Beyond the City, Sir Arthur Conan Doyle [e novels for free txt] 📗

interview looks as if there were no trickery, and then no one could object to five per cent."

"No, it seems fair enough."

"It is not pleasant to have to go hat in hand borrowing money, but there are times, as you may find before you are my age, Westmacott, when a man must stow away his pride. But here's their number, and their plate is on the corner of the door."

A narrow entrance was flanked on either side by a row of brasses, ranging upwards from the shipbrokers and the solicitors who occupied the ground floors, through a long succession of West Indian agents, architects, surveyors, and brokers, to the firm of which they were in quest. A winding stone stair, well carpeted and railed at first but growing shabbier with every landing, brought them past innumerable doors until, at last, just under the ground-glass roofing, the names of Smith and Hanbury were to be seen painted in large white letters across a panel, with a laconic invitation to push beneath it. Following out the suggestion, the Admiral and his companion found themselves in a dingy apartment, ill lit from a couple of glazed windows. An ink-stained table, littered with pens, papers, and almanacs, an American cloth sofa, three chairs of varying patterns, and a much-worn carpet, constituted all the furniture, save only a very large and obtrusive porcelain spittoon, and a gaudily framed and very somber picture which hung above the fireplace. Sitting in front of this picture, and staring gloomily at it, as being the only thing which he could stare at, was a small sallow-faced boy with a large head, who in the intervals of his art studies munched sedately at an apple.

"Is Mr. Smith or Mr. Hanbury in?" asked the Admiral.

"There ain't no such people," said the small boy.

"But you have the names on the door."

"Ah, that is the name of the firm, you see. It's only a name. It's Mr. Reuben Metaxa that you wants."

"Well then, is he in?"

"No, he's not."

"When will he be back?"

"Can't tell, I'm sure. He's gone to lunch. Sometimes he takes one hour, and sometimes two. It'll be two to-day, I 'spect, for he said he was hungry afore he went."

"Then I suppose that we had better call again," said the Admiral.

"Not a bit," cried Charles. "I know how to manage these little imps. See here, you young varmint, here's a shilling for you. Run off and fetch your master. If you don't bring him here in five minutes I'll clump you on the side of the head when you get back. Shoo! Scat!" He charged at the youth, who bolted from the room and clattered madly down-stairs.

"He'll fetch him," said Charles. "Let us make ourselves at home. This sofa does not feel over and above safe. It was not meant for fifteen-stone men. But this doesn't look quite the sort of place where one would expect to pick up money."

"Just what I was thinking," said the Admiral, looking ruefully about him.

"Ah, well! I have heard that the best furnished offices generally belong to the poorest firms. Let us hope it's the opposite here. They can't spend much on the management anyhow. That pumpkin-headed boy was the staff, I suppose. Ha, by Jove, that's his voice, and he's got our man, I think!"

As he spoke the youth appeared in the doorway with a small, brown, dried-up little chip of a man at his heels. He was clean-shaven and blue-chinned, with bristling black hair, and keen brown eyes which shone out very brightly from between pouched under-lids and drooping upper ones. He advanced, glancing keenly from one to the other of his visitors, and slowly rubbing together his thin, blue-veined hands. The small boy closed the door behind him, and discreetly vanished.

"I am Mr. Reuben Metaxa," said the moneylender. "Was it about an advance you wished to see me?"

"Yes."

"For you, I presume?" turning to Charles Westmacott.

"No, for this gentleman."

The moneylender looked surprised. "How much did you desire?"

"I thought of five thousand pounds," said the Admiral.

"And on what security?"

"I am a retired admiral of the British navy. You will find my name in the Navy List. There is my card. I have here my pension papers. I get L850 a year. I thought that perhaps if you were to hold these papers it would be security enough that I should pay you. You could draw my pension, and repay yourselves at the rate, say, of L500 a year, taking your five per cent interest as well."

"What interest?"

"Five per cent per annum."

Mr. Metaxa laughed. "Per annum!" he said. "Five per cent a month."

"A month! That would be sixty per cent a year."

"Precisely."

"But that is monstrous."

"I don't ask gentlemen to come to me. They come of their own free will. Those are my terms, and they can take it or leave it."

"Then I shall leave it." The Admiral rose angrily from his chair.

"But one moment, sir. Just sit down and we shall chat the matter over. Yours is a rather unusual case and we may find some other way of doing what you wish. Of course the security which you offer is no security at all, and no sane man would advance five thousand pennies on it."

"No security? Why not, sir?"

"You might die to-morrow. You are not a young man. What age are you?"

"Sixty-three."

Mr. Metaxa turned over a long column of figures. "Here is an actuary's table," said he. "At your time of life the average expectancy of life is only a few years even in a well-preserved man."

"Do you mean to insinuate that I am not a well-preserved man?"

"Well, Admiral, it is a trying life at sea. Sailors in their younger days are gay dogs, and take it out of themselves. Then when they grow older they are still hard at it, and have no chance of rest or peace. I do not think a sailor's life a good one."

"I'll tell you what, sir," said the Admiral hotly. "If you have two pairs of gloves I'll undertake to knock you out under three rounds. Or I'll race you from here to St. Paul's, and my friend here will see fair. I'll let you see whether I am an old man or not."

"This is beside the question," said the moneylender with a deprecatory shrug. "The point is that if you died to-morrow where would be the security then?"

"I could insure my life, and make the policy over to you."

"Your premiums for such a sum, if any office would have you, which I very much doubt, would come to close on five hundred a year. That would hardly suit your book."

"Well, sir, what do you intend to propose?" asked the Admiral.

"I might, to accommodate you, work it in another way. I should send for a medical man, and have an opinion upon your life. Then I might see what could be done."

"That is quite fair. I have no objection to that."

"There is a very clever doctor in the street here. Proudie is his name. John, go and fetch Doctor Proudie." The youth was dispatched upon his errand, while Mr. Metaxa sat at his desk, trimming his nails, and shooting out little comments upon the weather. Presently feet were heard upon the stairs, the moneylender hurried out, there was a sound of whispering, and he returned with a large, fat, greasy-looking man, clad in a much worn frock-coat, and a very dilapidated top hat.

"Doctor Proudie, gentlemen," said Mr. Metaxa.

The doctor bowed, smiled, whipped off his hat, and produced his stethoscope from its interior with the air of a conjurer upon the stage. "Which of these gentlemen am I to examine?" he asked, blinking from one to the other of them. "Ah, it is you! Only your waistcoat! You need not undo your collar. Thank you! A full breath! Thank you! Ninety-nine! Thank you! Now hold your breath for a moment. Oh, dear, dear, what is this I hear?"

"What is it then?" asked the Admiral coolly.

"Tut! tut! This is a great pity. Have you had rheumatic fever?"

"Never."

"You have had some serious illness?"

"Never."

"Ah, you are an admiral. You have been abroad, tropics, malaria, ague--I know."

"I have never had a day's illness."

"Not to your knowledge; but you have inhaled unhealthy air, and it has left its effect. You have an organic murmur--slight but distinct."

"Is it dangerous?"

"It might at anytime become so. You should not take violent exercise."

"Oh, indeed. It would hurt me to run a half mile?"

"It would be very dangerous."

"And a mile?"

"Would be almost certainly fatal."

"Then there is nothing else the matter?"

"No. But if the heart is weak, then everything is weak, and the life is not a sound one."

"You see, Admiral," remarked Mr. Metaxa, as the doctor secreted his stethoscope once more in his hat, "my remarks were not entirely uncalled for. I am sorry that the doctor's opinion is not more favorable, but this is a matter of business, and certain obvious precautions must be taken."

"Of course. Then the matter is at an end."

"Well, we might even now do business. I am most anxious to be of use to you. How long do you think, doctor, that this gentleman will in all probability live?"

"Well, well, it's rather a delicate question to answer," said Dr. Proudie, with a show of embarrassment.

"Not a bit, sir. Out with it! I have faced death too often to flinch from it now, though I saw it as near me as you are."

"Well, well, we must go by averages of course. Shall we say two years? I should think that you have a full two years before you."

"In two years your pension would bring you in L1,600. Now I will do my very best for you, Admiral! I will advance you L2,000, and you can make over to me your pension for your life. It is pure speculation on my part. If you die to-morrow I lose my money. If the doctor's prophecy is correct I shall still be out of pocket. If you live a little longer, then I may see my money again. It is the very best I can do for you."

"Then you wish to buy my pension?"

"Yes, for two thousand down."

"And if I live for twenty years?"

"Oh, in that case of course my speculation would be more successful. But you have heard the doctor's opinion."

"Would you advance the money instantly?"

"You should have a thousand at once. The other thousand I should expect you to take in furniture."

"In furniture?"

"Yes, Admiral. We shall do you a beautiful houseful at that sum. It is the custom of my clients to take half in furniture."

The Admiral sat in dire perplexity. He had come out to get money, and to go back without any, to be powerless to help when his boy needed every shilling to save him from disaster, that would be very bitter to him. On the other hand, it was so much that he surrendered, and so little that he received. Little, and yet something. Would it not be better than going back empty-handed? He saw the yellow