How, in the course of years, he had reduced the principal by trifling sums, 'having,' said Twemlow, 'always to observe great economy, being in the enjoyment of a fixed income limited in extent, and that depending on the munificence of a certain nobleman,' and had always pinched the full interest out of himself with punctual pinches. How he had come, in course of time, to look upon this one only debt of his life as a regular quarterly drawback, and no worse, when 'his name' had some way fallen into the possession of Mr Riah, who had sent him notice to redeem it by paying up in full, in one plump sum, or take tremendous consequences. This, with hazy remembrances of how he had been carried to some office to 'confess judgment' (as he recollected the phrase), and how he had been carried to another office where his life was assured for somebody not wholly unconnected with the sherry trade whom he remembered by the remarkable circumstance that he had a Straduarius violin to dispose of, and also a Madonna, formed the sum and substance of Mr Twemlow's narrative. Through which stalked the shadow of the awful Snigsworth, eyed afar off by money-lenders as Security in the Mist, and menacing Twemlow with his baronial truncheon.

To all, Mr Fledgeby listened with the modest gravity becoming a confiding young man who knew it all beforehand, and, when it was finished, seriously shook his head. 'I don't like, Mr Twemlow,' said Fledgeby, 'I don't like Riah's calling in the principal. If he's determined to call it in, it must come.'

'But supposing, sir,' said Twemlow, downcast, 'that it can't come?'

'Then,' retorted Fledgeby, 'you must go, you know.'

'Where?' asked Twemlow, faintly.

'To prison,' returned Fledgeby. Whereat Mr Twemlow leaned his innocent head upon his hand, and moaned a little moan of distress and disgrace.

'However,' said Fledgeby, appearing to pluck up his spirits, 'we'll hope it's not so bad as that comes to. If you'll allow me, I'll mention to Mr Riah when he comes in, who you are, and I'll tell him you're my friend, and I'll say my say for you, instead of your saying it for yourself; I may be able to do it in a more business-like way. You won't consider it a liberty?'

'I thank you again and again, sir,' said Twemlow. 'I am strong, strongly, disinclined to avail myself of your generosity, though my helplessness yields. For I cannot but feel that I--to put it in the mildest form of speech--that I have done nothing to deserve it.'

'Where CAN he be?' muttered Fledgeby, referring to his watch again. 'What CAN he have gone out for? Did you ever see him, Mr Twemlow?'

'Never.'

'He is a thorough Jew to look at, but he is a more thorough Jew to deal with. He's worst when he's quiet. If he's quiet, I shall take it as a very bad sign. Keep your eye upon him when he comes in, and, if he's quiet, don't be hopeful. Here he is!--He looks quiet.'

With these words, which had the effect of causing the harmless Twemlow painful agitation, Mr Fledgeby withdrew to his former post, and the old man entered the counting-house.

'Why, Mr Riah,' said Fledgeby, 'I thought you were lost!'

The old man, glancing at the stranger, stood stock-still. He perceived that his master was leading up to the orders he was to take, and he waited to understand them.

'I really thought,' repeated Fledgeby slowly, 'that you were lost, Mr Riah. Why, now I look at you--but no, you can't have done it; no, you can't have done it!'

Hat in hand, the old man lifted his head, and looked distressfully at Fledgeby as seeking to know what new moral burden he was to bear.

'You can't have rushed out to get the start of everybody else, and put in that bill of sale at Lammle's?' said Fledgeby. 'Say you haven't, Mr Riah.'

'Sir, I have,' replied the old man in a low voice.

'Oh my eye!' cried Fledgeby. 'Tut, tut, tut! Dear, dear, dear! Well! I knew you were a hard customer, Mr Riah, but I never thought you were as hard as that.'

'Sir,' said the old man, with great uneasiness, 'I do as I am directed.