She often threatened to complain of that boy--a merry, mischievous young imp--to Mr. Craven; but she never did so. Perhaps because the clerks always gave her rapt attention; and an interested audience was very pleasant to Miss Blake. Considering the nature of Mr. Elmsdale's profession, Miss Blake had possibly some reason to complain of the extremely unprofitable manner in which he cut up. He was what the lady described as "a dirty money-lender." Heaven only knows how he drifted into his occupation; few men, I imagine, select such a trade, though it is one which seems to exercise an enormous fascination for those who have adopted it. The only son of a very small builder who managed to leave a few hundred pounds behind him for the benefit of Elmsdale, then clerk in a contractor's office, he had seen enough of the anxieties connected with his father's business to wash his hands of bricks and mortar. Experience, perhaps, had taught him also that people who advanced money to builders made a very nice little income out of the capital so employed; and it is quite possible that some of his father's acquaintances, always in want of ready cash, as speculative folks usually are, offered such terms for temporary accommodation as tempted him to enter into the business of which Miss Blake spoke so contemptuously. Be this as it may, one thing is certain--by the time Elmsdale was thirty he had established a very nice little connection amongst needy men: whole streets were mortgaged to him; terraces, nominally the property of some well-to-do builder, were virtually his, since he only waited the well-to-do builder's inevitable bankruptcy to enter into possession. He was not a sixty per cent man, always requiring some very much better security than "a name" before parting with his money; but still even twenty per cent, usually means ruin, and, as a matter of course, most of Mr. Elmsdale's clients reached that pleasant goal. They could have managed to do so, no doubt, had Mr. Elmsdale never existed; but as he was in existence, he served the purpose for which it seemed his mother had borne him; and sooner or later--as a rule, sooner than later--assumed the shape of Nemesis to most of those who "did business" with him. There were exceptions, of course. Some men, by the help of exceptional good fortune, roguery, or genius, managed to get out of Mr. Elmsdale's hands by other paths than those leading through Basinghall or Portugal Streets; but they merely proved the rule. Notably amongst these fortunate persons may be mentioned a Mr. Harrison and a Mr. Harringford--'Arrison and 'Arringford, as Mr. Elmsdale called them, when he did not refer to them as the two Haitches.