He also lent money, and contrived to solve the usurers' problem—perfect security and huge interest.
He arrived at this by his own sagacity and the stupidity of mankind.
Mankind are not wanting in intelligence; but, as a body, they have one intellectual defect—they are muddle-heads.
Now these muddle-heads have agreed to say that land is in all cases five times a surer security for money lent than movables are. Whereas the fact is that sometimes it is and sometimes it is not. Owing to the above delusion the proprietor of land can always borrow money at four per cent, and other proprietors are often driven to give ten—twenty—thirty.
So John Meadows lent mighty little upon land, but much upon oat-ricks, wagons, advantageous leases and such things, solid as land and more easily convertible into cash.
Thus without risk he got his twenty per cent. Not that he appeared in these transactions—he had too many good irons in the fire to let himself be called a usurer.
He worked this business as three thousand respectable men are working it in this nation. He had a human money-bag, whose strings he went behind a screen and pulled.
The human money-bag of Meadows was Peter Crawley.
This Peter Crawley, some years before our tale, lay crushed beneath a barrowful of debts—many of them to publicans. In him others saw a cunning fool and a sot—Meadows an unscrupulous tool. Meadows wanted a tool, and knew the cheapest way to get the thing was to buy it, so he bought up all Crawley's debts, sued him, got judgments out against him, and raising the ax of the law over Peter's head with his right hand, offered him the left hand of fellowship with his left. Down on his knees went Crawley and resigned his existence to this great man.
Human creatures, whose mission it is to do whatever a man secretly bids them, are not entitled to long and interesting descriptions.
Crawley was fifty, wore a brown wig, the only thing about him that did not attempt disguise, and slouched in a brown coat and a shirt peppered with snuff.
In this life he was an infinitesimal attorney. Previously, unless Pythagoras was a goose, he had been a pole-cat.
Meadows was ambidexter. The two hands he gathered coin with were Meadows and Crawley. The first his honest, hard-working hand; the second his three-fingered Jack, his prestidigital hand; with both he now worked harder than ever. He hurried from business to business—could not wait to chat, or drink a glass of ale after it; it was all work! work! work!—money! money! money! with John Meadows, and everything he touched turned to gold in his hands; yet for all this burning activity the man's heart had never been so little in business. His activity was the struggle of a sensible, strong mind to fight against its one weakness.
“Cedit amor rebus; res age tutus eris,” is a very wise saying, and Meadows, by his own observation and instinct, sought the best antidote for love.
But the Latins had another true saying, that “nobody is wise at all hours.”
After his day of toil and success he used to be guilty of a sad inconsistency. He shut himself up at home for two hours, and smoked his pipe, and ran his eye over the newspaper, but his mind over Susan Merton.
Worse than this, in his frequent rides he used to go a mile or two out of his way to pass Grassmere farmhouse; and however fast he rode the rest of his journey he always let his nag walk by the farmhouse, and his eye brightened with hope as he approached it, and his heart sank as he passed it without seeing Susan.
He now bitterly regretted the vow he had made, never to visit the Mertons again unless they sent for him.
“They have forgotten me altogether,” said he bitterly. “Well, the best thing I can do is to forget them.”
Now, Susan had forgotten him; she was absorbed in her own grief; but Merton was laboring under a fit of rheumatism, and this was the reason why Meadows and he did not meet. In fact, farmer Merton often said to his daughter, “John Meadows has not been to see us a long while.”
“Hasn't he, father?” was Susan's languid and careless reply.
One Sunday, Meadows, weakened by his inner struggle, could not help going to Grassmere church. At least he would see her face. He had seated himself where he could see her. She took her old place by the pillar; nobody was near her. The light from a side window streamed full upon her. She was pale, and the languor of sorrow was upon every part of her face, but she was lovely as ever.
Meadows watched her, and noticed that more than once without any visible reason her eyes filled with tears, but she shed none. He saw how hard she tried to give her whole soul to the services of the church and to the word of the preacher; he saw her succeed for a few minutes at a time, and then with a lover's keen eye he saw her heart fly away in a moment from prayer and praise and consolation, and follow and overtake the ship that was carrying her George farther and farther away from her across the sea; and then her lips quivered with earthly sorrow even as she repeated words that came from Heaven, and tried to bind to her heavy heart the prayers for succor in every mortal ill, the promises of help in every mortal woe, with which holy Church and holier Writ comfort her and all the pure of heart in every age.
Then Meadows, who up to this moment had been pitying himself, had a better thought and pitied Susan. He even went so far as to feel that he ought to pity George, but he did not do it; he could not, he envied him too much; but he pitied Susan, and he longed to say something kind and friendly to her, even though there should not be a word or a look of love in it.
Susan went out by one of the church doors, Meadows by another, intending to meet her casually upon the road home. Susan saw his intention and took another path, so that he could not come up with her without following her.
Meadows turned upon his heel and went home with his heart full of bitterness.
“She hates the sight of me,” was his interpretation.
Poor Susan, she hated nobody, she only hated to have to speak to a stranger, and to listen to a stranger; and in her present grief all were strangers to her except him she had lost and her father. She avoided Meadows not because he was Meadows, but because she wanted to be alone.
Meadows rode home despondently, then he fell to abusing his folly, and vowed he would think of her no more.
The next day, finding himself, at six o'clock in the evening, seated by the fire in a reverie, he suddenly started fiercely up, saddled his horse, and rode into Newborough, and, putting up his horse, strolled about the streets and tried to amuse himself looking at the shops before they closed.
Now it so happened that, stopping before a bookseller's shop, he saw advertised a work upon “The Australian Colonies.”
“Confound Australia!” said Meadows to himself, and turned on his heel, but the next moment, with a sudden change of mind, he returned and bought the book. He did more, he gave the tradesman an order for every approved work on Australia that was to be had.
The bookseller, as it happened, was going up to London next day, so that in the evening Meadows had some dozen volumes in his house, and a tolerably correct map of certain Australian districts.
“Let me see,” said Meadows, “what chance that chap has of making a thousand pounds out there.” This was no doubt the beginning of it, but it did not end there. The intelligent Meadows had not read a hundred pages before he found out what a wonderful country this Australia is, how worthy a money-getter's attention or any thoughtful man's.
It seemed as if his rival drew Meadows