'I only hope, ma'am,' pursued Bitzer, 'that his friend and relation may not supply him with the means of carrying on. Otherwise, ma'am, we know out of whose pocket that money comes.'

'Ah - h!' sighed Mrs. Sparsit again, with another melancholy shake of her head.

'He is to be pitied, ma'am. The last party I have alluded to, is to be pitied, ma'am,' said Bitzer.

'Yes, Bitzer,' said Mrs. Sparsit. 'I have always pitied the delusion, always.'

'As to an individual, ma'am,' said Bitzer, dropping his voice and drawing nearer, 'he is as improvident as any of the people in this town. And you know what their improvidence is, ma'am. No one could wish to know it better than a lady of your eminence does.'

'They would do well,' returned Mrs. Sparsit, 'to take example by you, Bitzer.'

'Thank you, ma'am. But, since you do refer to me, now look at me, ma'am. I have put by a little, ma'am, already. That gratuity which I receive at Christmas, ma'am: I never touch it. I don't even go the length of my wages, though they're not high, ma'am. Why can't they do as I have done, ma'am? What one person can do, another can do.'

This, again, was among the fictions of Coketown. Any capitalist there, who had made sixty thousand pounds out of sixpence, always professed to wonder why the sixty thousand nearest Hands didn't each make sixty thousand pounds out of sixpence, and more or less reproached them every one for not accomplishing the little feat. What I did you can do. Why don't you go and do it?

'As to their wanting recreations, ma'am,' said Bitzer, 'it's stuff and nonsense. I don't want recreations. I never did, and I never shall; I don't like 'em. As to their combining together; there are many of them, I have no doubt, that by watching and informing upon one another could earn a trifle now and then, whether in money or good will, and improve their livelihood. Then, why don't they improve it, ma'am! It's the first consideration of a rational creature, and it's what they pretend to want.'

'Pretend indeed!' said Mrs. Sparsit.

'I am sure we are constantly hearing, ma'am, till it becomes quite nauseous, concerning their wives and families,' said Bitzer. 'Why look at me, ma'am! I don't want a wife and family. Why should they?'

'Because they are improvident,' said Mrs. Sparsit.

'Yes, ma'am,' returned Bitzer, 'that's where it is. If they were more provident and less perverse, ma'am, what would they do? They would say, "While my hat covers my family," or "while my bonnet covers my family," - as the case might be, ma'am - "I have only one to feed, and that's the person I most like to feed."'

'To be sure,' assented Mrs. Sparsit, eating muffin.

'Thank you, ma'am,' said Bitzer, knuckling his forehead again, in return for the favour of Mrs. Sparsit's improving conversation. 'Would you wish a little more hot water, ma'am, or is there anything else that I could fetch you?'

'Nothing just now, Bitzer.'

'Thank you, ma'am. I shouldn't wish to disturb you at your meals, ma'am, particularly tea, knowing your partiality for it,' said Bitzer, craning a little to look over into the street from where he stood; 'but there's a gentleman been looking up here for a minute or so, ma'am, and he has come across as if he was going to knock. That is his knock, ma'am, no doubt.'

He stepped to the window; and looking out, and drawing in his head again, confirmed himself with, 'Yes, ma'am. Would you wish the gentleman to be shown in, ma'am?'

'I don't know who it can be,' said Mrs. Sparsit, wiping her mouth and arranging her mittens.

'A stranger, ma'am, evidently.'

'What a stranger can want at the Bank at this time of the evening, unless he comes upon some business for which he is too late, I don't know,' said Mrs. Sparsit, 'but I hold a charge in this establishment from Mr. Bounderby, and I will never shrink from it. If to see him is any part of the duty I have accepted, I will see him. Use your own discretion, Bitzer.'

Here the visitor, all unconscious of Mrs.