Nothing had as yet occurred to shake Cocles' belief; the last month's payment had been made with the most scrupulous exactitude; Cocles had detected an overbalance of fourteen sous in his cash, and the same evening he had brought them to M. Morrel, who, with a melancholy smile, threw them into an almost empty drawer, saying: —
"Thanks, Cocles; you are the pearl of cashiers."
Cocles went away perfectly happy, for this eulogium of M. Morrel, himself the pearl of the honest men of Marseilles, flattered him more than a present of fifty crowns. But since the end of the month M. Morrel had passed many an anxious hour. In order to meet the payments then due; he had collected all his resources, and, fearing lest the report of his distress should get bruited abroad at Marseilles when he was known to be reduced to such an extremity, he went to the Beaucaire fair to sell his wife's and daughter's jewels and a portion of his plate. By this means the end of the month was passed, but his resources were now exhausted. Credit, owing to the reports afloat, was no longer to be had; and to meet the one hundred thousand francs due on the 10th of the present month, and the one hundred thousand francs due on the 15th of the next month to M. de Boville, M. Morrel had, in reality, no hope but the return of the Pharaon, of whose departure he had learnt from a vessel which had weighed anchor at the same time, and which had already arrived in harbor. But this vessel which, like the Pharaon, came from Calcutta, had been in for a fortnight, while no intelligence had been received of the Pharaon.
Such was the state of affairs when, the day after his interview with M. de Boville, the confidential clerk of the house of Thomson & French of Rome, presented himself at M. Morrel's. Emmanuel received him; this young man was alarmed by the appearance of every new face, for every new face might be that of a new creditor, come in anxiety to question the head of the house. The young man, wishing to spare his employer the pain of this interview, questioned the new-comer; but the stranger declared that he had nothing to say to M. Emmanuel, and that his business was with M. Morrel in person. Emmanuel sighed, and summoned Cocles. Cocles appeared, and the young man bade him conduct the stranger to M. Morrel's apartment. Cocles went first, and the stranger followed him. On the staircase they met a beautiful girl of sixteen or seventeen, who looked with anxiety at the stranger.
"M. Morrel is in his room, is he not, Mademoiselle Julie?" said the cashier.
"Yes; I think so, at least," said the young girl hesitatingly. "Go and see, Cocles, and if my father is there, announce this gentleman."
"It will be useless to announce me, mademoiselle," returned the Englishman. "M. Morrel does not know my name; this worthy gentleman has only to announce the confidential clerk of the house of Thomson & French of Rome, with whom your father does business."
The young girl turned pale and continued to descend, while the stranger and Cocles continued to mount the staircase. She entered the office where Emmanuel was, while Cocles, by the aid of a key he possessed, opened a door in the corner of a landing-place on the second staircase, conducted the stranger into an ante-chamber, opened a second door, which he closed behind him, and after having left the clerk of the house of Thomson & French alone, returned and signed to him that he could enter. The Englishman entered, and found Morrel seated at a table, turning over the formidable columns of his ledger, which contained the list of his liabilities. At the sight of the stranger, M. Morrel closed the ledger, arose, and offered a seat to the stranger; and when he had seen him seated, resumed his own chair. Fourteen years had changed the worthy merchant, who, in his thirty-sixth year at the opening of this history, was now in his fiftieth; his hair had turned white, time and sorrow had ploughed deep furrows on his brow, and his look, once so firm and penetrating, was now irresolute and wandering, as if he feared being forced to fix his attention on some particular thought or person. The Englishman looked at him with an air of curiosity, evidently mingled with interest. "Monsieur," said Morrel, whose uneasiness was increased by this examination, "you wish to speak to me?"
"Yes, monsieur; you are aware from whom I come?"
"The house of Thomson & French; at least, so my cashier tells me."
"He has told you rightly. The house of Thomson & French had 300,000 or 400,000 francs to pay this month in France; and, knowing your strict punctuality, have collected all the bills bearing your signature, and charged me as they became due to present them, and to employ the money otherwise." Morrel sighed deeply, and passed his hand over his forehead, which was covered with perspiration.
"So then, sir," said Morrel, "you hold bills of mine?"
"Yes, and for a considerable sum."
"What is the amount?" asked Morrel with a voice he strove to render firm.
"Here is," said the Englishman, taking a quantity of papers from his pocket, "an assignment of 200,000 francs to our house by M. de Boville, the inspector of prisons, to whom they are due. You acknowledge, of course, that you owe this sum to him?"
"Yes; he placed the money in my hands at four and a half per cent nearly five years ago."
"When are you to pay?"
"Half the 15th of this month, half the 15th of next."
"Just so; and now here are 32,500 francs payable shortly; they are all signed by you, and assigned to our house by the holders."
"I recognize them," said Morrel, whose face was suffused, as he thought that, for the first time in his life, he would be unable to honor his own signature. "Is this all?"
"No, I have for the end of the month these bills which have been assigned to us by the house of Pascal, and the house of Wild & Turner of Marseilles, amounting to nearly 55,000 francs; in all, 287,500 francs." It is impossible to describe what Morrel suffered during this enumeration. "Two hundred and eighty-seven thousand five hundred francs," repeated he.
"Yes, sir," replied the Englishman. "I will not," continued he, after a moment's silence, "conceal from you, that while your probity and exactitude up to this moment are universally acknowledged, yet the report is current in Marseilles that you are not able to meet your liabilities." At this almost brutal speech Morrel turned deathly pale. "Sir," said he, "up to this time — and it is now more than four-and-twenty years since I received the direction of this house from my father, who had himself conducted it for five and thirty years — never has anything bearing the signature of Morrel & Son been dishonored."
"I know that," replied the Englishman. "But as a man of honor should answer another, tell me fairly, shall you pay these with the same punctuality?" Morrel shuddered, and looked at the man, who spoke with more assurance than he had hitherto shown. "To questions frankly put," said he, "a straightforward answer should be given. Yes, I shall pay, if, as I hope, my vessel arrives safely; for its arrival will again procure me the credit which the numerous accidents, of which I have been the victim, have deprived me; but if the Pharaon should be lost, and this last resource be gone" — the poor man's eyes filled with tears.
"Well," said the other, "if this last resource fail you?"
"Well," returned Morrel, "it is a cruel thing to be forced to say, but, already used to misfortune, I must habituate myself to shame. I fear I shall be forced to suspend payment."
"Have you no friends who could assist you?" Morrel smiled mournfully. "In business, sir," said he, "one has no friends, only correspondents."
"It is true," murmured the Englishman; "then you have but one hope."
"But one."
"The last?"
"The last."
"So that if this fail" —
"I