bring him to utter ruin, came even more quickly and suddenly than he had anticipated. He had some heavy liabilities, but at considerable loss had collected the necessary sums, which were placed in the hands of his bankers to meet them. The morning of the very day on which the money was to be paid, his bankers failed, and he was in consequence compelled to stop payment. Still, his creditors had so much confidence in him that they would have enabled him to continue business; but scarcely a week had passed before he received news that two of his principal foreign correspondents, with whom he had at the time very large transactions, had likewise failed. Thus the remittances he was expecting from them did not arrive, and he was utterly unable to meet other and still heavier liabilities which were daily falling due. He at once manfully called his creditors together, and explained clearly to them the state of the case, and handed all his available property over to them. He bore up well under the trying situation in which he was placed; he even, I heard, looked cheerful. He was doing what he felt to be his duty. He trusted still, by industry and energy, to be able to support his family; but there was something working away at his heart which those who saw him did not suspect, and of which he himself possibly was not aware. He went back to his counting-house after this last meeting of his creditors. He wrung the hand of his faithful head-clerk, Mr Ward, who had himself suffered severely by the failure of the bank; and then, scarcely venturing to speak, set off to come home.
That home he never reached alive. Between the station and his house he was seen to fall, and being carried into the nearest shop, immediately breathed his last. Sad and almost overwhelming was the account which was brought us. I will not enter into the particulars, with which my readers generally cannot be interested.
Deep was our grief at our kind father's loss. We were left also almost penniless. He had insured his life, but by some unaccountable neglect of his trustees, we could not benefit by the insurance. Had Alfred been at home, we should, it appeared, have been placed above want, at all events. A considerable sum of money had been left him by his godfather, the interest of which was to be paid over to our father or mother for his use from the time he was sixteen. In case of his death, it was to go to another godson of the same old gentleman. Unless, therefore, the trustees in whose names the capital was invested were assured that he was alive, they, of course, could not venture to pay our mother the money.
After our first burst of grief, was over, and we could talk with some calmness, I told my mother of the idea which had so long occupied my mind, and besought her to allow me to carry it into execution. Herbert, it was very clear, was not so well fitted for the undertaking as I was. Somebody, I argued, ought to go, and as I had long set my heart on the work, and thought, or fancied that I had thought, of all the difficulties I should have to encounter, I was better fitted for it than anybody else. I would also visit my grandfather in the Mauritius, and he certainly would give me important assistance in tracing out my brother. Steadily and strenuously I pressed the point, till at length my mother came entirely into my view of the case, and gave me her full permission to set off, and to make such arrangements as I thought necessary. As soon as she had done this, though her fast falling tears told me how much the effort cost her, a load appeared to be taken off my heart. I felt as if I had at once grown into a man, and was about to begin the serious business of life. Scarcely a fortnight had elapsed after my father's funeral before it was arranged that I was to go. How to carry out my purpose was the next consideration. On one point I was resolved--not to deprive my mother and sisters of a farthing of the small sum which could be collected for their support. I had a fair stock of clothes, and Herbert insisted on my taking some of his, so that I was at no expense for my outfit. The first thing Herbert and I did was to set off for the London Docks, where I had been several times with my father, to try and find a ship bound for the Cape of Good Hope or the Mauritius, at one
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