London abounds with such precocious specimens of thorough heartlessness and worldly-mindedness. The universities and great public schools let loose upon society every half-year a cloud of young men, who think only how soon they can spend their own property in order to prey upon that of others. These are your "young men _about_ town:" as they grow older they become "men _upon_ the town." In their former capacity they graduate in all the degrees of vice, dissipation, extravagance, and debauchery; and in the latter they become the tutors of the novices who are entering in their turn upon the road to ruin. The transition from the young man about town to the man upon the town is as natural as that of a chrysalis to a butterfly. These men _upon_ the town constitute as pestilential a section of male society as the women _of_ the town do of the female portion of the community. They are alike the reptiles produced by the great moral dung-heap. We cannot, however, exactly class Mr. George Montague with the men upon the town in the true meaning of the phrase, inasmuch as he devoted his attention to commercial speculations of all kinds and under all shapes, and his sphere was chiefly the City; whereas men upon the town seldom entertain an idea half "so vulgar" as mercantile pursuits, and never visit the domains of the Lord Mayor save when they want to get a bill discounted, or to obtain cash for a check of too large an amount to be entrusted to any of their high-born and aristocratic companions. Mr. George Montague was, therefore, one of that multitudinous class called "City men," who possess no regular offices, but have their letters addressed to the Auction Mart or Garraway's, and who make their appointments at such places as "the front of the Bank," "the Custom-house Wharf," and "under the clock at the Docks." City men are very extraordinary characters. They all know "a certain speculation that would make a sure fortune, if one had but the capital to work upon;" they never fail to observe, while making this assertion, that they _could_ apply to a friend if they chose, but that they do not choose to lay themselves under the obligation; and they invariably affirm that nothing is more easy than to make a fortune in the City, although the greater portion of them remain without that happy consummation until the day of their deaths. Now and then, however, one of these City men _does_ succeed in "making a hit" by some means or other; and then his old friends, the very men who are constantly enunciating the opinion relative to the facility with which fortunes are obtained in the City, look knowing, wink at each other, and declare "that it never could have been done unless he'd had somebody with plenty of money to back him."