It was an honorable position, patiently tried for and cleverly won. None of the Bendibows, since the time of Abraham, their progenitor, had been in any sense men of genius; but, on the other hand, none of them had been destitute of common sense, prudence, steadiness, suppleness, and persistency; and they had also possessed—what perhaps was of more value to them than any of their native virtues—a private family bible, in the shape of the book of rules, written and bequeathed to them by the patriarch above mentioned. It would be interesting, and possibly edifying, to review the contents of this work. No doubt it was brimming over with human astuteness; and might be described as a translation into eighteenth-century ideas and language of the mystic injunctions of the old alchemists in reference to the Philosopher’s Stone. Be that as it may, the book went far toward achieving the end for which it was composed; and if the Bendibows were as yet not quite a hundredfold millionaires and peers of the realm, they seemed fairly on their way to be so. To that consummation the brethren themselves looked forward with justifiable confidence. Nevertheless, looking at their whole history from the vantage-ground of our own century, we can see that the accession of George the Third was the period of their actual apogee.
It was about that time that Francis Bendibow was born—he whose genius almost equaled that of Abraham, and who, indeed, carried the reputation of the bank to a point higher than any which it had before attained. But reputation does not always, nor in the long run, mean prosperity; and Sir Francis Bendibow, along with his genius, perhaps possessed some qualities which, under pressure of circumstances, were capable of doing mischief. But that shall be enlarged upon in its proper place.
Society was now becoming more intellectual, more civilized, and more depraved. That abstruse idea, which is covered by the phrase “Fine Gentleman,” now received its most complete embodiment. It was a patrician era, but also an era in which genius, of whatever kind, could force men and women from obscurity to the light. The youthful Sheridan was making a good impression at Bath by his fine figure, hearty face, and manly and unaffected bearing, even before the “Rivals” and the “School for Scandal” had been written; and he and his fellow-countryman, Tom Grantley—though the latter was more than fifteen years his senior—were on the most cordial terms; and it was said at the time that Grantley was of assistance to Sheridan in that gentleman’s elopement with the beautiful Miss Linley. Fox, with others of his kidney, were setting the fashion of colossal gambling as a means of working off their superfluous nervous vitality and the estates of their ancestors; Whattier’s and White’s, Brookes’s and Raffett’s saw such sights as will never come again; statesmen and macaronis, parsons and opera-dancers, soldiers and play-writers, fine ladies and fine females, all, according to their several natures and capacities, took the most serious interest in cock-fighting, rat-hunting, singing and dancing, betting, dicing, antique statues and old pictures, divorce and atheism. But, as the century culminated, war, and the armies which fought it, overtopped all other interests; political opinions, or professions of opinion, were at the acme of vehemence; furious pamphlets fluttered on all sides; Dibdin wrote songs to encourage Nelson’s sailors; Wilkes was synonymous with liberty; and King George, believing himself the father of his people, spent his long life in doing them all the harm in his power. And all this, too, required money, and more money than ever; and Bendibow Brothers were more than ever mixed up in it—more, indeed, than was at that time suspected; for Francis Bendibow had begun to show what was in him; and his suggestions and enterprises had begun first to astound, then to dazzle and fascinate his more methodical and humdrum partners, until it seemed likely that he might take upon himself to edit a new and improved edition of the private family bible. In truth, he was a very brilliant and popular gentleman, whom everybody knew, and whom nobody who was anybody disliked. He was the confidant of as many social secrets as a fashionable physician or lawyer, and knew more about political intrigues than any other man out of the Cabinet. It was a marvel how well, considering the weight of his multifarious responsibilities, he managed to preserve his aspect of gayety and good nature. But it often happens that precisely those persons who have most to conceal, and who deal most in mysteries, appear, in the careless eyes of their contemporaries, more frank and undisguised than anybody else. Sir Francis Bendibow, be it repeated, was a general favorite of society, as well as a special favorite of fortune; and somewhere about 1790 he confirmed his successes by allying himself with the Barons Croftus by marriage with a daughter of the then lord.
From that time forward the affairs of Bendibow Brothers went on with much ostensible smoothness and good fortune, though whether anything less serene and comfortable lay hidden beneath this fair surface, is a question the answer to which must for the moment be reserved. One or two events only need to be mentioned, in order to bring us down to the epoch at which this story properly begins. Tom Grantley, who throughout his career had always been an ample customer of the Bendibows, and who, like so many others, had insensibly allowed his business relations with them to develop into social intercourse, had, in 1771, placed his son Charles, then a boy of fifteen, in the bank in the capacity of clerk, with the understanding that he was afterward to be admitted to partnership, should he turn out to be qualified for that position. This was a good thing for Charles, in a pecuniary point of view, and his abilities, which were always remarkable, made it likely that his career would be a successful one. As for the social aspects of the affair, the Bendibows were perhaps greater gainers than Grantley, since Charles had the noble Seabridge blood in his veins. But Charles’ father, though aristocratic and imperious enough in his own practice, was theoretically liberal and even republican in his views; and possibly he was not sorry to requite the neglect which his wife’s family had shown him by embarking the grandson of the earl in a mercantile life. Charles, for his own part, was actually what his father was only in idea; that is to say, he sympathized with the enlightened and revolutionary spirit that was abroad, and which was taking palpable form in the American colonies and in France. He rebelled against the claims of caste, and, before he was twenty-one, was pretty well known as a social reformer and radical. This, of itself, would not have impaired the social popularity of one who could call an earl his kinsman; not only because extreme opinions were in those days considered rather interesting and amusing than otherwise, but because then, as at all times, a man may be or say anything he pleases, provided he will be or say it in a sufficiently graceful or skillful manner. But Charles, unfortunately, was as abrupt, unconciliating and dogmatic in his manner as he was startling and unconventional in his views. He was not only able to utter disagreeable and embarrassing truths at inconvenient moments, but he seemed actually fond of doing so; and, since he was not more prepossessing in person than