"In short, gentlemen, when I engaged in this business, I determined to carry it on with such spirit, as would either make my fortune, or entirely ruin me in a little time; and hitherto my endeavours have been tolerably successful. Nor do I think my proceedings a whit more criminal or unjust than those of other merchants, who strive to turn their money to the best account. The commodity I deal in is cash; and it is my business to sell it to the best advantage. A London factor sends a cargo of goods to market, and if he gets two hundred per cent upon the sale, he is commended for industry and address. If I sell money for one-fourth part of that profit, certain persons will be so unjust as to cry, Shame upon me, for taking such advantage of my neighbour's distress; not considering, that the trader took four times the same advantage of those people who bought his cargo, though his risk was not half so great as mine, and although the money I sold perhaps retrieved the borrower from the very jaws of destruction. For example, it was but yesterday I saved a worthy man from being arrested for a sum of money, for which he had bailed a friend who treacherously left him in the lurch. As he did not foresee what would happen, he had made no provision for the demand, and his sphere of life secluding him from all sorts of monied intercourse, he could not raise the cash by his credit in the usual way of borrowing; so that, without my assistance, he must have gone to jail; a disgrace which would have proved fatal to the peace of his family, and utterly ruined his reputation.--Nay, that very young gentleman, from whom I am just now parted, will, in all probability, be indebted to me for a very genteel livelihood. He had obtained the absolute promise of being provided for by a great man, who sits at the helm of affairs in a neighbouring kingdom; but, being destitute of all other resources, he could not have equipped himself for the voyage, in order to profit by his lordship's intention, unless I had enabled him to pursue his good fortune."
Renaldo was not a little pleased to hear this harangue, to which Fathom replied with many florid encomiums upon the usurer's good sense and humane disposition; then he explained the errand of his friend, which was to borrow three hundred pounds, in order to retrieve his inheritance, of which he had been defrauded in his absence.
"Sir," said the lender, addressing himself to Count Melvil, "I pretend to have acquired by experience some skill in physiognomy; and though there are some faces so deeply disguised as to baffle all the penetration of our art, there are others, in which the heart appears with such nakedness of integrity, as at once to recommend it to our goodwill. I own your countenance prepossesses me in your favour; and you shall be accommodated, upon those terms from which I never deviate, provided you can find proper security, that you shall not quit the British dominions; for that, with me, is a condition sine qua non."
This was a very disagreeable declaration to Renaldo, who candidly owned, that, as his concerns lay upon the Continent, his purpose was to leave England without delay. The usurer professed himself sorry that it was not in his power to oblige him; and, in order to prevent any further importunity, assured them, he had laid it down as a maxim, from which he would never swerve, to avoid all dealings with people whom, if need should be, he could not sue by the laws of this realm.
Thus the intervention of one unlucky and unforeseen circumstance blasted in an instant the budding hopes of Melvil, who, while his visage exhibited the most sorrowful disappointment, begged to know, if there was any person of his acquaintance who might be less scrupulous in that particular.
The young gentleman directed them to another member of his profession, and wishing them success, took his leave with great form and complaisance. This instance of politeness was, however, no more than a shift to disengage himself the more easily from their entreaties; for, when the case was opened to the second usurer, he blessed himself from such customers, and dismissed them with the most mortifying and boorish refusal. Notwithstanding these repulses, Renaldo resolved to make one desperate push; and, without allowing himself the least respite, solicited, one by one, not fewer than fifteen persons who dealt in this kind of traffic, and his proposals were rejected by each. At last, fatigued by the toil, and exasperated at the ill success of his expedition, and half mad with the recollection of his finances, which were now drained to half-a-crown, "Since we have nothing to expect," cried he, "from the favour of Christians, let us have recourse to the descendants of Judah. Though they lie under the general reproach of nations, as a people dead to virtue and benevolence, and wholly devoted to avarice, fraud, and extortion, the most savage of their tribe cannot treat me with more barbarity of indifference, than I have experienced among those who are the authors of their reproach."
Although Fathom looked upon this proposal as an extravagant symptom of despair, he affected to approve of the scheme, and encouraged Renaldo with the hope of succeeding in another quarter, even if this expedition should fail; for, by this time, our adventurer was half resolved to export him at his own charge, rather than he should be much longer restricted in his designs upon Monimia.
Meanwhile, being resolved to try the experiment upon the children of Israel, they betook themselves to the house of a rich Jew, whose wealth they considered as a proof of his rapaciousness; and, being admitted into his counting-house, they found him in the midst of half a dozen clerks, when Renaldo, in his imagination, likened him unto a minister of darkness surrounded by his familiars, and planning schemes of misery to be executed upon the hapless sons of men. In spite of these suggestions, which were not at all mitigated by the forbidding aspect of the Hebrew, he demanded a private audience; and, being ushered into another apartment, he explained his business with manifest marks of disorder and affliction. Indeed, his confusion was in some measure owing to the looks of the Jew, who, in the midst of this exordium, pulled down his eyebrows, which were surprisingly black and bushy, so as, in appearance, totally to extinguish his visage, though he was all the time observing our youth from behind those almost impenetrable thickets.
Melvil, having signified his request, "Young gentleman," said the Israelite, with a most discordant voice, "what in the name of goodness could induce you to come to me upon such an errand? Did you ever hear that I lent money to strangers without security?" "No," replied Renaldo, "nor did I believe I should profit by my application; but my affairs are desperate; and my proposals having been rejected by every Christian to whom they were offered, I was resolved to try my fate among the Jews, who are reckoned another species of men."
Fathom, alarmed at this abrupt reply, which he supposed could not fail to disgust the merchant, interposed in the conversation, by making an apology for the plain dealing of his friend, who, he said, was soured and ruffled by his misfortunes; then exerting that power of eloquence which he had at command, he expostulated upon Renaldo's claim and expectations, described the wrongs he had suffered, extolled his virtue, and drew a most pathetic picture of his distress.
The Jew listened attentively for some time; then his eyebrows began to rise and fall alternately; he coughed, sneezed, and winking hard, "I'm plagued," said he, "with a salt rheum that trickles from my eyes without intermission." So saying, he wiped the moisture from his face, and proceeded in these words: "Sir, your story is plausible; and your friend is a good advocate; but before I give an answer to your demand, I must beg leave to ask if you can produce undeniable evidence of your being the identical person you really assume? If you are really the Count de Melvil, you will excuse my caution. We cannot be too much on our guard against fraud; though I must own you have not the air of an impostor."
Renaldo's eyes began to sparkle at this preliminary question; to which he replied, that he could procure the testimony of the Emperor's minister, to whom he had occasionally paid his respects since his first arrival in England.
"If that be the case," said the Jew, "take the trouble to call here to-morrow morning, at eight o'clock, and I will carry you in my own coach to the house of his excellency, with whom I have the honour to be acquainted; and, if he has nothing to object against your character or pretensions, I will contribute my assistance towards your obtaining justice at the Imperial court."
The Hungarian was so much confounded at this unexpected reception, that he had not power to thank the merchant for his promised favour, but stood motionless and silent, while the streams of emotion of the heart was of more weight with the Jew, than the eloquent acknowledgment which Ferdinand took the opportunity of making for his friend; and he was fain to dismiss them a little abruptly,