Beyond The City

"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 £1,600. Now I will do my very best for you, Admiral! I will advance you £2,000, 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 backed cheque-book upon the table. The moneylender opened it and dipped his pen into the ink.

"Shall I fill it up?" said he.

"I think, Admiral," remarked Westmacott, "that we had better have a little walk and some luncheon before we settle this matter."

"Oh, we may as well do it at once. It would be absurd to postpone it now," Metaxa spoke with some heat, and his eyes glinted angrily from between his narrow lids at the imperturbable Charles. The Admiral was simple in money matters, but he had seen much of men and had learned to read them. He saw that venomous glance, and saw too that intense eagerness was peeping out from beneath the careless air which the agent had assumed.

"You're quite right, Westmacott," said he. "We'll have a little walk before we settle it."

"But I may not be here this afternoon."

"Then we must choose another day."

"But why not settle it now?"

"Because I prefer not," said the Admiral shortly.

"Very well. But remember that my offer is only for to-day. It is off unless you take it at once."

"Let it be off, then.

"There's my fee," cried the doctor.

"How much?"

"A guinea."

The Admiral threw a pound and a shilling upon the table. "Come, Westmacott," said he, and they walked together from the room.

"I don't like it," said Charles, when they found themselves in the street once more; "I don't profess to be a very sharp chap, but this is a trifle too thin. What did he want to go out and speak to the doctor for? And how very convenient this tale of a weak heart was! I believe they are a couple of rogues, and in league with each other."

"A shark and a pilot fish," said the Admiral.

"I'll tell you what I propose, sir. There's a lawyer named McAdam who does my aunt's business. He is a very honest fellow, and lives at the other side of Poultry. We'll go over to him together and have his opinion about the whole matter."

"How far is it to his place?"

"Oh, a mile at least. We can have a cab."

"A mile? Then we shall see if there is any truth in what that swab of a doctor said. Come, my boy, and clap on all sail, and see who can stay the longest."

Then the sober denizens of the heart of business London saw a singular sight as they returned from their luncheons. Down the roadway, dodging among cabs and carts, ran a weather-stained elderly man, with wide flapping black hat, and homely suit of tweeds. With elbows braced back, hands clenched near his armpits, and chest protruded, he scudded along, while close at his heels lumbered a large-limbed, heavy, yellow mustached young man, who seemed to feel the exercise a good deal more than his senior. On they dashed, helter-skelter, until they pulled up panting at the office where the lawyer of the Westmacotts was to be found.

"There now!" cried the Admiral in triumph. "What d'ye think of that? Nothing wrong in the engine-room, eh?"

"You seem fit enough, sir.

"Blessed if I believe the swab was a certificated doctor at all. He was flying false colors, or I am mistaken."

"They keep the directories and registers in this eating-house," said Westmacott. "We'll go and look him out."

They did so, but the medical rolls contained no such name as that of Dr. Proudie, of Bread Street.

"Pretty villainy this!" cried the Admiral, thumping his chest. "A dummy doctor and a vamped up disease. Well, we've tried the rogues, Westmacott! Let us see what we can do with your honest man."

Chapter XIV. Eastward ho!

Mr. McAdam, of the firm of McAdam and Squire, was a highly polished man who dwelt behind a highly polished table in the neatest and snuggest of offices. He was white-haired and amiable, with a deep-lined aquiline face, was addicted to low bows, and indeed, always seemed to carry himself at half-cock, as though just descending into one, or just recovering himself. He wore a high-buckled stock, took snuff, and adorned his conversation with little scraps from the classics.

"My dear Sir," said he, when he had listened to their story, "any friend of Mrs. Westmacott's is a friend of mine. Try a pinch. I wonder that you should have gone to this man Metaxa. His advertisement is enough to condemn him. Habet foenum in cornu. They are all rogues."

"The doctor was a rogue too. I didn't like the look of him at the time."

"Arcades ambo. But now we must see what we can do for you. Of course what Metaxa said was perfectly right. The pension is in itself no security at all, unless it were accompanied by a life assurance which would be an income in itself. It is no good whatever."

His clients' faces fell.

"But there is the second alternative. You might sell the pension right out. Speculative investors occasionally deal in such things. I have one client, a sporting man, who would be very likely to take it up if we could agree upon terms. Of course, I must follow Metaxa's example by sending for a doctor."

For the second time was the Admiral punched and tapped and listened to. This time, however, there could be no question of the qualifications of the doctor, a well-known Fellow of the College of Surgeons, and his report was as favorable as the other's had been adverse.

"He has the heart and chest of a man of forty," said he. "I can recommend his life as one of the best of his age that I have ever examined."

"That's well," said Mr. McAdam, making a note of the doctor's remarks, while the Admiral disbursed a second guinea. "Your price, I understand, is five thousand pounds. I can communicate with Mr. Elberry, my client, and let you know whether he cares to touch the matter. Meanwhile you can leave your pension papers here, and I will give you a receipt for them."

"Very well. I should like the money soon."