"Oh, he’s a lunatic! Wants the loan of twenty pounds on a house and lot he says he owns down in Deptford. Sailors are generally cranky, you know, and I thought I would talk with him a little just to get his ideas, and see if it would be worth our while to risk the venture, with the possibility of becoming the owner of his property. But I’m convinced the fellow’s a fraud." "If he’s a lunatic I think you must be a greater one!" I exclaimed, and then feeling sure that he was putting me off with nonsense to avoid questioning, I turned the subject, and commenced talking about the weather. We did not allude to the sailor again, and I concluded that Torrence had simply run across some poor fellow who he thought might be useful to him, although how, I could not imagine. The next morning we separated, and I waved Torrence a farewell as he took his seat on an omnibus, with Gladstone bag and umbrella. I stood watching him until the ’bus had turned a corner, and then directed my steps toward Paternoster row, with a bundle of MSS. under my arm. I do not propose to harrow myself with a recital of the bitter disappointments I underwent in that quarter of the city, nor is it important for the identification of the Attlebridges as the real participants in the marvels about to be recounted, that I should do more than allude to the fact that the firm of Crumb & Crumpet, after much haggling as to terms, long and tedious discussion regarding merit and character, finally refused my book, as well as all shorter papers submitted to them; a fact which those gentlemen will doubtless remember, should their attention be called to it. Our lodgings were dreary enough at best, but now that I was alone they seemed unbearable. Beyond my own gloomy feelings, I was made to participate in those of my landlady, who constantly annoyed me with accounts of her financial difficulties; her inability to pay her rent, and the dread that she would be evicted. Greatly against my better judgment, she succeeded in coaxing me into the loan of a pound, a thing I could not afford, but which I did, partly out of sympathy, and partly to get rid of her importunities.