I say again, I am daily brought in contact with all ranks of society, from the poverty-stricken patentee to the peer; and I am no more surprised at receiving an application from a duchess than from a pet opera-dancer. In my ante-room wait, at this moment, a crowd of borrowers. Among the men, beardless folly and mustached craft are most prominent: there is a handsome young fellow, with an elaborate cane and wonderfully vacant countenance, who is anticipating, in feeble follies, an estate that has been in the possession of his ancestors since the reign of Henry the Eighth. There is a hairy, high-nosed, broken-down non-descript, in appearance some thing between a horse-dealer and a pugilist. He is an old Etonian. Five years ago he drove his four-in-hand; he is now waiting to beg a sovereign, having been just discharged from the Insolvent Court, for the second time. Among the woman, a pretty actress, who, a few years since, looked forward to a supper of steak and onions, with bottled stout, on a Saturday night, as a great treat, now finds one hundred pounds a month insufficient to pay her wine-merchant and her confectioner. I am obliged to deal with each case according to its peculiarities. Genuine undeserved Ruin seldom knocks at my door. Mine is a perpetual battle with people who imbibe trickery at the same rate as they dissolve their fortunes. I am a hard man, of course. I should not be fit for my pursuit if I were not; but when, by a remote chance, honest misfortune pays me a visit, as Rothschild amused himself at times by giving a beggar a guinea, so I occasionally treat myself to the luxury of doing a kind action.
My favorite subjects for this unnatural generosity, are the very young, or the poor, innocent, helpless people, who are unfit for the war of life. Many among my clients (especially those tempered in the "ice-brook" of fashion and high life--polished and passionless) would be too much for me, if I had not made the face, the eye, the accent, as much my study as the mere legal and financial points of discount. To show what I mean, I will relate what happened to me not long since:
One day, a middle-aged man, in the usual costume of a West-end shopman, who had sent in his name as Mr. Axminster, was shown into my private room. After a little hesitation, he said, "Although you do not know me, living at this end of the town, I know you very well by reputation, and that you discount bills. I have a bill here which I want to get discounted. I am in the employ of Messrs. Russle and Smooth. The bill is drawn by one of our best customers, the Hon. Miss Snape, niece of Lord Blimley, and accepted by Major Munge; whom, no doubt, you know by name. She has dealt with us for some years, is very, very extravagant; but always pays." He put the acceptance--which was for two hundred pounds--into my hands.