collection of customs would go on without me. But a man may keep his place, and yet lose his house and home."
Clementina vanished, Mrs. Blessing followed, with her handkerchief to her eyes, and Julia hastened after them, crying: "Ma! dear ma!"
"It's only on their account," said Mr. Blessing, pointing after them and speaking to Joseph. "A plucky man never desponds, sir; but women, you'll find, are upset by every reverse."
"May I ask what has happened?"
"A delicate regard for you," Mr. Blessing replied, "would counsel me to conceal it, but my duty as your father-in-law leaves me no alternative. Our human feelings prompt us to show only the bright side of life to those whom we love; principle, however,—conscience, commands us not to suppress the shadows. I am but one out of the many millions of victims of mistaken judgment. The case is simply this; I will omit certain legal technicalities touching the disposition of property, which may not be familiar to you, and state the facts in the most intelligible form; securities which I placed as collaterals for the loan of a sum, not a very large amount, have been very unexpectedly depreciated, but only temporarily so, as all the market knows. If I am forced to sell them at such an untoward crisis, I lose the largest part of my limited means; if I retain them, they will ultimately recover their full value."
"Then why not retain them?" Joseph asked.
"The sum advanced upon them must be repaid, and it so happens—the market being very tight—that every one of my friends is short. Of course, where their own paper is on the street, I can't ask them to float mine for three months longer, which is all that is necessary. A good indorsement is the extent of my necessity; for any one who is familiar with the aspects of the market can see that there must be a great rebound before three months."
"If it were not a very large amount," Joseph began.
"Only a thousand! I know what you were going to say it is perfectly natural: I appreciate it, because, if our positions were reversed, I should have done the same thing. But, although it is a mere form, a temporary fiction, which has the force of reality, and, therefore, so far as you are concerned, I should feel entirely easy, yet it might subject me to very dishonoring suspicions! It might be said that I had availed myself of your entrance into my family to beguile you into pecuniary entanglements; the amount might be exaggerated, the circumstance misrepresented,—no, no! rather than that, let me make the sacrifice like a man! I'm no longer young, it is true; but the feeling that I stand on principle will give me strength to work."
"On the other hand, Mr. Blessing," said Joseph, "very unpleasant things might be said of me, if I should permit you to suffer so serious a loss, when my assistance would prevent it."
"I don't deny it. You have made a two-horned dilemma out of a one-sided embarrassment. Would that I had kept the secret in my own breast! The temptation is strong, I confess, for the mere use of your name for a few months is all I should require. Either the securities will rise to their legitimate value, or some of the capitalists with whom I have dealings will be in a position to accommodate me. I have frequently tided over similar snags and sand-bars in the financial current; they are familiar even to the most skilful operators,—navigators, I might say, to carry out the figure,—and this is an instance where an additional inch of water will lift me from wreck to flood-tide. The question is, should I allow what I feel to be a just principle, a natural suggestion of delicacy, to intervene between my necessity and your generous proffer of assistance?"
"Your family—" Joseph began.
"I know! I know!" Mr. Blessing cried, leaning his head upon his hand. "There is my vulnerable point,—my heel of Achilles! There would be no alternative,—better sell this house than have my paper dishonored! Then, too, I feel that this is a turning-point in my fortunes: if I can squeeze through this narrow pass, I shall find a smooth road beyond. It is not merely the sum which is at stake, but the future possibilities into which it expands. Should I crush the seed while it is germinating? Should I tear up the young tree, with an opening fruit-bud on every twig? You see the considerations that sway me: unless you withdraw your most generous proffer, what can I do but yield and accept it?"
"I have no intention of withdrawing it," Joseph answered, taking his words literally; "I made the offer freely and willingly. If my indorsement is all that is necessary now, I can give it at once."
Mr. Blessing grasped him by the hand, winked hard three or four times, and turned away his head without speaking. Then he drew a large leather pocket-book from his breast, opened it, and produced a printed promissory note.
"We will make it payable at your county bank," said he, "because your name is known there, and upon acceptance—which can be procured in two days—the money will be drawn here. Perhaps we had better say four months, in order to cover all contingencies."
He went to a small writing-desk, at the farther end of the room, and filled the blanks in the note, which Joseph then endorsed. When it was safely lodged in his breast-pocket, he said: "We will keep this entirely to ourselves. My wife, let me whisper to you, is very proud and sensitive, although the De l'Hotels (Doolittles now) were never quite the equals of the De Belsains; but women see matters in a different light. They can't understand the accommodation of a name, but fancy that it implies a kind of humiliation, as if one were soliciting charity."
He laughed and rubbed his hands. "I shall soon be in a position," he said, "to render you a favor in return. My long experience, and, I may add, my intimate knowledge of the financial field, enables me to foresee many splendid opportunities. There are, just now, some movements which are not yet perceptible on the surface. Mark my words! we shall shortly have a new excitement, and a cool, well-seasoned head is a fortune at such times."
"In the country," Joseph replied, "we only learn enough to pay off our debts and invest our earnings. We are in the habit of moving slowly and cautiously. Perhaps we miss opportunities; but if we don't see them, we are just as contented as if they had not been. I have enough for comfort, and try to be satisfied."
"Inherited ideas! They belong to the community in which you live. Are you satisfied with your neighbors' ways of living and thinking? I do not mean to disparage them, but have you no desire to rise above their level? Money,—as I once said at a dinner given to a distinguished railroad man,—money is the engine which draws individuals up the steepest grades of society; it is the lubricating oil which makes the truck of life run easy; it is the safety-break which renders collision and wreck impossible! I have long been accustomed to consider it in the light of power, not of property, and I classify men according as they take one or the other view. The latter are misers; but the former, sir, are philosophers!"
Joseph scarcely knew how to answer this burst of eloquence. But there was no necessity for it; the ladies entered the room at that moment, each one, in her own way, swiftly scrutinizing the two gentlemen. Mrs. Blessing's face lost its woe-worn expression, while a gleam of malicious satisfaction passed over Clementina's.
The next day, on their journey to the country, Julia suddenly said, "I am sure, Joseph, that pa made use of your generosity; pray don't deny it!"
There was the faintest trace of hardness in her voice, which he interpreted as indicating dissatisfaction with his failure to confide the matter to her.
"I have no intention of denying anything, Julia," he answered. "I was not called upon to exercise generosity; it was simply what your father would term an 'accommodation.'"
"I understand. How much?"
"An endorsement of his note for a thousand dollars, which is little, when it will prevent him from losing valuable securities."
Julia was silent for at least ten minutes; then, turning towards him with a sternness which she vainly endeavored to conceal under a "wreathed smile," she said: "In future, Joseph, I hope you will always consult me in any pecuniary venture. I may not know much about such matters, but it is my duty to learn. I have been obliged to hear a great deal of financial talk from pa and his friends, and could not help guessing some things which I think I can apply for your benefit. We are to have no secrets from each other, you know."
His own words! After all, what she said was just and right, and he could