behind. Frank D——, Esq., in the slang of the time, 'did the thing grand!' The dog-cart was a first-rate article. The horse was a high-stepper, such as are not to be bought for a song; the turn-out was at the first glance perfect. But if you looked keenly at the groom, there was a suspicion of the plough in his face and attitude. He did not sit like a man to the manner born. He was lumpy; he lacked the light, active style characteristic of the thoroughbred groom, who is as distinct a breed as the thoroughbred horse. The man looked as if he had been taken from the plough and was conscious of it. His feet were in top-boots, but he could not forget the heavy action induced by a long course of walking in wet furrows. The critics by the hedge were not capable of detecting these niceties. The broad facts were enough for them. There was the gentleman in his ulster, there was the resplendent turn-out, there was the groom, and there was the thoroughbred horse. The man's father drove their pigs to market, and they wanted to know where he got the money from.
Meantime Mr. D——, having carelessly nodded, had gone on. Half a mile farther some of his own fields were contiguous to the road, yet he did not, after the fashion of the farmer generally, pause to gaze at them searchingly; he went on with the same careless glance. This fact, which the old-fashioned folk had often observed, troubled them greatly. It seemed so unnatural, so opposite to the old ideas and ways, that a man should take no apparent interest in his own farm. They said that Frank was nothing of a farmer; he knew nothing of farming. They looked at his ricks; they were badly built, and still worse thatched. They examined his meadows, and saw wisps of hay lying about, evidence of neglect; the fields had not been properly raked. His ploughed fields were full of weeds, and not half worked enough. His labourers had acquired a happy-go-lucky style, and did their work anyhow or not at all, having no one to look after them. So, clearly, it was not Frank's good farming that made him so rich, and enabled him to take so high and leading a position.
Nor was it his education or his 'company' manners. The old folk noted his boorishness and lack of the little refinements which mark the gentleman. His very voice was rude and hoarse, and seemed either to grumble or to roar forth his meaning. They had frequently heard him speak in public—he was generally on the platform when any local movement was in progress—and could not understand why he was put up there to address the audience, unless it was for his infinite brass. The language he employed was rude, his sentences disjointed, his meaning incoherent; but he had a knack of an apropos jest, not always altogether savoury, but which made a mixed assembly laugh. As his public speeches did not seem very brilliant, they supposed he must have the gift of persuasion, in private. He did not even ride well to hounds—an accomplishment that has proved a passport to a great landlord's favour before now—for he had an awkward, and, to the eye, not too secure a seat in the saddle.
Nor was it his personal appearance. He was very tall and ungainly, with a long neck and a small round head on the top of it. His features were flat, and the skin much wrinkled; there seemed nothing in his countenance to recommend him to the notice of the other sex. Yet he had been twice married; the last time to a comparatively young lady with some money, who dressed in the height of fashion.
Frank had two families—one, grown up, by his first wife, the second in the nursery—but it made no difference to him. All were well dressed and well educated; the nursery maids and the infants went out for their airings in a carriage and pair. Mrs. D——, gay as a Parisian belle, and not without pretensions to beauty, was seen at balls, parties, and every other social amusement. She seemed to have the entrée everywhere in the county. All this greatly upset and troubled the old folk, whose heads Frank looked over as he carelessly nodded them good-morning driving by. The cottage people from whose ranks his family had so lately risen, however, had a very decided opinion upon the subject, and expressed it forcibly. "'Pend upon it," they said, "'pend upon it, he have zucked zumbody in zumhow."
This unkind conclusion was perhaps not quite true. The fact was, that Frank, aided by circumstances, had discovered the ease with which a man can borrow. That was his secret—his philosopher's stone. To a certain extent, and in certain ways, he really was a clever man, and he had the luck to begin many years ago when farming was on the ascending side of the cycle. The single solid basis of his success was his thorough knowledge of cattle—his proficiency in dealership. Perhaps this was learnt while assisting his father to drive other folks' pigs to market. At all events, there was no man in the county who so completely understood cattle and sheep, for buying and selling purposes, as Frank. At first he gained his reputation by advising others what and when to buy; by degrees, as people began to see that he was always right, they felt confidence in him, and assisted him to make small investments on his own account. There were then few auctioneers, and cattle were sold in open market. If a man really was a judge, it was as good to him as a reputation for good ale is to an innkeeper. Men flock to a barrel of good ale no matter whether the inn be low class or high class. Men gather about a good judge of cattle, and will back him up. By degrees D—— managed to rent a small farm, more for the purpose of having a place to turn his cattle into than for farming proper—he was, in fact, a small dealer.
Soon afterwards there was an election. During the election, Frank gained the good-will of a local solicitor and political agent. He proved himself an active and perhaps a discreetly unscrupulous assistant. The solicitor thought he saw in Frank talent of a certain order—a talent through which he (the solicitor) might draw unto himself a share of other people's money. The lawyer's judgment of men was as keen as Frank's judgment of cattle. He helped Frank to get into a large farm, advancing the money with which to work it. He ran no risk; for, of course, he had Frank tight in the grasp of his legal fist, and he was the agent for the landlord. The secret was this—the lawyer paid his clients four per cent, for the safe investment of their money. Frank had the money, worked a large farm with it, and speculated in the cattle markets, and realised some fifteen or perhaps twenty per cent., of which the lawyer took the larger share. Something of this sort has been done in other businesses besides farming. Frank, however, was not the man to remain in a state of tutelage, working for another. His forte was not saving—simple accumulation was not for him; but he looked round the district to discover those who had saved.
Now, it is a fact that no man is so foolish with his money as the working farmer in a small way, who has put by a little coin. He is extremely careful about a fourpenny piece, and will wrap a sovereign up in several scraps of paper lest he should lose it; but with his hundred or two hundred pounds he is quite helpless. It has very likely occupied him the best part of his lifetime to add one five-pound note to another, money most literally earned in the sweat of his brow; and at last he lends it to a man like Frank, who has the wit to drive a carriage and ride a thoroughbred. With the strange inconsistency so characteristic of human nature, a half-educated, working farmer of this sort will sneer in his rude way at the pretensions of such a man, and at the same time bow down before him.
Frank knew this instinctively, and, as soon as ever he began to get on, set up a blood-horse and a turn-out. By dint of such vulgar show and his own plausible tongue he persuaded more than one such old fellow to advance him money. Mayhap these confiding persons, like a certain Shallow, J.P., have since earnestly besought him in vain to return them five hundred of their thousand. In like manner one or two elderly ladies—cunning as magpies in their own conceit—let him have a few spare hundreds. They thought they could lay out this money to better advantage than the safe family adviser 'uncle John,' with his talk of the Indian railways and a guaranteed five per cent. They thought (for awhile) that they had done a very clever thing on the sly in lending their spare hundreds to the great Mr. Frank D—— at a high rate of interest, and by this time would perhaps be glad to get the money back again in the tea-caddy.
But Frank was not the man to be satisfied with such small game. After a time he succeeded in getting at the 'squire.' The squire had nothing but the rents of his farms to live upon, and was naturally anxious for an improving tenant who would lay out money and put capital into the soil. He was not so foolish as to think that Frank was a safe man, and of course he had legal advice upon the matter. The squire thought, in fact, that although Frank himself had no money, Frank could get it out of others, and spend it upon his place. It did not concern the squire where or how Frank got his money, provided he had it—he as landlord was secure in case of a crash, because the law gave him precedence over all other creditors. So Frank ultimately stepped into one of the squire's largest farms