THE £1,000,000 BANK-NOTE
When I was twenty-seven years
old, I was a mining-broker’s clerk in San Francisco, and an expert
in all the details of stock traic. I was alone in the world, and
had nothing to depend upon but my wits and a clean reputation; but
these were setting my feet in the road to eventual fortune, and I
was content with the prospect.
My time was my own after the
afternoon board, Saturdays, and I was accustomed to put it in on a
little sail- boat on the bay. One day I ventured too far, and was
carried out to sea. Just at nightfall, when hope was about gone, I
was picked up by a small brig which was bound for London. It was a
long and stormy voyage, and they made me work my passage without
pay, as a common sailor. When I stepped ashore in London my clothes
were ragged and shabby, and I had only a dollar in my pocket. This
money fed and sheltered me twenty-four hours. During the next
twenty-four I went without food and shelter.
About ten o’clock on the
following morning, seedy and hungry, I was dragging myself along
Portland Place, when a child that was passing, towed by a
nursemaid, tossed a luscious big pear—minus one bite—into the
gutter. I stopped, of course, and fastened my desiring eye on that
muddy treasure. My mouth watered for it, my stomach craved it, my
whole being begged for it. But every time I made a move to get it
some passing eye detected my purpose, and of course I straightened
up, then, and looked
indifferent, and pretended that I
hadn’t been thinking about the pear at all. This same thing kept
happening and happening, and I couldn’t get the pear. I was just
getting desperate enough to brave all the shame, and to seize it,
when a window behind me was raised, and a gentleman spoke out of
it, saying:
‘Step in here, please.’
I was admitted by a gorgeous
flunkey, and shown into a sumptuous room where a couple of elderly
gentlemen were sitting. They sent away the servant, and made me sit
down. They had just finished their breakfast, and the sight of the
remains of it almost overpowered me. I could hardly keep my wits
together in the presence of that food, but as I was not asked to
sample it, I had to bear my trouble as best I could.
Now, something had been happening
there a little before, which I did not know anything about until a
good many days afterwards, but I will tell you about it now. Those
two old brothers had been having a pretty hot argument a couple of
days before, and had ended by agreeing to decide it by a bet, which
is the English way of settling everything.
You will remember that the Bank
of England once issued two notes of a million pounds each, to be
used for a special purpose connected with some public transaction
with a foreign country. For some reason or other only one of these
had been used and cancelled; the other still lay in the vaults of
the Bank. Well, the brothers, chatting along, happened to get to
wondering what might be the fate of a perfectly honest and
intelligent stranger who should be turned adrift in London without
a friend, and with no money but that million-pound bank-note, and
no way to account for his being in possession of it. Brother A said
he would starve to death; Brother B said he wouldn’t. Brother A
said he couldn’t offer it at a bank or anywhere else, because he
would be arrested on the spot. So they went on disputing
till Brother B said he would bet
twenty thousand pounds that the man would live thirty days, any
way, on that million, and keep out of jail, too. Brother A took him
up. Brother B went down to the Bank and bought that note. Just like
an Englishman, you see; pluck to the backbone. Then he dictated a
letter, which one of his clerks wrote out in a beautiful round
hand, and then the two brothers sat at the window a whole day
watching for the right man to give it to.
They saw many honest faces go by
that were not intelligent enough; many that were intelligent but
not honest enough; many that were both, but the possessors were not
poor enough, or, if poor enough, were not strangers. There was
always a defect, until I came along; but they agreed that I filled
the bill all around; so they elected me unanimously, and there I
was, now, waiting to know why I was called in. They began to ask me
questions about myself, and pretty soon they had my story. Finally
they told me I would answer their purpose. I said I was sincerely
glad, and asked what it was. Then one of them handed me an
envelope, and said I would find the explanation inside. I was going
to open it, but he said no; take it to my lodgings, and look it
over carefully, and not be hasty or rash. I was puzzled, and wanted
to discuss the matter a little further, but they didn’t; so I took
my leave, feeling hurt and insulted to be made the butt of what was
apparently some kind of a practical joke, and yet obliged to put up
with it, not being in circumstances to resent affronts from rich and
strong folk.
I would have picked up the pear,
now, and eaten it before all the world, but it was gone; so I had
lost that by this unlucky business, and the thought of it did not
soften my feeling towards those men. As soon as I was out of sight
of that house I opened my envelope, and saw that it contained
money! My opinion of those people changed, I can tell you! I lost
not a moment, but shoved note and
money into my vest-pocket, and
broke for the nearest cheap eating-house. Well, how I did eat! When
at last I couldn’t hold any more, I took out my money and unfolded
it, took one glimpse and nearly fainted. Five millions of dollars!
Why, it made my head swim.
I must have sat there stunned and
blinking at the note as much as a minute before I came rightly to
myself again. The first thing I noticed, then, was the landlord. His
eye was on the note, and he was petrified. He was worshipping, with
all his body and soul, but he looked as if he couldn’t stir hand or
foot. I took my cue in a moment, and did the only rational thing
there was to do. I reached the note towards him, and said
carelessly:
‘Give me the change,
please.’
Then he was restored to his
normal condition, and made a thousand apologies for not being able
to break the bill, and I couldn’t get him to touch it. He wanted to
look at it, and keep on looking at it; he couldn’t seem to get
enough of it to quench the thirst of his eye, but he shrank from
touching it as if it had been something too sacred for poor common
clay to handle. I said:
‘I am sorry if it is an
inconvenience, but I must insist.
Please change it; I haven’t
anything else.’
But he said that wasn’t any
matter; he was quite willing to let the trifle stand over till
another time. I said I might not be in his neighbourhood again for
a good while; but he said it was of no consequence, he could wait,
and, moreover, I could have anything I wanted, any time I chose,
and let the account run as long as I pleased. He said he hoped he
wasn’t afraid to trust as rich a gentleman as I was, merely
because I was of a merry disposition, and chose to play larks on
the public in the matter of dress. By this time another customer
was entering, and the landlord hinted to me to put the monster out
of sight; then he bowed
me all the way to the door, and I
started straight for that house and those brothers, to correct the
mistake which had been made before the police should hunt me up,
and help me do it. I was pretty nervous, in fact pretty badly
frightened, though, of course, I was no way in fault; but I knew
men well enough to know that when they find they’ve given a tramp a
million-pound bill when they thought it was a one-pounder, they are
in a frantic rage against him instead of quarrelling with their
own near-sightedness, as they ought. As I approached the house my
excitement began to abate, for all was quiet there, which made me
feel pretty sure the blunder was not discovered yet. I rang. The
same servant appeared. I asked for those gentlemen.
‘They are gone.’ This in the
lofty, cold way of that fellow’s tribe.
‘Gone? Gone where?’ ‘On a
journey.’
‘But whereabouts?’
‘To the Continent, I think.’ ‘The
Continent?’
‘Yes, sir.’
‘Which way—by what route?’ ‘I
can’t say, sir.’
‘When will they be back?’ ‘In a
month, they said.’
‘A month! Oh, this is awful! Give
me some sort of idea of how to get a word to them. It’s of the last
importance.’
‘I can’t, indeed. I’ve no idea
where they’ve gone, sir.’ ‘Then I must see some member of the
family.’
‘Family’s away too; been abroad
months—in Egypt and India, I think.’
‘Man, there’s been an immense
mistake made. They’ll be back before night. Will you tell them
I’ve been here, and that I will keep coming till it’s all made
right, and they needn’t be afraid?’
‘I’ll tell them, if they come
back, but I am not expecting them. They said you would be here in
an hour to make inquiries, but I must tell you it’s all right,
they’ll be here on time and expect you.’
So I had to give it up and go
away. What a riddle it all was! I was like to lose my mind. They
would be here ‘on time.’ What could that mean? Oh, the letter would
explain, maybe. I had forgotten the letter; I got it out and read
it. This is what it said:
‘You are an intelligent and
honest man, as one may see by your face. We conceive you to be poor
and a stranger. Enclosed you will find a sum of money. It is lent to
you for thirty days, without interest. Report at this house at the
end of that time. I have a bet on you. If I win it you shall have
any situation that is in my gift—any, that is, that you shall be
able to prove yourself familiar with and competent to fill.’
No signature, no address, no
date.
Well, here was a coil to be in!
You are posted on what had preceded all this, but I was not. It was
just a deep, dark puzzle to me. I hadn’t the least idea what the
game was, nor whether harm was meant me or a kindness. I went into
a park, and sat down to try to think it out, and to consider what I
had best do.
At the end of an hour, my
reasonings had crystallised into this verdict.
Maybe those men mean me well,
maybe they mean me ill; no way to decide that—let it go. They’ve
got a game, or a scheme, or an experiment of some kind on hand; no
way to determine what it is—let it go. There’s a bet on me; no way
to find out what it is—let it go. That disposes of the
indeterminable quantities; the
remainder of the matter is tangible, solid, and may be classed and
labelled with certainty. If I ask the Bank of England to place
this bill to the credit of the man it belongs to, they’ll do it,
for they know him, although I don’t; but they will ask me how I
came in possession of it, and if I tell the truth, they’ll put me
in the asylum, naturally, and a lie will land me in jail. The same
result would follow if I tried to bank the bill anywhere or to
borrow money on it. I have got to carry this immense burden around
until those men come back, whether I want to or not. It is useless
to me, as useless as a handful of ashes, and yet I must take care
of it, and watch over it, while I beg my living. I couldn’t give
it away, if I should try, for neither honest citizen nor highwayman
would accept it or meddle with it for anything. Those brothers are
safe. Even if I lose their bill, or burn it, they are still safe,
because they can stop payment, and the Bank will make them whole;
but meantime, I’ve got to do a month’s suffering without wages or
profit—unless I help win that bet, whatever it may be, and get that
situation that I am promised. I should like to get that; men of
their sort have situations in their gift that are worth
having.
I got to thinking a good deal
about that situation. My hopes began to rise high. Without doubt
the salary would be large. It would begin in a month; after that I
should be all right. Pretty soon I was feeling first-rate. By this
time I was tramping the streets again. The sight of a tailor-shop
gave me a sharp longing to shed my rags, and to clothe myself
decently once more. Could I afford it? No; I had nothing in the
world but a million pounds. So I forced myself to go on by. But
soon I was drifting back again. The temptation persecuted me
cruelly. I must have passed that shop back and forth six times
during that manful struggle. At last I gave in; I had to. I asked
if they had a misfit suit that had been thrown on their hands. The
fellow I spoke to
nodded his head towards another
fellow, and gave me no answer. I went to the indicated fellow, and
he indicated another fellow with his head, and no words. I went to
him, and he said:
‘’Tend to you presently.’
I waited till he was done with
what he was at, then he took me into a back room, and overhauled a
pile of rejected suits, and selected the rattiest one for me. I put
it on. It didn’t fit, and wasn’t in any way attractive, but it was
new, and I was anxious to have it; so I didn’t find any fault, but
said with some diffidence:
‘It would be an accommodation to
me if you could wait some days for the money. I haven’t any small
change about me.’
The fellow worked up a most
sarcastic expression of countenance, and said:
‘Oh, you haven’t? Well, of
course, I didn’t expect it. I’d only expect gentlemen like you to
carry large change.’
I was nettled, and said:
‘My friend, you shouldn’t judge a
stranger always by the clothes he wears. I am quite able to pay for
this suit; I simply didn’t wish to put you to the trouble of
changing a large note.’
He modified his style a little at
that, and said, though still with something of an air:
‘I didn’t mean any particular
harm, but as long as rebukes are going, I might say it wasn’t quite
your affair to jump to the conclusion that we couldn’t change any
note that you might happen to be carrying around. On the contrary,
we can.’
I handed the note to him, and
said: ‘Oh, very well; I apologise.’
He received it with a smile, one
of those large smiles which goes all around over, and has folds in
it, and wrinkles, and spirals, and looks like the place where you
have thrown a brick in a pond; and then in the act of his taking a
glimpse of the bill this smile froze solid, and turned yellow, and
looked like those wavy, wormy spreads of lava which you find
hardened on little levels on the side of Vesuvius. I never before
saw a smile caught like that, and perpetuated. The man stood there
holding the bill, and looking like that, and the proprietor hustled
up to see what was the matter, and said briskly:
‘Well, what’s up? what’s the
trouble? what’s wanting?’
I said, ‘There isn’t any trouble.
I’m waiting for my change.’
‘Come, come; get him his change,
Tod; get him his change.’
Tod retorted: ‘Get him his
change! It’s easy to say, sir; but look at the bill
yourself.’
The proprietor took a look, gave
a low, eloquent whistle, then made a dive for the pile of rejected
clothing, and began to snatch it this way and that, talking all
the time excitedly, and as if to himself:
‘Sell an eccentric millionaire
such an unspeakable suit as that! Tod’s a fool—a born fool. Always
doing something like this. Drives every millionaire away from this
place, because he can’t tell a millionaire from a tramp, and never
could. Ah, here’s the thing I’m after. Please get those things off,
sir, and throw them in the fire. Do me the favour to put on this
shirt and this suit; it’s just the thing, the very thing— plain,
rich, modest, and just ducally nobby; made to order for a foreign
prince—you may know him, sir, his Serene Highness the Hospodar of
Halifax; had to leave it with us and take a mourning-suit because
his mother was going to die—which she didn’t. But that’s all right;
we can’t always
have things the way we—that is,
the way they—there! trousers all right, they fit you to a charm,
sir; now the waistcoat: aha, right again! now the coat—lord! look
at that, now! Perfect, the whole thing! I never saw such a triumph
in all my experience.’
I expressed my
satisfaction.
‘Quite right, sir, quite right;
it’ll do for a makeshift, I’m bound to say. But wait till you see
what we’ll get up for you on your own measure. Come, Tod, book and
pen; get at it. Length of leg, 32’—and so on. Before I could get in
a word he had measured me, and was giving orders for dress-suits,
morning suits, shirts, and all sorts of things. When I got a chance
I said:
‘But, my dear sir, I can’t give
these orders, unless you can wait indefinitely, or change the
bill.’
‘Indefinitely! It’s a weak word,
sir, a weak word. Eternally—that’s the word, sir. Tod, rush these
things through, and send them to the gentleman’s address without
any waste of time. Let the minor customers wait. Set down the
gentleman’s address and——’
‘I’m changing my quarters. I will
drop in and leave the new address.’
‘Quite right, sir, quite right.
One moment—let me show you out, sir. There—good day, sir, good
day.’
Well, don’t you see what was
bound to happen? I drifted naturally into buying whatever I wanted,
and asking for change. Within a week I was sumptuously equipped
with all needful comforts and luxuries, and was housed in an
expensive private hotel in Hanover Square. I took my dinners there,
but for breakfast I stuck by Harris’s humble feeding-house, where I
had got my first meal on my million- pound bill. I was the making of
Harris. The fact had gone all abroad that the foreign crank who
carried million-pound bills in his vest-pocket was the patron saint
of the place.
That was enough. From being a
poor, struggling, little hand-to-mouth enterprise, it had become
celebrated, and overcrowded with customers. Harris was so grateful
that he forced loans upon me, and would not be denied; and so,
pauper as I was, I had money to spend, and was living like the rich
and the great. I judged that there was going to be a crash by and
by, but I was in, now, and must swim across or drown. You see there
was just that element of impending disaster to give a serious
side, a sober side, yes, a tragic side, to a state of things which
would otherwise have been purely ridiculous. In the night, in the
dark, the tragedy part was always to the front, and always warning,
always threatening; and so I moaned and tossed, and sleep was hard
to find. But in the cheerful daylight the tragedy element faded out
and disappeared, and I walked on air, and was happy to giddiness,
to intoxication, you may say.
And it was natural; for I had
become one of the notorieties of the metropolis of the world, and
it turned my head, not just a little, but a good deal. You could
not take up a newspaper, English, Scotch, or Irish, without finding
in it one or more references to the ‘vest-pocket million-pounder’
and his latest doings and sayings. At first, in these mentions, I
was at the bottom of the personal gossip column; next, I was listed
above the knights, next above the baronets, next above the barons,
and so on, and so on, climbing steadily, as my notoriety augmented,
until I reached the highest altitude possible, and there I
remained, taking precedence of all dukes not royal, and of all
ecclesiastics except the Primate of all England. But, mind, this
was not fame; as yet I had achieved only notoriety. Then came the
climaxing stroke—the accolade, so to speak— which in a single
instance transmuted the perishable dross of notoriety into the
enduring gold of fame: ‘Punch’ caricatured me! Yes, I was a made
man, now: my place was established. I might be joked about still,
but reverently, not
hilariously, not rudely; I could
be smiled at, but not laughed at. The time for that had gone by.
‘Punch’ pictured me all a- flutter with rags, dickering with a
beefeater for the Tower of London. Well, you can imagine how it
was with a young fellow who had never been taken notice of before,
and now all of a sudden couldn’t say a thing that wasn’t taken up
and repeated everywhere; couldn’t stir abroad without constantly
overhearing the remark flying from lip to lip, ‘There he goes;
that’s him!’ couldn’t take his breakfast without a crowd to look
on; couldn’t appear in an opera-box without concentrating there the
fire of a thousand lorgnettes. Why, I just swam in glory all day
long—that is the amount of it.
You know, I even kept my old
suit of rags, and every now and then appeared in them, so as to
have the old pleasure of buying trifles, and being insulted, and
then shooting the scoffer dead with the million-pound bill. But I
couldn’t keep that up. The illustrated papers made the outfit
so familiar that when I went out in it I was at once recognised and
followed by a crowd, and if I attempted a purchase the man would
offer me his whole shop on credit before I could pull my note on
him.
About the tenth day of my fame I
went to fulfil my duty to my flag by paying my respects to the
American minister. He received me with the enthusiasm proper in my
case, upbraided me for being so tardy in my duty, and said that
there was only one way to get his forgiveness, and that was to take
the seat at his dinner-party that night made vacant by the illness
of one of his guests. I said I would, and we got to talking. It
turned out that he and my father had been schoolmates in boyhood,
Yale students together later, and always warm friends up to my
father’s death. So then he required me to put in at his house all
the odd time I might have to spare, and I was very willing, of
course.
In fact I was more than willing;
I was glad. When the crash should come, he might somehow be able to
save me from total destruction; I didn’t know how, but he might
think of a way, maybe. I couldn’t venture to unbosom myself to him
at this late date, a thing which I would have been quick to do in
the beginning of this awful career of mine in London. No, I
couldn’t venture it now; I was in too deep; that is, too deep for
me to be risking revelations to so new a friend, though not clear
beyond my depth, as I looked at it. Because, you see, with all my
borrowing, I was carefully keeping within my means—I mean within my
salary. Of course I couldn’t know what my salary was going to be,
but I had a good enough basis for an estimate in the fact that, if
I won the bet, I was to have choice of any situation in that rich
old gentleman’s gift provided I was competent—and I should
certainly prove competent; I hadn’t any doubt about that. And as to
the bet, I wasn’t worrying about that; I had always been lucky.
Now, my estimate of the salary was six hundred to a thousand a
year; say, six hundred for the first year, and so on up year by
year, till I struck the upper figure by proved merit. At present I
was only in debt for my first year’s salary. Everybody had been
trying to lend me money, but I had fought off the most of them on
one pretext or another; so this indebtedness represented only £300
borrowed money, the other £300 represented my keep and my
purchases. I believed my second year’s salary would carry me
through the rest of the month if I went on being cautious and
economical, and I intended to look sharply out for that. My month
ended, my employer back from his journey, I should be all right
once more, for I should at once divide the two years’ salary among
my creditors by assignment, and get right down to my work.
It was a lovely dinner party of
fourteen. The Duke and Duchess of Shoreditch, and their daughter
the Lady Anne-
Grace-Eleanor-Celeste-and-so-forth-and-so-forth-de-Bohun,
the Earl and Countess of Newgate,
Viscount Cheapside, Lord and Lady Blatherskite, some untitled
people of both sexes, the minister and his wife and daughter, and
his daughter’s visiting friend, an English girl of twenty-two,
named Portia Langham, whom I fell in love with in two minutes, and
she with me—I could see it without glasses. There was still another
guest, an American—but I am a little ahead of my story. While the
people were still in the drawing-room, whetting up for dinner, and
coldly inspecting the late comers, the servant announced:
‘Mr. Lloyd Hastings.’
The moment the usual civilities
were over, Hastings caught sight of me, and came straight with
cordially outstretched hand; then stopped short when about to
shake, and said with an embarrassed look:
‘I beg your pardon, sir, I
thought I knew you.’ ‘Why, you do know me, old fellow.’
‘No! Are you the—the——?’
‘Vest-pocket monster? I am,
indeed. Don’t be afraid to call me by my nickname; I’m used to
it.’
‘Well, well, well, this is a
surprise. Once or twice I’ve seen your own name coupled with the
nickname, but it never occurred to me that you could be the Henry
Adams referred to. Why, it isn’t six months since you were clerking
away for Blake Hopkins in Frisco on a salary, and sitting up nights
on an extra allowance, helping me arrange and verify the Gould
and Curry Extension papers and statistics. The idea of your being
in London, and a vast millionaire, and a colossal celebrity! Why,
it’s the Arabian Nights come again. Man, I can’t take it in at all;
can’t realise it; give me time to settle the whirl in my
head.’
‘The fact is, Lloyd, you are no
worse off than I am. I can’t realise it myself.’
‘Dear me, it is stunning, now,
isn’t it? Why, it’s just three months to-day since we went to the
Miners’ restaurant——’
‘No; the What Cheer.’
‘Right, it was the What Cheer;
went there at two in the morning, and had a chop and coffee after a
hard six hours’ grind over those Extension papers, and I tried to
persuade you to come to London with me, and offered to get leave of
absence for you and pay all your expenses, and give you something
over if I succeeded in making the sale; and you would not listen to
me, said I wouldn’t succeed, and you couldn’t afford to lose the run
of business and be no end of time getting the hang of things again
when you got back home. And yet here you are. How odd it all is!
How did you happen to come, and whatever did give you this
incredible start?’
‘Oh, just an accident. It’s a
long story—a romance, a body may say. I’ll tell you all about it,
but not now.
‘When?’
‘The end of this month.’
‘That’s more than a fortnight
yet. It’s too much of a strain on a person’s curiosity. Make it a
week.’
‘I can’t. You’ll know why, by and
by. But how’s the trade getting along?’
His cheerfulness vanished like a
breath, and he said with a sigh:
‘You were a true prophet, Hal, a
true prophet. I wish I hadn’t come. I don’t want to talk about
it.’
‘But you must. You must come and
stop with me to- night, when we leave here, and tell me all about
it.’
‘Oh, may I? Are you in earnest?’
and the water showed in his eyes.
‘Yes; I want to hear the whole
story, every word.’
‘I’m so grateful! Just to find a
human interest once more, in some voice and in some eye, in me and
affairs of mine, after what I’ve been through here—lord! I could go
down on my knees for it!’
He gripped my hand hard, and
braced up, and was all right and lively after that for the
dinner—which didn’t come off. No; the usual thing happened, the
thing that is always happening under that vicious and aggravating
English system—the matter of precedence couldn’t be settled, and
so there was no dinner. Englishmen always eat dinner before they go
out to dinner, because they know the risks they are running; but
nobody ever warns the stranger, and so he walks placidly into the
trap. Of course nobody was hurt this time, because we had all been
to dinner, none of us being novices except Hastings, and he having
been informed by the minister at the time that he invited him that
in deference to the English custom he had not provided any dinner.
Everybody took a lady and processioned down to the dining-room,
because it is usual to go through the motions; but there the
dispute began. The Duke of Shoreditch wanted to take precedence,
and sit at the head of the table, holding that he outranked a
minister who represented merely a nation and not a monarch; but I
stood for my rights, and refused to yield. In the gossip column I
ranked all dukes not royal, and said so, and claimed precedence of
this one. It couldn’t be settled, of course, struggle as we might
and did, he finally (and injudiciously) trying to play birth and
antiquity, and I ‘seeing’ his Conqueror and ‘raising’ him with
Adam, whose direct posterity I was, as shown by my name, while he
was of a collateral branch, as shown by his, and by his recent
Norman origin; so we all processioned back to the drawing- room
again and had a perpendicular lunch—plate of sardines and a
strawberry, and you group yourself and stand up and eat it. Here
the religion of precedence is not
so strenuous; the two persons of
highest rank chuck up a shilling, the one that wins has first go at
his strawberry, and the loser gets the shilling. The next two chuck
up, then the next two, and so on. After refreshment, tables were
brought, and we all played cribbage, sixpence a game. The English
never play any game for amusement. If they can’t make something or
lose something—they don’t care which
—they won’t play.