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of it to him too, for he had the pleasure of thinking of it all his life long, and of being envied and courted by all his family besides.' And Ralph always wound up these mental soliloquies by arriving at the conclusion, that there was nothing like money.

Not confining himself to theory, or permitting his faculties to rust, even at that early age, in mere abstract speculations, this promising lad commenced usurer on a limited scale at school; putting out at good interest a small capital of slate-pencil and marbles, and gradually extending his operations until they aspired to the copper coinage of this realm, in which he speculated to considerable advantage. Nor did he trouble his borrowers with abstract calculations of figures, or references to ready-reckoners; his simple rule of interest being all comprised in the one golden sentence, 'two-pence for every half-penny,' which greatly simplified the accounts, and which, as a familiar precept, more easily acquired and retained in the memory than any know

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