His face was a talisman to the porters and servants of his more dashing clients, and procured him ready admission, though he trudged on foot, and others, who were denied, rattled to the door in carriages. Here he was all softness and cringing civility; his step so light, that it scarcely produced a sound upon the thick carpets; his voice so soft that it was not audible beyond the person to whom it was addressed. But in the poorer habitations Ralph was another man; his boots creaked upon the passage floor as he walked boldly in; his voice was harsh and loud as he demanded the money that was overdue; his threats were coarse and angry. With another class of customers, Ralph was again another man. These were attorneys of more than doubtful reputation, who helped him to new business, or raised fresh profits upon old. With them Ralph was familiar and jocose, humorous upon the topics of the day, and especially pleasant upon bankruptcies and pecuniary difficulties that made good for trade. In short, it would have been difficult to have recognised the same man under these various aspects, but for the bulky leather case full of bills and notes which he drew from his pocket at every house, and the constant repetition of the same complaint, (varied only in tone and style of delivery,) that the world thought him rich, and that perhaps he might be if he had his own; but there was no getting money in when it was once out, either principal or interest, and it was a hard matter to live; even to live from day to day.

It was evening before a long round of such visits (interrupted only by a scanty dinner at an eating-house) terminated at Pimlico, and Ralph walked along St James's Park, on his way home.

There were some deep schemes in his head, as the puckered brow and firmly-set mouth would have abundantly testified, even if they had been unaccompanied by a complete indifference to, or unconsciousness of, the objects about him. So complete was his abstraction, however, that Ralph, usually as quick-sighted as any man, did not observe that he was followed by a shambling figure, which at one time stole behind him with noiseless footsteps, at another crept a few paces before him, and at another glided along by his side; at all times regarding him with an eye so keen, and a look so eager and attentive, that it was more like the expression of an intrusive face in some powerful picture or strongly marked dream, than the scrutiny even of a most interested and anxious observer.

The sky had been lowering and dark for some time, and the commencement of a violent storm of rain drove Ralph for shelter to a tree. He was leaning against it with folded arms, still buried in thought, when, happening to raise his eyes, he suddenly met those of a man who, creeping round the trunk, peered into his face with a searching look. There was something in the usurer's expression at the moment, which the man appeared to remember well, for it decided him; and stepping close up to Ralph, he pronounced his name.

Astonished for the moment, Ralph fell back a couple of paces and surveyed him from head to foot. A spare, dark, withered man, of about his own age, with a stooping body, and a very sinister face rendered more ill-favoured by hollow and hungry cheeks, deeply sunburnt, and thick black eyebrows, blacker in contrast with the perfect whiteness of his hair; roughly clothed in shabby garments, of a strange and uncouth make; and having about him an indefinable manner of depression and degradation--this, for a moment, was all he saw. But he looked again, and the face and person seemed gradually to grow less strange; to change as he looked, to subside and soften into lineaments that were familiar, until at last they resolved themselves, as if by some strange optical illusion, into those of one whom he had known for many years, and forgotten and lost sight of for nearly as many more.

The man saw that the recognition was mutual, and beckoning to Ralph to take his former place under the tree, and not to stand in the falling rain, of which, in his first surprise, he had been quite regardless, addressed him in a hoarse, faint tone.