“Indeed!” said Hardie quietly; “that must be regulated.” He added graciously, as if conferring a great favour, “I'll look into the books myself, Skinner.”
He did more: he sat up all night over the books; and his heart died with him. Bankruptcy seemed coming towards him, slow perhaps, but sure. And meantime to live with the sword hanging over him by a hair!
Soon matters approached a crisis; several large drafts were drawn, which would have cleaned the bank out, but that the yearly rents of a wealthy nobleman had for some days past been flowing in. This nobleman had gone to explore Syria and Assyria. He was a great traveller, who contrived to live up to his income at home, but had never been able to spend a quarter of it abroad, for want of enemies and masters--better known as friends and servants--to help him. So Hardie was safe for some months, unless there should be an extraordinary run on him, and that was not likely this year; the panic had subsided, and, _nota bene,_ his credit had never stood higher. The reason was, he had been double-faced; had always spoken against railways: and his wise words were public, whereas his fatal acts had been done in the dark.
But now came a change, a bitter revulsion, over this tossed mind: hope and patience failed at last, and his virtue, being a thing of habit and traditions rather than of the soul, wore out; nay more, this man, who had sacrificed so nobly to commercial integrity, was filled with hate of his idol and contempt of himself. “Idiot!” said he, “to throw away a fortune fighting for honour--a greater bubble than that which has ruined me--instead of breaking like a man, with a hidden purse, and starting fair again, as sensible traders do.”
No honest man in the country that year repented of his vices so sincerely as Richard Hardie loathed his virtue. And he did not confine his penitence to sentiment: he began to spend his days at the bank poring over the books, and to lay out his arithmetical genius in a subtle process, that should enable him by degrees to withdraw a few thousands from human eyes for his future use, despite the feeble safeguards of the existing law. In other words, Richard Hardie, like thousands before him, was fabricating and maturing a false balance-sheet.