The Card, Arnold Bennett [read with me .txt] 📗

and it had cost Denry ten pounds. He had bought it off a farmer whose wife "stood" St Luke's Market. His excuse was that he needed help in getting about the Five Towns in pursuit of cottage rents, for his business of a rent-collector had grown. But for this purpose a bicycle would have served equally well, and would not have cost a shilling a day to feed, as the mule did, nor have shied at policemen, as the mule nearly always did. Denry had bought the mule simply because he had been struck all of a sudden with the idea of buying the mule. Some time previously Jos Curtenty (the Deputy-Mayor, who became Mayor of Bursley on the Earl of Chell being called away to govern an Australian colony) had made an enormous sensation by buying a flock of geese and driving them home himself. Denry did not like this. He was indeed jealous, if a large mind can be jealous. Jos Curtenty was old enough to be his grandfather, and had been a recognised "card" and "character" since before Denry's birth. But Denry, though so young, had made immense progress as a card, and had, perhaps justifiably, come to consider himself as the premier card, the very ace, of the town. He felt that some reply was needed to Curtenty's geese, and the mule was his reply. It served excellently. People were soon asking each other whether they had heard that Denry Machin's "latest" was to buy a mule. He obtained a little old victoria for another ten pounds, and a good set of harness for three guineas. The carriage was low, which enabled him, as he said, to nip in and out much more easily than in and out of a trap. In his business you did almost nothing but nip in and out. On the front seat he caused to be fitted a narrow box of japanned tin, with a formidable lock and slits on the top. This box was understood to receive the rents, as he collected them. It was always guarded on journeys by a cross between a mastiff and something unknown, whose growl would have terrorised a lion-tamer. Denry himself was afraid of Rajah, the dog, but he would not admit it. Rajah slept in the stable behind Mrs Machin's cottage, for which Denry paid a shilling a week. In the stable there was precisely room for Rajah, the mule and the carriage, and when Denry entered to groom or to harness, something had to go out.

The equipage quickly grew into a familiar sight in the streets of the district. Denry said that it was funny without being vulgar. Certainly it amounted to a continual advertisement for him; an infinitely more effective advertisement than, for instance, a sandwichman at eighteen-pence a day, and costing no more, even with the licence and the shoeing. Moreover, a sandwichman has this inferiority to a turnout: when you have done with him you cannot put him up to auction and sell him. Further, there are no sandwichmen in the Five Towns; in that democratic and independent neighbourhood nobody would deign to be a sandwichman.

The mulish vehicular display does not end the tale of Denry's splendour. He had an office in St Luke's Square, and in the office was an office-boy, small but genuine, and a real copying-press, and outside it was the little square signboard which in the days of his simplicity used to be screwed on to his mother's door. His mother's steely firmness of character had driven him into the extravagance of an office. Even after he had made over a thousand pounds out of the Llandudno lifeboat in less than three months, she would not listen to a proposal for going into a slightly larger house, of which one room might serve as an office. Nor would she abandon her own labours as a sempstress. She said that since her marriage she had always lived in that cottage and had always worked, and that she meant to die there, working: and that Denry could do what he chose. He was a bold youth, but not bold enough to dream of quitting his mother; besides, his share of household expenses in the cottage was only ten shillings a week. So he rented the office; and he hired an office-boy, partly to convey to his mother that he _should_ do what he chose, and partly for his own private amusement.

He was thus, at an age when fellows without imagination are fraying their cuffs for the enrichment of their elders and glad if they can afford a cigar once a month, in possession of a business, business premises, a clerical staff, and a private carriage drawn by an animal unique in the Five Towns. He was living on less than his income; and in the course of about two years, to a small extent by economies and to a large extent by injudicious but happy investments, he had doubled the Llandudno thousand and won the deference of the manager of the bank at the top of St Luke's Square--one of the most unsentimental men that ever wrote "refer to drawer" on a cheque.

And yet Denry was not satisfied. He had a secret woe, due to the facts that he was gradually ceasing to be a card, and that he was not multiplying his capital by two every six months. He did not understand the money market, nor the stock market, nor even the financial article in the _Signal_; but he regarded himself as a financial genius, and deemed that as a financial genius he was vegetating. And as for setting the town on fire, or painting it scarlet, he seemed to have lost the trick of that.


II

And then one day the populace saw on his office door, beneath his name-board, another sign:

FIVE TOWNS UNIVERSAL THRIFT CLUB. _Secretary and Manager_--E.H. MACHIN.

An idea had visited him.

Many tradesmen formed slate-clubs--goose-clubs, turkey-clubs, whisky-clubs--in the autumn, for Christmas. Their humble customers paid so much a week to the tradesmen, who charged them nothing for keeping it, and at the end of the agreed period they took out the total sum in goods--dead or alive; eatable, drinkable, or wearable. Denry conceived a universal slate-club. He meant it to embrace each of the Five Towns. He saw forty thousand industrial families paying weekly instalments into his slate-club. He saw his slate-club entering into contracts with all the principal tradesmen of the entire district, so that the members of the slate-club could shop with slate-club tickets practically where they chose. He saw his slate-club so powerful that no tradesman could afford not to be in relations with it. He had induced all Llandudno to perform the same act daily for nearly a whole season, and he now wished to induce all the vast Five Towns to perform the same act to his profit for all eternity.

And he would be a philanthropist into the bargain. He would encourage thrift in the working-man and the working-man's wife. He would guard the working-man's money for him; and to save trouble to the working-man he would call at the working-man's door for the working-man's money. Further, as a special inducement and to prove superior advantages to ordinary slate-clubs, he would allow the working man to spend his full nominal subscription to the club as soon as he had actually paid only half of it. Thus, after paying ten shillings to Denry, the working-man could spend a pound in Denry's chosen shops, and Denry would settle with the shops at once, while collecting the balance weekly at the working-man's door. But this privilege of anticipation was to be forfeited or postponed if the working-man's earlier payments were irregular.

And Denry would bestow all these wondrous benefits on the working-man without any charge whatever. Every penny that members paid in, members would draw out. The affair was enormously philanthropic.

Denry's modest remuneration was to come from the shopkeepers upon whom his scheme would shower new custom. They were to allow him at least twopence in the shilling discount on all transactions, which would be more than 16 per cent. on his capital; and he would turn over his capital three times a year. He calculated that out of 50 per cent. per annum he would be able to cover working expenses and a little over.

Of course, he had to persuade the shopkeepers. He drove his mule to Hanbridge and began with Bostocks, the largest but not the most distinguished drapery house in the Five Towns. He succeeded in convincing them on every point except that of his own financial stability. Bostocks indicated their opinion that he looked far too much like a boy to be financially stable. His reply was to offer to deposit fifty pounds with them before starting business, and to renew the sum in advance as quickly as the members of his club should exhaust it. Cheques talk. He departed with Bostocks' name at the head of his list, and he used them as a clinching argument with other shops. But the prejudice against his youth was strong and general. "Yes," tradesmen would answer, "what you say is all right, but you are so young." As if to insinuate that a man must be either a rascal or a fool until he is thirty, just as he must be either a fool or a physician after he is forty. Nevertheless, he had soon compiled a list of several score shops.

His mother said:

"Why don't you grow a beard? Here you spend money on razors, strops, soaps and brushes, besides a quarter of an hour of your time every day, and cutting yourself--all to keep yourself from having something that would be the greatest help to you in business! With a beard you'd look at least thirty-one. Your father had a splendid beard, and so could you if you chose."

This was high wisdom. But he would not listen to it. The truth is, he was getting somewhat dandiacal.

At length his scheme lacked naught but what Denry called a "right-down good starting shove." In a word, a fine advertisement to fire it off. Now, he could have had the whole of the first page of the _Signal_ (at that period) for five-and-twenty pounds. But he had been so accustomed to free advertisements of one sort or another that the notion of paying for one was loathsome to him. Then it was that he thought of the Countess of Chell, who happened to be staying at Knype. If he could obtain that great aristocrat, that ex-Mayoress, that lovely witch, that benefactor of the district, to honour his Thrift Club as patroness, success was certain. Everybody in the Five Towns sneered at the Countess and called her a busybody; she was even dubbed "Interfering Iris" (Iris being one of her eleven Christian names); the Five Towns was fiercely democratic--in theory. In practice the Countess was worshipped; her smile was worth at least five pounds, and her invitation to tea was priceless. She could not have been more sincerely adulated in the United States, the home of social equality.

Denry said to himself:

"And why _shouldn't_ I get her name as patroness? I will have her name as patroness."

Hence the expedition to Sneyd Hall, one of the ancestral homes of the Earls of Chell.


III

He had been to Sneyd Hall before many times--like the majority of the inhabitants of the Five Towns--for, by the generosity of its owner, Sneyd Park was always open to the public. To picnic in Sneyd Park was one of the chief distractions of the Five Towns on Thursday and Saturday afternoons. But he had never entered the private gardens. In the midst of the private gardens stood the