Sternhold had determined to make this the Belgravia of Stirmingham, and had the plans prepared accordingly. They were something gigantic in costliness and magnificence. His best friends warned and begged him to desist. No; he would go on. Stirmingham would become the finest city in England, and he should be the richest man in Europe. Up rose palatial mansions, broad streets, splendid club-houses—even the foundations of a theatre were laid. And all this was begun at once. Otherwise, Sternhold was afraid that the compass of an ordinary life would not enable him to see these vast designs finished. So that one might walk through streets with whole blocks of houses only one story high. Everything went on swimmingly, till suddenly the mania for speculation which had taken possession of all the kingdom received a sudden check by the failure of a certain famous railway king. As if by magic, all the mighty works at Stirmingham ceased, and Sternhold grew sombre, and wandered about with dejected step. His friends, men of business, reminded him of their former warnings. He bent his head, bit his lip, and said only, “Wait!” Meantime the line had been constructed, but was not opened. The metals were down, but the stations were not built, and the locomotives had not arrived. Everybody was going smash. Several collieries failed; land and houses became cheap. Sternhold invested his uttermost in the same property—bought houses, till he had barely enough to keep him in bread and cheese. Still they laughed and jeered at him, and still he said only, “Wait!” This place, this swamp, seemed to be fated to demonstrate over and over again at one time the futility of human calculation, and at another what enormous things can be accomplished by the efforts of a clever man. Chapter Four. The owner of three parts of Stirmingham—now a monstrous overgrown city, just building a cathedral—actually had nothing but a little bread and cheese for supper. There were people who condoled with him, and offered to lend him sums of money—not large, but very useful to a starving man, one would have thought. He shrugged his shoulders and said, “Thank you; I’ll wait.” Certain keen speculators tried to come round him in twenty different ways. They represented that all this mass of bricks and mortar—this unfinished Belgravia—really was not worth owning; no one could ever find the coin to finish the plans, and house property had depreciated ninety per cent. “Very true,” said Sternhold. “Good morning, gentlemen.” He held on like grim death. Men of genius always do—mark Caesar, and all of them. ’Tis the bulldog that wins. By-and-by things began to take a turn. The markets looked up. Iron and coal got brisker. The first locomotive was put on the line, then another, and another; London could be reached in two hours, goods could be transmitted in six, instead of thirty by the old canal or turnpike.