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major as a most desirable acquaintance.

It is painful to have to remark, however, that, self-evident as this proposition might appear, it was vehemently contradicted by some of the initiated. There were rumours concerning the major which seriously compromised his private character. Indeed, such a pitch had they reached that when that gallant officer put himself forward as a candidate for a certain select club, he had, although proposed by a lord and seconded by a baronet, been most ignominiously pilled. In public the major affected to laugh over this social failure, and to regard it as somewhat in the nature of a practical joke, but privately he was deeply incensed. One day he momentarily dropped his veil of unconcern while playing billiards with the Honourable Fungus Brown, who was generally credited with having had some hand in the major's exclusion. "Be Ged! sir," the veteran suddenly exclaimed, inflating his chest and turning his apoplectic face upon his companion, "in the old days I would have called the lot of you out, sir, every demned one, beginning with the committee and working down; I would, be George!" At which savage attack the Honourable Fungus's face grew as white as the major's was red, and he began to wish that he had been more reserved in his confidences to some of his acquaintances respecting the exclusiveness of the club in question, or at least refrained from holding up the major's pilling as a proof thereof.

The cause of this vague feeling of distrust which had gone abroad concerning the old soldier was no very easy matter to define. It is true that he was known to have a book on every race, and to have secret means of information from stud-grooms and jockeys which occasionally stood him in good stead; but this was no uncommon thing among the men with whom he consorted. Again, it is true that Major Clutterbuck was much addicted to whist, with guinea points, and to billiard matches for substantial sums, but these stimulating recreations are also habitual to many men who have led eventful lives and require a strong seasoning to make ordinary existence endurable. Perhaps one reason may have been that the major's billiard play in public varied to an extraordinary degree, so that on different occasions he had appeared to be aiming at the process termed by the initiated "getting on the money." The warm friendships, too, which the old soldier had contracted with sundry vacuous and sappy youths, who were kindly piloted by him into quasi-fashionable life and shown how and when to spend their money, had been most uncharitably commented upon. Perhaps the vagueness about the major's private residence and the mystery which hung over him outside his clubs may also have excited prejudice against him. Still, however his detractors might malign him, they could not attempt to deny the fact that Tobias Clutterbuck was the third son of the Honourable Charles Clutterbuck, who again was the second son of the Earl of Dunross, one of the most ancient of Hibernian families. This pedigree the old soldier took care to explain to every one about him, more particularly to the sappy youths aforementioned.

It chanced that on the afternoon of which we speak the major was engrossed by this very subject. Standing at the head of the broad stone steps which lead up to the palatial edifice which its occupiers irreverently term the Rag and Bobtail, he was explaining to a bull-necked, olive-complexioned young man the series of marriages and inter-marriages which had culminated in the production of his own portly, stiff-backed figure. His companion, who was none other than Ezra Girdlestone, of the great African firm of that name, leaned against one of the pillars of the portico and listened gloomily to the major's family reminiscences, giving an occasional yawn which he made no attempt to conceal.

"It's as plain as the fingers of me hand," the old soldier said in a wheezy muffled brogue, as if he were speaking from under a feather-bed. "See here now, Girdlestone—this is Miss Letitia Snackles of Snackleton, a cousin of old Sir Joseph." The major tapped his thumb with the silver head of his walking-stick to represent the maiden Snackles. "She marries Crawford, of the Blues—one o' the Warwickshire Crawfords; that's him"—here he elevated his stubby forefinger; "and here's their three children, Jemima, Harold, and John." Up went three other fingers. "Jemima Crawford grows up, and then Charley Clutterbuck runs away with her. This other thumb o' mine will stand for that young divil Charley, and then me fingers—"

"Oh, hang your fingers," Girdlestone exclaimed with emphasis. "It's very interesting, major, but it would be more intelligible if you wrote it out."

"And so I shall, me boy!" the major cried enthusiastically, by no means abashed at the sudden interruption. "I'll draw it up on a bit o' foolscap paper. Let's see; Fenchurch Street, eh? Address to the offices, of course. Though, for that matter, 'Girdlestone, London,' would foind you. I was spakin' of ye to Sir Musgrave Moore, of the Rifles, the other day, and he knew you at once. 'Girdlestone?' says he. 'The same,' says I. 'A merchant prince?' says he. 'The same,' says I. 'I'd be proud to meet him,' says he. 'And you shall,' says I. He's the best blood of county Waterford."

"More blood than money, I suppose," the young man said, smoothing out his crisp black moustache.

"Bedad, you've about hit it there. He went to California, and came back with five and twinty thousand pounds. I met him in Liverpool the day he arrived. 'This is no good to me, Toby,' says he. 'Why not?' I asks. 'Not enough,' says he; 'just enough to unsettle me.' 'What then?' says I. 'Put it on the favourite for the St. Leger,' says he. And he did too, every pinny of it, and the horse was beat on the post by a short head. He dropped the lot in one day. A fact, sir, 'pon me honour! Came to me next day. 'Nothing left!' says he. 'Nothing?' says I. 'Only one thing,' says he. 'Suicide?' says I. 'Marriage,' says he. Within a month he was married to the second Miss Shuttleworth, who had five thou. in her own right, and five more when Lord Dungeness turns up his toes."

"Indeed?" said his companion languidly.

"Fact, 'pon me honour! By the way—ah, here comes Lord Henry Richardson. How d'ye do, Richardson, how d'ye do? Ged, I remember Richardson when he was a tow-headed boy at Clongowes, and I used to lam him with a bootjack for his cheek. Ah, yes; I was going to say—it seems a demned awkward incident—ha! ha!—ridiculous, but annoying, you know. The fact is, me boy, coming away in a hurry from me little place, I left me purse on the drawers in the bedroom, and here's Jorrocks up in the billiard-room afther challenging me to play for a tenner—but I won't without having the money in me pocket. Tobias Clutterbuck may be poor, me dear friend, but"—and here he puffed out his chest and tapped on it with his round, sponge-like fist—"he's honest, and pays debts of honour on the nail. No, sir, there's no one can say a word against Tobias, except that he's a half-pay old fool with more heart than brains. However," he added, suddenly dropping the sentimental and coming back to the practical, "if you, me dear boy, can obloige me with the money until to-morrow morning, I'll play Jorrocks with pleasure. There's not many men that I'd ask such a favour of, and even from you I'd never accept anything more than a mere timporary convanience."

"You may stake your life on that," Ezra Girdlestone said with a sneer, looking sullenly down and tracing figures with the end of his stick on the stone steps. "You'll never get the chance. I make it a rule never to lend any one money, either for short or long periods."

"And you won't let me have this throifling accommodation?"

"No," the young man said decisively.

For a moment the major's brick-coloured, weather-beaten face assumed an even darker tint, and his small dark eyes looked out angrily from under his shaggy brows at his youthful companion. He managed to suppress the threatened explosion, however, and burst into a loud roar of laughter.

"'Pon me sowl!" he wheezed, poking the young man in the ribs with his stick, an implement which he had grasped a moment before as though he meditated putting it to a less pacific use, "you young divils of business-men are too much for poor old Tobias. Ged, sir, to think of being stuck in the mud for the want of a paltry tenner! Tommy Heathcote will laugh when he hears of it. You know Tommy of the 81st? He gave me good advice: 'Always sew a fifty-pound note into the lining of each waistcoat you've got. Then you can't go short.' Tried it once, and, be George! if me demned man-servant didn't stale that very waistcoat and sell it for six and sixpence. You're not going, are you?"

"Yes; I'm due in the City. The governor leaves at four. Good-bye.
Shall I see you to-night?"

"Card-room, as per usual," quoth the clean-shaven warrior. He looked after the retreating figure of his late companion with anything but a pleasant expression upon his face. The young man happened to glance round as he was half-way down the street, on which the major smiled after him paternally, and gave a merry flourish with his stick.

As the old soldier stood on the top of the club steps, pompous, pigeon-chested, and respectable, posing himself as though he had been placed there for the inspection of passers-by as a sample of the aristocracy within, he made several attempts to air his grievances to passing members touching the question of the expectant Jorrocks and the missing purse. Beyond, however, eliciting many sallies of wit from the younger spirits, for it was part of the major's policy to lay himself open to be a butt, his laudable perseverance was entirely thrown away. At last he gave it up in disgust, and raising his stick hailed a passing 'bus, into which he sprang, taking a searching glance round to see that no one was following him. After a drive which brought him to the other side of the City, he got out in a broad, busy thoroughfare, lined with large shops. A narrow turning from the main artery led into a long, dingy street, consisting of very high smoke-coloured houses, which ran parallel to the other, and presented as great a contrast to it as the back of a painting does to the front.

Down this sombre avenue the major strutted with all his wonted pomposity, until about half-way down he reached a tall, grim-looking house, with many notices of "apartments" glaring from the windows. The line of railings which separated this house from the street was rusty, and broken and the whole place had a flavour of mildew. The major walked briskly up the stone steps, hollowed out by the feet of generations of lodgers, and pushing open the great splotchy door, which bore upon it a brass plate indicating that the establishment was kept by a Mrs. Robins, he walked into the hall with the air of one who treads familiar ground. Up one flight of stairs, up two flights of stairs, and up three flights of stairs did he climb, until on the fourth landing he pushed open a door and found himself in a small room, which formed for the nonce the "little place" about which he was wont at the club to make depreciatory allusions, so skilfully introduced that the listener was left in doubt as to whether the major was the happy possessor of a country house and grounds, or whether he merely owned a large suburban villa. Even this modest sanctum was not entirely the major's own, as was shown by the presence of a ruddy-faced man with a long, tawny beard, who sat on one side of the empty fire-place, puffing at a great china-bowled pipe, and comporting himself with an ease which showed that he was no casual visitor.

As the other entered, the man in the chair gave vent to a guttural grunt without removing the mouthpiece of his pipe from between his lips; and Major Clutterbuck returned the greeting with an off-handed nod. His next proceeding was to take off his glossy hat

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