Mr Perch always closed these conferences by meekly remarking, That, of course, whatever his suspicions might have been (as if he had ever had any!) it wasn't for him to betray his trust, was it? Which sentiment (there never being any creditors present) was received as doing great honour to his feelings. Thus, he generally brought away a soothed conscience and left an agreeable impression behind him, when he returned to his bracket: again to sit watching the strange faces of the accountants and others, making so free with the great mysteries, the Books; or now and then to go on tiptoe into Mr Dombey's empty room, and stir the fire; or to take an airing at the door, and have a little more doleful chat with any straggler whom he knew; or to propitiate, with various small attentions, the head accountant: from whom Mr Perch had expectations of a messengership in a Fire Office, when the affairs of the House should be wound up.

To Major Bagstock, the bankruptcy was quite a calamity. The Major was not a sympathetic character - his attention being wholly concentrated on J. B. - nor was he a man subject to lively emotions, except in the physical regards of gasping and choking. But he had so paraded his friend Dombey at the club; had so flourished him at the heads of the members in general, and so put them down by continual assertion of his riches; that the club, being but human, was delighted to retort upon the Major, by asking him, with a show of great concern, whether this tremendous smash had been at all expected, and how his friend Dombey bore it. To such questions, the Major, waxing very purple, would reply that it was a bad world, Sir, altogether; that Joey knew a thing or two, but had been done, Sir, done like an infant; that if you had foretold this, Sir, to J. Bagstock, when he went abroad with Dombey and was chasing that vagabond up and down France, J. Bagstock would have pooh-pooh'd you - would have pooh- pooh'd you, Sir, by the Lord! That Joe had been deceived, Sir, taken in, hoodwinked, blindfolded, but was broad awake again and staring; insomuch, Sir, that if Joe's father were to rise up from the grave to-morrow, he wouldn't trust the old blade with a penny piece, but would tell him that his son Josh was too old a soldier to be done again, Sir. That he was a suspicious, crabbed, cranky, used-up, J. B. infidel, Sir; and that if it were consistent with the dignity of a rough and tough old Major, of the old school, who had had the honour of being personally known to, and commended by, their late Royal Highnesses the Dukes of Kent and York, to retire to a tub and live in it, by Gad! Sir, he'd have a tub in Pall Mall to-morrow, to show his contempt for mankind!'

Of all this, and many variations of the same tune, the Major would deliver himself with so many apoplectic symptoms, such rollings of his head, and such violent growls of ill usage and resentment, that the younger members of the club surmised he had invested money in his friend Dombey's House, and lost it; though the older soldiers and deeper dogs, who knew Joe better, wouldn't hear of such a thing. The unfortunate Native, expressing no opinion, suffered dreadfully; not merely in his moral feelings, which were regularly fusilladed by the Major every hour in the day, and riddled through and through, but in his sensitiveness to bodily knocks and bumps, which was kept continually on the stretch. For six entire weeks after the bankruptcy, this miserable foreigner lived in a rainy season of boot-jacks and brushes.

Mrs Chick had three ideas upon the subject of the terrible reverse. The first was that she could not understand it. The second, that her brother had not made an effort. The third, that if she had been invited to dinner on the day of that first party, it never would have happened; and that she had said so, at the time.

Nobody's opinion stayed the misfortune, lightened it, or made it heavier. It was understood that the affairs of the House were to be wound up as they best could be; that Mr Dombey freely resigned everything he had, and asked for no favour from anyone.