第25章

WARDLAW was at home before this with his hands full of business; and it is time the reader should be let into one secret at least, which this merchant had contrived to conceal from the City of London, and from his own father, and from every human creature, except one poor, simple, devoted soul, called Michael Penfold.

There are men, who seem stupid, yet generally go right; there are also clever men, who appear to have the art of blundering wisely--_"sapienter descendunt in infernum,"_ as the ancients have it; and some of these latter will even lie on their backs, after a fall, and lift up their voices, and prove to you that in the nature of things they ought to have gone up, and their being down is monstrous; illusory.

Arthur Wardlaw was not quite so clever as all that. Still he misconducted the business of the firm with perfect ability from the first month he entered on it. Like those ambitious railways which ruin a goodly trunk with excess of branches, not to say twigs, he set to work extending, and extending, and sent the sap of the healthy old concern flying to the ends of the earth.

He was not only too ambitious, and not cool enough; he was also unlucky, or under a curse, or something; for things well conceived broke down, in his hands, under petty accidents. And, besides, his new correspondents and agents hit him cruelly hard. Then what did he? Why, shot good money after bad, and lost both. He could not retrench, for his game was concealment; his father was kept in the dark, and drew his four thousand a year, as usual, and, upon any hesitation in that respect, would have called in an accountant and wound up the concern. But this tax upon the receipts, though inconvenient, was a trifle compared with the series of heavy engagements that were impending. The future was so black that Wardlaw junior was sore tempted to realize twenty thousand pounds, which a man in his position could easily do, and fly the country. But this would have been to give up Helen Rolleston; and he loved her too well.

His brain was naturally subtle and fertile in expedients; so he brought all its powers to bear on a double problem--how to marry Helen and restore the concern he had mismanaged to its former state. For this a large sum of money was needed, not less than ninety thousand pounds.

The difficulties were great; but he entered on this project with two advantages. In the first place, he enjoyed excellent credit; in the second, he was not disposed to be scrupulous. He had been cheated several times; and nothing undermines feeble rectitude more than that. Such a man as Wardlaw is apt to establish a sort of account current with humanity.

"Several fellow-creatures have cheated me. Well, I must get as much back, by hook or by crook, from several fellow-creatures."

After much hard thought he conceived his double master-stroke. And it was to execute this he went out to Australia.

We have seen that he persuaded Helen Rolleston to come to England and be married; but, as to the other part of his project, that is a matter for the reader to watch, as it develops itself.

His first act of business, on reaching England, was to insure the freights of the _Proserpine_ and the _Shannon._

He sent Michael Penfold to Lloyds', with the requisite vouchers, including the receipts of the gold merchants. Penfold easily insured the _Shannon,_ whose freight was valued at only six thousand pounds. The _Proserpine,_ with her cargo, and a hundred and thirty thousand pounds of specie to boot, was another matter. Some underwriters had an objection to specie, being subject to theft as well as shipwreck; other underwriters, applied to by Penfold, acquiesced; others called on Wardlaw himself, to ask a few questions, and he replied to them courteously, but with a certain nonchalance, treating it as an affair which might be big to them, but was not of particular importance to a merchant doing business on his scale.

To one underwriter, Condell, with whom he was on somewhat intimate terms, he said, "I wish I could insure the _Shannon_ at her value; but that is impossible. The City of London could not do it. The _Proserpine_ brings me some cases of specie, but my true treasure is on board the _Shannon._

She carries my bride, sir."

"Oh, indeed! Miss Rolleston."

"Ah, I remember; you have seen her. Then you will not be surprised at a proposal I shall make you. Underwrite the _Shannon_ a million pounds, to be paid by you if harm befalls my Helen. You need not look so astonished;

I was only joking; you gentlemen deal with none but substantial values; and, as for me, a million would no more compensate me for losing her, than for losing my own life."

The tears were in his pale eyes as he said these words; and Mr. Condell eyed him with sympathy. But he soon recovered himself, and was the man of business again. "Oh, the specie on board the _Proserpine?_ Well, I was in Australia, you know, and bought that specie myself of the merchants whose names are attached to the receipts. I deposited the cases with White & Co., at Sydney. Penfold will show you the receipt. I instructed Joseph Wylie, mate of the _Proserpine,_ and a trustworthy person, to see them stowed away in the _Proserpine,_ by White & Co. Hudson is a good seaman; and the _Proserpine_ a new ship, built by Mare. We have nothing to fear but the ordinary perils of the sea."

"So one would think," said Mr. Condell, and took his leave; but, at the door he hesitated, and then, looking down a little sheepishly, said, "Mr. Wardlaw, may I offer you a piece of advice?"

"Certainly."

Then, double the insurance on the _Shannon,_ if you can.

With these words he slipped out, evidently to avoid questions he did not intend to answer.

Wardlaw stared after him, stupidly at first, and then stood up and put his hand to his head in a sort of amazement. Then he sat down again, ashy pale, and with the dew on his forehead, and muttered faintly, "Double--the insurance--of the--_Shannon!"_