"My father was a grocer, in a large way of business, at Southampton. He was a widower; and I was his only son. I was considered to be a steady, exemplary young man; and I can safely say that I attended studiously to my father's business. I never frequented public-houses, but went to church regularly of a Sunday, and was fond of reading good books. Next door to us there lived a corn-dealer of the name of Wilmot;—he also was a widower, and had one child. This was a beautiful girl, about a year or two younger than myself, and whose name was Harriet. The two families had been acquainted for a long, long time; and Harriet and myself were playmates in our infancy. We were therefore very intimate together; and the friendship of childhood ripened into love as we grew up. And, oh! how I did adore that girl! From amidst all the coarse, worldly, and abominable ideas which have of late years crowded in my brain, I have ever singled out that one bright—pure—and holy sentiment as a star that points to a blissful episode in my life. And she loved me in return! Our parents were pleased when they saw our attachment; and it was understood that our marriage should take place on the day that I attained my one-and-twentieth year. It only wanted seven or eight months to that period, when an event occurred which quite changed the prospect of affairs. The local bank failed, and old Wilmot was ruined." Smithers paused for a moment, heaved a deep sigh, and then continued thus:— "Wilmot immediately came to my father and addressed him in these words: '_The failure of the bank will throw me into the Gazette, if I cannot raise twelve or fifteen hundred pounds within a week to sustain my credit. That difficulty being overcome, I have no doubt of retrieving myself altogether._' My father expressed his great delight at hearing this latter announcement, but instinctively buttoned up his breeches-pockets. Wilmot proceeded to state that he could raise the sum he required if my father would guarantee its repayment. My father was a money-making, close man; and this proposal astounded him. He refused it point blank: Wilmot begged and implored him to save him from ruin;—but all in vain. In the course of ten days the name of Joseph Wilmot, corn-dealer, figured in the list of Bankrupts." Again Smithers paused for a few moments.