Part the First
Chapter 1

Harvey Rolfe was old enough to dine with deliberation, young and healthy enough to sauce with appetite the dishes he thoughtfully selected. You perceived in him the imperfect epicure. His club had no culinary fame; the dinner was merely tolerable; but Rolfe's unfinished palate flattered the second-rate cook. He knew nothing of vintages; it sufficed him to distinguish between Bordeaux and Burgundy; yet one saw him raise his glass and peer at the liquor with eye of connoisseur. All unaffectedly; for he was conscious of his shortcoming in the art of delicate living, and never vaunted his satisfactions. He had known the pasture of poverty, and the table as it is set by London landladies; to look back on these things was to congratulate himself that nowadays he dined.

Beyond the achievement of a vague personal distinction at the Metropolitan Club, he had done nothing to make himself a man of note, and it was doubtful whether more than two or three of the members really liked him or regarded him with genuine interest. His introduction to this circle he owed to an old friend, Hugh Carnaby, whose social position was much more clearly defined: Hugh Carnaby, the rambler, the sportsman, and now for a twelvemonth the son-in-law of Mrs. Ascott Larkfield. Through Carnaby people learnt as much of his friend's history as it concerned anyone to know: that Harvey Rolfe had begun with the study of medicine, had given it up in disgust, subsequently was 'in business', and withdrew from it on inheriting a competency. They were natives of the same county, and learnt their Latin together at the Grammar School of Greystone, the midland town which was missed by the steam highroad, and so preserves much of the beauty and tranquillity of days gone by. Rolfe seldom spoke of his own affairs, but in talking of travel he had been heard to mention that his father had engineered certain lines of foreign railway. It seemed that Harvey had no purpose in life, save that of enjoying himself. Obviously he read a good deal, and Carnaby credited him with profound historical knowledge; but he neither wrote nor threatened to do so. Something of cynicism appeared in his talk of public matters; politics amused him, and his social views lacked consistency, tending, however, to an indolent conservatism. Despite his convivial qualities, he had traits of the reserved, even of the unsociable, man: a slight awkwardness in bearing, a mute shyness with strangers, a hesitancy in ordinary talk, and occasional bluntness of assertion or contradiction, suggesting a contempt which possibly he did not intend. Hugh Carnaby declared that the true Rolfe only showed himself after a bottle of wine; maintained, moreover, that Harvey had vastly improved since he entered upon a substantial income. When Rolfe was five and twenty, Hugh being two years younger, they met after a long separation, and found each other intolerable; a decade later their meeting led to hearty friendship. Rolfe had become independent, and was tasting his freedom in a twelvemonth's travel. The men came face to face one day on the deck of a steamer at Port Said. Physically, Rolfe had changed so much that the other had a difficulty in recognising him; morally, the change was not less marked, as Carnaby very soon became aware. At thirty-seven this process of development was by no means arrested, but its slow and subtle working escaped observation unless it were that of Harvey Rolfe himself.

His guest this evening, in a quiet corner of the dining-room where he generally sat, was a man, ten years his junior, named Morphew: slim, narrow-shouldered, with sandy hair, and pale, delicate features of more sensibility than intelligence; restless, vivacious, talking incessantly in a low, rapid voice, with frequent nervous laughs which threw back his drooping head. A difference of costume -- Rolfe wore morning dress, Morphew the suit of ceremony -- accentuated the younger man's advantage in natural and acquired graces; otherwise, they presented the contrast of character and insignificance. Rolfe had a shaven chin, a weathered complexion, thick brown hair; the penumbra of middle-age had touched his countenance, softening here and there a line which told of temperament in excess. At this moment his manner inclined to a bluff jocularity, due in some measure to the bottle of wine before him, as also was the tinge of colour upon his cheek; he spoke briefly, but listened with smiling interest to his guest's continuous talk. This ran on the subject of the money-market, with which the young man boasted some practical acquaintance.

'You don't speculate at all?' Morphew asked.

'Shouldn't know how to go about it,' replied the other in his deeper note.

'It seems to me to be the simplest thing in the world if one is content with moderate profits. I'm going in for it seriously -- cautiously -- as a matter of business. I've studied the thing -- got it up as I used to work at something for an exam. And here, you see, I've made five pounds at a stroke -- five pounds! Suppose I make that every now and then, it's worth the trouble, you know -- it mounts up. And I shall never stand to lose much. You see, it's Tripcony's interest that I should make profits.'

'I'm not quite sure of that.'

'Oh, but it is! Let me explain --'

These two had come to know each other under peculiar circumstances a year ago. Rolfe was at Brussels, staying -- his custom when abroad -- at a hotel unfrequented by English folk. One evening on his return from the theatre, he learnt that a young man of his own nationality lay seriously ill in a room at the top of the house. Harvey, moved by compassion, visited the unfortunate Englishman, listened to his ravings, and played the part of Good Samaritan. On recovery, the stranger made full disclosure of his position. Being at Brussels on a holiday, he had got into the company of gamblers, and, after winning a large sum (ten thousand francs, he declared), had lost not only that, but all else. that he possessed, including his jewellery. He had gambled deliberately; he wanted money, money, and saw no other way of obtaining it. In the expansive mood of convalescence, Cecil Morphew left no detail of his story unrevealed. He was of gentle birth, and had a private income of three hundred pounds, charged upon the estate of a distant relative; his profession (the bar) could not be remunerative for years, and other prospects he had none. The misery of his situation lay in the fact that he was desperately in love with the daughter of people who looked upon him as little better than a pauper. The girl had pledged herself to him, but would not marry without her parents' consent, of which there was no hope till he had at least trebled his means. His choice of a profession was absurd, dictated merely by social opinion; he should have been working hard in a commercial office, or at some open-air pursuit. Naturally he turned again to the thought of gambling, this time the great legalised game of hazard, wherein he was as little likely to prosper as among the blacklegs of Brussels. Rolfe liked him for his ingenuousness, and for the vein of poetry in his nature. The love affair still went on, but Morphew seldom alluded to it, and his seasoned friend thought of it as a youthful ailment which would pass and be forgotten.

'I'm convinced,' said the young man presently, 'that any one who really gives his mind to it can speculate with moderate success. Look at the big men -- the brokers and the company promoters, and so on; I've met some of them, and there's nothing in them -- nothing! Now, there's Bennet Frothingham. You know him, I think?'

Rolfe nodded.

'Well, what do you think of him? Isn't he a very ordinary fellow? How has he got such a position? I'm told he began just in a small way -- by chance. No doubt he found it so easy to make money he was surprised at his success. Tripcony has told me a lot about him. Why, the "Britannia" brings him fifteen thousand a year; and he must be in a score of other things.'

'I know nothing about the figures,' said Rolfe, 'and I shouldn't put much faith in Tripcony; but Frothingham, you may be sure, isn't quite an ordinary man.'

'Ah, well, of course there's a certain knack -- and then, experience --'

Morphew emptied his glass, and refilled it. Nearly all the tables in the room were now occupied, and the general hum of talk gave security to intimate dialogue. Flushed and bright-eyed, the young man presently leaned forward.

'If I could count upon five hundred, she would take the step.'


'Yes, that's settled. What do you think? Plenty of people live very well on less.'

'You want my serious opinion?'

'If you can be serious.'

'Then I think that the educated man who marries on less than a thousand is either mad or a criminal.'

'Bosh! We won't talk about it.'

They rose, and walked towards the smoking-room, Rolfe giving a nod here and there as he passed acquaintances. In the hall someone addressed him.

'How does Carnaby take this affair?'

'What affair?'

'Don't you know? Their house has been robbed -- stripped. It's in the evening papers.'

Rolfe went on into the smoking-room, and read the report of his friend's misfortune. The Carnabys occupied a house in Hamilton Terrace. During their absence from home last night, there had been a clean sweep of all such things of value as could easily be removed. The disappearance of their housekeeper, and the fact that this woman had contrived the absence of the servants from nine o'clock till midnight, left no mystery in the matter. The clubmen talked of it with amusement. Hard lines, to be sure, for Carnaby, and yet harder for his wife, who had lost no end of jewellery; but the thing was so neatly and completely done, one must needs laugh. One or two husbands who enjoyed the luxury of a housekeeper betrayed their uneasiness. A discussion arose on the characteristics of housekeepers in general, and spread over the vast subject of domestic management, not often debated at the Metropolitan Club. In general talk of this kind Rolfe never took part; smoking his pipe, he listened and laughed, and was at moments thoughtful. Cecil Morphew, rapidly consuming cigarettes as he lay back in a soft chair, pointed the moral of the story in favour of humble domesticity.

In half an hour, his guest having taken leave, Rolfe put on his overcoat, and stepped out into the cold, clammy November night. He was overtaken by a fellow Metropolitan -- a grizzled, scraggy-throated, hollow-eyed man, who laid a tremulous hand upon his arm.

'Excuse me, Mr. Rolfe, have you seen Frothingham recently?'

'Not for a month.'

'Ah! I thought perhaps -- I was wondering what he thought about the Colebrook smash. To tell you the truth, I've heard unpleasant rumours. Do you -- should you think the Colebrook affair would affect the "Britannia" in any way?'

It was not the first time that this man had confided his doubts and timidities to Harvey Rolfe; he had a small, but to him important, interest in Bennet Frothingham's wide-reaching affairs, and seemed to spend most of his time in eliciting opinion on the financier's stability.

'Wouldn't you be much more comfortable,' said Rolfe, rather bluntly, 'if you had your money in some other kind of security?'

'Ah, but, my dear sir, twelve and a half per cent -- twelve and a half! I hold preference shares of the original issue.'

'Then I'm afraid you must take your chance.'

'But,' piped the other in alarm, 'you don't mean that --'

'I mean nothing, and know nothing. I'm the last man to consult about such things.'

And Rolfe, with an abrupt 'Goodnight,' beckoned to a passing hansom. The address he gave was Hugh Carnaby's, in Hamilton Terrace.

Twice already the horse had slipped at slimy crossings, when, near the top of Regent Street, it fell full length, and the abrupt stoppage caused a collision of wheels with another hansom which was just passing at full speed in the same direction. Rolfe managed to alight in the ordinary way, and at once heard himself greeted by a familiar voice from the other cab. His acquaintance showed a pallid, drawn, all but cadaverous visage, with eyes which concealed pain or weariness under their friendly smile. Abbott was the man's name. Formerly a lecturer at a provincial college, he had resigned his post on marrying, and taken to journalism.

'I want to speak to you, Rolfe,' he said hurriedly, 'but I haven't a moment to spare. Going to Euston -- could you come along for a few minutes?'

The vehicles were not damaged; Abbott's driver got quickly out of the crowd, and the two men continued their conversation.

'Do you know anything of Wager?' inquired the journalist, with a troubled look.

'He came to see me a few evenings ago -- late.'

'Ha, he did! To borrow money, wasn't it?'

'Well, yes.'

'I thought so. He came to me for the same. Said he'd got a berth at Southampton. Lie, of course. The fellow has disappeared, and left his children -- left them in a lodging-house at Hammersmith. How's that for cool brutality? The landlady found my wife's address, and came to see her. Address left out on purpose, I dare say. There was nothing for it but to take care of the poor little brats. -- Oh, damn!'

'What's the matter?'

'Neuralgia -- driving me mad. Teeth, I think. I'll have every one wrenched out of my head if this goes on. Never mind. What do you think of Wager?'

'I remember, when we were at Guy's, he used to advocate the nationalisation of offspring. Probably he had some personal interest in the matter, even then.'

'Hound! I don't know whether to set the police after him or not. It wouldn't benefit the children. I suppose it's no use hunting for his family?'

'Not much, I should say.'

'Well, lucky we have no children of our own. Worst of it is, I don't like the poor little wretches, and my wife doesn't either. We must find a home for them.'

'I say, Abbott, you must let me go halves at that.'

'Hang it, no! Why should you support Wager's children? They're relatives of ours, unfortunately. But I wanted to tell you that I'm going down to Waterbury.' He looked at his watch. 'Thirteen minutes -- shall I do it? There's a good local paper, the Free Press, and I have the offer of part-ownership. I shall buy, if possible, and live in the country for a year or two, to pick up my health. Can't say I love London. Might get into country journalism for good. Curse this torment!'

In Tottenham Court Road, Rolfe bade his friend goodbye, and the cab rushed on.