The Firm of Girdlestone

The German took down the little leather bag and turned it upside down.

A threepenny-piece and a penny rolled out. "Dat's all," he said.

"Not enough for claret."

"But there is for beer," cried the major radiantly. "Bedad, it's just the time for a quart of fourpinny. I remimber ould Gilder, when he was our chief in India, used to say that a man who got beyond enjoying beer and a clay pipe at a pinch was either an ass or a coxcomb. He smoked a clay at the mess table himself. Draper, who commanded the division, told him it was unsoldier-like. 'Unsoldier-like be demned,' he said. Ged, they nearly court-martialled the ould man for it. He got the V.C. at the Quarries, and was killed at the Redan."

A slatternly, slipshod girl answered the bell, and having received her orders and the united available funds of the two comrades, speedily returned with a brace of frothing pint pots. The major ruminated silently over his cigarette for some time, on some unpleasant subject, apparently, for his face was stem and his brows knitted. At last he broke out with an oath.

"Be George! Baumser, I can't stand that young fellow Girdlestone. I'll have to chuck him up. He's such a cold-blooded, flinty-hearted, calculating sort of a chap, that – " The remainder of the major's sentence was lost in the beer flagon.

"What for did you make him your friend, then?"

"Well," the old soldier confessed, "it seemed to me that if he wanted to fool his money away at cards or any other divilment, Tobias Clutterbuck might as well have the handling of it as any one else. Bedad, he's as cunning as a basketful of monkeys. He plays a safe game for low stakes, and never throws away a chance. Demned if I don't think I've been a loser in pocket by knowing him, while as to me character, I'm very sure I'm the worse there."

"Vat's de matter mit him?"

"What's not the matter with him. If he's agrayable he's not natural, and if he's natural he's not agrayable. I don't pretind to be a saint. I've seen some fun in me day, and hope to see some more before I die; but there are some things that I wouldn't do. If I live be cards it's all fair and aboveboard. I never play anything but games o' skill, and I reckon on me skill bringing me out on the right side, taking one night with another through the year. Again, at billiards I may not always play me best, but that's gineralship. You don't want a whole room to know to a point what your game is. I'm the last man to preach, but, bedad, I don't like that chap, and I don't like that handsome, brazen face of his. I've spint the greater part of my life reading folks' faces, and never very far out either."

Von Baumser made no remark, and the two continued to smoke silently, with an occasional pull at their flagons.

"Besides, it's no good to me socially," the major continued. "The fellow can't keep quiet, else he might pass in a crowd; but that demned commercial instinct will show itself. If he went to heaven he'd start an agency for harps and crowns. Did I tell you what the Honourable Jack Gibbs said to me at the club? Ged, he let me have it straight! 'Buck,' he said, 'I don't mind you. You're one o' the right sort when all's said and done, but if you ever inthroduce such a chap as that to me again, I'll cut you as well as him for the future.' I'd inthroduced them to put the young spalpeen in a good humour, for, being short, as ye know, I thought it might be necessary to negotiate a loan from him."

"Vat did you say his name vas?" Von Baumser asked suddenly.

"Girdlestone."

"Is his father a Kauffmann?"

"What the divil is a Kauffmann?" the major asked impatiently. "Is it a merchant you mean?"

"Ah, a merchant. One who trades with the Afrikaner?"

"The same."

Von Baumser took a bulky pocket-book from his inside pocket, and scanned a long list of names therein. "Ah, it is the same," he cried at last triumphantly, shutting up the book and replacing it. "Girdlestone & Co., African kauf – dat is, merchants – Fenchurch Street, City."

"Those are they."

"And you say dey are rich?"

"Yes."

"Very rich?"

"Yes."

The major began to think that his companion had been imbibing in his absence, for there was an unfathomable smile upon his face, and his red beard and towsy hair seemed to bristle from some internal excitement.

"Very rich! Ho, ho! Very rich!" he laughed. "I know dem; not as friends, Gott bewahre! but I know dem and their affairs."

"What are you driving at? Let's have it. Out with it, man."

"I tell you," said the German, suddenly becoming supernaturally solemn and sawing his hand up and down in the air to emphasize his remarks, "in tree or four months, or a year at the most, there vill be no firm of Girdlestone. They are rotten, useless – whoo! He blew an imaginary feather up into the air to demonstrate the extreme fragility of the house in question.

"You're raving, Baumser," said Major Clutterbuck excitedly. "Why, man, their names are above suspicion. They are looked upon as the soundest concern in the City."

"Dat may be; dat may be," the German answered stolidly. "Vat I know, I know, and vat I say I say."

"And how d'ye know it? D'ye tell me that you know lore about it than the men on 'Change and the firms that do business with them?"

"I know vat I know, and I say vat I say," the other repeated. "Dat tobacco-man Burger is a rogue. Dere is five-and-thirty in the hundred of water in this canaster tobacco, and one must be for ever relighting."

"And you won't tell me where you heard this of the Girdlestones?"

"It vould be no good to you. It Is enough dat vat I say is certain. Let it suffice that dere are people vat are bound to tell other people all dat dey know about anything whatever."

"You don't make it over clear now," the old soldier grumbled. "You mane that these secret societies and Socialists let each other know all that comes in their way and have their own means of getting information."

"Dat may be, and dat may not be," the German answered, in the same oracular voice. "I thought, in any case, my good friend Clutterbuck, dat I vould give you vat you call in English the straight tap. It is always vell to have the straight tap."

"Thank ye, me boy," the major said heartily. "If the firm's in a bad way, either the youngster doesn't know of it, or else he's the most natural actor that ever lived. Be George! there's the tay-bell; let's get down before the bread and butther is all finished."

Mrs. Robbins was in the habit of furnishing her lodgers with an evening meal at a small sum per head. There was only a certain amount of bread and butter supplied for this, however, and those who came late were likely to find an empty platter. The two Bohemians felt that the subject was too grave a one to trifle with, so they suspended their judgment upon the Girdlestones while they clattered down to the dining-room.

CHAPTER XI.

SENIOR AND JUNIOR

Although not a whisper had been heard of it in ordinary commercial circles, there was some foundation for the forecast which Von Baumser had made as to the fate of the great house of Girdlestone. For some time back matters had been going badly with the African traders. If the shrewd eyes of Major Tobias Clutterbuck were unable to detect any indications of this state of affairs in the manner or conversation of the junior partner, the reason simply was that that gentleman was entirely ignorant of the imminent danger which hung over his head. As far as he knew, the concern was as prosperous and as flourishing as it had been at the time of the death of John Harston. The momentous secret was locked in the breast of his grim old father, who bore it about with him as the Spartan lad did the fox – without a quiver or groan to indicate the care which was gnawing at his heart. Placed face to face with ruin, Girdlestone fought against it desperately, and, withal, coolly and warily, throwing away no chance and leaving no stone unturned. Above all, he exerted himself – and exerted himself successfully – to prevent any rumour of the critical position of the firm from leaking out in the city. He knew well that should that once occur nothing could save him. As the wounded buffalo is gored to death by the herd, so the crippled man of business may give up all hope when once his position is known by his fellows. At present, although Von Baumser and a few other such Ishmaelites might have an inkling from sources of their own as to how matters stood, the name of Girdlestone was still regarded by business men as the very synonym for commercial integrity and stability. If anything, there seemed to be more business in Fenchurch Street and more luxury at the residence at Eccleston Square than in former days. Only the stern-faced and silent senior partner knew how thin the veneer was which shone so deceptively upon the surface.

Many things had contributed towards this state of affairs. The firm had been involved in a succession of misfortunes, some known to the world, and others known to no one save the elder Girdlestone. The former had been accepted with such perfect stoicism and cheerfulness that they rather increased than diminished the reputation of the concern; the latter were the more crushing, and also the more difficult to bear.

Lines of fine vessels from Liverpool and from Hamburg were running to the West Coast of Africa, and competition had cut down freightage to the lowest possible point. Where the Girdlestones had once held almost a monopoly there were now many in the field. Again, the negroes of the coast were becoming educated and had a keen eye to business, so that the old profits were no longer obtainable. The days had gone by when flint-lock guns and Manchester prints could be weighed in the balance against ivory and gold dust.

While these general causes were at work a special misfortune had befallen the house of Girdlestone. Finding that their fleet of old sailing vessels was too slow and clumsy to compete with more modern ships, they had bought in two first-rate steamers. One was the Providence, a fine screw vessel of twelve hundred tons, and the other was the Evening Star, somewhat smaller in size, but both classed A1 at Lloyd's. The former cost twenty-two thousand pounds, and the latter seventeen thousand. Now, Mr. Girdlestone had always had a weakness for petty savings, and in this instance he determined not to insure his new vessels. If the crazy old tubs, for which he had paid fancy premiums for so many years with an eye to an ultimate profit, met with no disaster, surely those new powerful clippers were safe. With their tonnage and horse-power they appeared to him to be superior to all the dangers of the deep. It chanced, however, by that strange luck which would almost make one believe that matters nautical were at the mercy of some particularly malignant demon, that as the Evening Star was steaming up Channel in a dense fog on her return from her second voyage, she ran right into the Providence, which had started that very morning from Liverpool upon her third outward trip. The Providence was almost cut in two, and sank within five minutes, taking down the captain and six of the crew, while the Evening Star was so much damaged about the bows that she put into Falmouth in a sinking condition. That day's work cost the African firm more than five and thirty thousand pounds.

Other mishaps had occurred to weaken the firm, apart from their trade with the coast. The senior partner had engaged in speculation without the knowledge of his son, and the result had been disastrous. One of the Cornish tin mines in which he had sunk a large amount of money, and which had hitherto yielded him a handsome return, became suddenly exhausted, and the shares went down to zero. No firm could stand against such a run of bad luck, and the African trading company reeled before it. John Girdlestone had not said a word yet of all this to his son. As claims arose he settled them in the best manner he could, and postponed the inevitable day when he should have to give a true account of their financial position. He hoped against hope that the chapter of accidents or the arrival of some brilliant cargoes from the coast might set the concern on its legs again.

From day to day he had been expecting news of one of his vessels. At last one morning he found a telegram awaiting him at the office. He tore it eagerly open, for it bore the Madeira mark. It was from his agent, Jose Alveciras, and announced that the voyage from which he had hoped so much had been a total failure. The cargo was hardly sufficient to defray the working expenses. As the merchant read it, his head dropped over the table and he groaned aloud. Another of the props which upheld him from ruin had snapped beneath him.

There were three letters lying beside the telegram. He glanced through them, but there was no consolation in any of them. One was from a bank manager, informing him that his account was somewhat overdrawn. Another from Lloyd's Insurance Agency, pointing out that the policies on two of his vessels would lapse unless paid within a certain date. The clouds were gathering very darkly over the African firm, yet the old man bore up against misfortune with dauntless courage. He sat alone in his little room, with his head sunk upon his breast, and his thatched eye-brows drawn down over his keen grey eyes. It was clear to him that the time had come when he must enlighten his son as to the true state of their affairs. With his co-operation he might carry out a plan which had been maturing some months in his brain.

It was a hard task for the proud and austere merchant to be compelled to confess to his son that he had speculated without his knowledge in the capital of the company, and that a large part of that capital had disappeared. These speculations in many instances had promised large returns, and John Girdlestone had withdrawn money from safer concerns, and reinvested it in the hope of getting a higher rate of interest. He had done this with his eyes open to the risk, and knowing that his son was of too practical and cautious a nature to embark in such commercial gambling, he had never consulted him upon the point, nor had he made any entry of the money so invested in the accounts of the firm. Hence Ezra was entirely ignorant of the danger which hung over them, and his father saw that, in order to secure his energetic assistance in the stroke which he was contemplating, it was absolutely necessary that he should know how critical their position was.

The old man had hardly come to this conclusion when he heard the sharp footfall of his son in the outer office and the harsh tones of his voice as he addressed the clerks. A moment or two later the green baize door flew open, and the young man came in, throwing his hat and coat down on one of the chairs. It was evident that something had ruffled his temper.

"Good-morning," he said brusquely, nodding his head to his father.