The Vicar’s Complications, which Lively People had Better Not Read.

William Wylder’s reversion was very tempting. But Lawyer Larkin knew the value of the precious metals, and waited for more data. The more he thought over his foreign correspondence, and his interview with Lake, the more steadily returned upon his mind the old conviction that the gallant captain was deep in the secret, whatever it might be.

Whatever his motive — and he always had a distinct motive, though sometimes not easily discoverable — he was a good deal addicted now to commenting, in his confidential talk, with religious gossips and others, upon the awful state of the poor vicar’s affairs, his inconceivable prodigality, the unaccountable sums he had made away with, and his own anxiety to hand over the direction of such a hopeless complication of debt, and abdicate in favour of any competent skipper the command of the water-logged and foundering ship.

‘Why, his Brother Mark could get him cleverly out of it — could not he?’ wheezed the pork-butcher.

‘More serious than you suppose,’ answered Larkin, with a shake of his head.

‘It can’t go beyond five hundred, or say nine hundred — eh, at the outside?’

‘Nine hundred — say double as many thousand, and I’m afraid you’ll be nearer the mark. You’ll not mention, of course, and I’m only feeling my way just now, and speaking conjecturally altogether; but I’m afraid it is enormous. I need not remind you not to mention.’

I cannot, of course, say how Mr. Larkin’s conjectures reached so prodigious an elevation, but I can now comprehend why it was desirable that this surprising estimate of the vicar’s liabilities should prevail. Mr. Jos. Larkin had a weakness for enveloping much of what he said and wrote in an honourable mystery. He liked writing private or confidential at top of his notes, without apparent right or even reason to impose either privacy or confidence upon the persons to whom he wrote. There was, in fact, often in the good attorney’s mode of transacting business just a soup?on or flavour of an arrière pensée of a remote and unseen plan, which was a little unsatisfactory.

Now, with the vicar he was imperative that the matter of the reversion should be strictly confidential — altogether ‘sacred,’ in fact.

‘You see, the fact is, my dear Mr. Wylder, I never meddle in speculative things. It is not a class of business that I like or would touch with one of my fingers, so to speak,’ and he shook his head gently; ‘and I may say, if I were supposed to be ever so slightly engaged in these risky things, it would be the ruin of me. I don t like, however, sending you into the jaws of the City sharks — I use the term, my dear Mr. Wylder, advisedly — and I make a solitary exception in your case; but the fact is, if I thought you would mention the matter, I could not touch it even for you. There’s Captain Lake, of Brandon, for instance — I should not be surprised if I lost the Brandon business the day after the matter reached his ears. All men are not like you and me, my dear Mr. Wylder. The sad experience of my profession has taught me that a suspicious man of the world, without religion, my dear Mr. Wylder,’ and he lifted his pink eyes, and shook his long head and long hands in unison —‘without religion — will imagine anything. They can’t understand us.’

Now, the fifty pounds which good Mr. Larkin had procured for the improvident vicar, bore interest, I am almost ashamed to say, at thirty per cent. per annum, and ten per cent. more the first year. But you are to remember that the security was altogether speculative; and Mr. Larkin, of course, made the best terms he could.
penses, and life not insurable, a delicacy of the lungs }
    ￡     s.     d.
Annual premium on a policy for ￡100 [double insurance being insisted upon by lender, to cover contingent ex- being admitted, on the ordinary scale]     10     0     0
Annuity payable to lender, clear of premium, the security being unsatisfactory     7     10     0
    ￡17     10     0

Ten pounds of which (the premium), together with four pounds ten shillings for expenses, &c. were payable in advance. So that thirty-two pounds, out of his borrowed fifty, were forfeit for these items within a year and a month. In the meantime the fifty pounds had gone, as we know, direct to Cambridge; and he was called upon to pay forthwith ten pounds for premium, and four pounds ten shillings for ‘expenses.’ Quod impossibile.

The attorney had nothing for it but to try to induce the lender to let him have another fifty pounds, pending the investigation of title — another fifty, of which he was to get, in fact, eighteen pounds. Somehow, the racking off of this bitter vintage from one vessel into another did not seem to improve its quality. On the contrary, things were growing decidedly more awful.

Now, there came from Messrs. Burlington and Smith a peremptory demand for the fourteen pounds ten shillings, and an equally summary one for twenty-eight pounds fourteen shillings and eight pence, their costs in this matter.

When the poor vicar received this latter blow, he laid the palm of h............