three months have run round. I must make some arrangement then.” And in this way his mind was easier during the last of those three months than it had been during the two former. That feeling of over-due bills, of bills coming due, of accounts overdrawn, of tradesmen unpaid, of general money cares, is very dreadful at first; but it is astonishing how soon men get used to it. A load which would crush a man at first becomes, by habit, not only endurable, but easy and comfortable to the bearer. The habitual debtor goes along jaunty and with elastic step, almost enjoying the excitement of his embarrassments. There was Mr. Sowerby himself; who ever saw a cloud on his brow? It made one almost in love with ruin to be in his company. And even now, already, Mark Robarts was thinking to himself quite comfortably about this bill;—how very pleasantly those bankers managed these things. Pay it! No; no one will be so unreasonable as to expect you to do that! And then Mr. Sowerby certainly was a pleasant fellow, and gave a man something in return for his money. It was still a question with Mark whether Lord Lufton had not been too hard on Sowerby. Had that gentleman fallen across his clerical friend at the present moment, he might no doubt have gotten from him an acceptance for another four hundred pounds. One is almost inclined to believe that there is something pleasurable in the excitement of such embarrassments, as there is also in the excitement of drink. But then, at last, the time does come when the excitement is over, and when nothing but the misery is left. If there be an existence of wretchedness on earth it must be that of the elderly, worn-out _roué_, who has run this race of debt and bills of accommodation and acceptances,—of what, if we were not in these days somewhat afraid of good broad English, we might call lying and swindling, falsehood and fraud—and who, having ruined all whom he should have loved, having burnt up every one who would trust him much, and scorched all who would trust him a little, is at last left to finish his life with such bread and water as these men get, without one honest thought to strengthen his sinking heart, or one honest friend to hold his shivering hand! If a man could only think of that, as he puts his name to the first little bill, as to which he is so good-naturedly assured that it can easily be renewed!