"Fact is, Ringrose." continued Lowndes, "the noble Earl is trying to play me false. He won't keep it up, mind you; he's in too deep with me to dare; but he's trying it on. Yesterday was the day we were to fix things up for good and all. I wasn't sure of him, Ringrose; he's shown himself a slippery old cuss too often. However, I had raised a breath of wind since I saw you last, and I had a fiver left, so I thought we'd make sure of our little spree. Blue your last fiver--that's my rule. Never count the odds in the day of battle, and blue your last fiver for luck! If you don't blue that fiver you may never have another to blue, and I'm hanged if you deserve one! Well, that was my last fiver we blued last night. Don't look like that, man--I tell you I blued it for luck. The luck hasn't come yet, but you may bet your shirt it's on the way. You'll see the noble Earl trot back to heel when I threaten to expose him if he doesn't! Why, I've got letters from him that would make him the laughing-stock of the Lords; yet he leaves me one crying off in so many words, and has cleared for the Mediterranean in his yacht. Either he'll come back within a week, Ringrose, and go through with the Company, or by God he shall pay through the nose for breaking his word and wasting my time! But I see you looking at my toilet. It is a bit of an anachronism, I confess."
"I suppose you have been sitting up all night," said Harry. "I'm not surprised after what you tell me."
"You'll never find me doing that!" he cried. "I leave the sitting up to my creditors! They'll sit up pretty slick before I've done with 'em--so will the noble Earl. Now let me enlighten you. You remember all those clothes I ordered from your trustful tailors, and how I told you never to neglect a good credit? Well, to give you a practical illustration of the merits of my advice, I've been living on those clothes ever since. I have so! Yesterday this time the whole boiling were up the spout. I just got out the dress-suit and this Inverness for one night only, and changed into them up here. Now I've got to put them in pop again, and that's why you find me with them on. Do you follow me, Ringrose? Those good old duds are the only garments I've got in the world--thanks to the so-called Right Honourable the Earl of Banff."