Joseph’s name was still over the door; it was he who still signed the cheques; but this was only policy on the part of Morris, and designed to discourage other members of the tontine.  In reality the business was entirely his; and he found it an inheritance of sorrows.  He tried to sell it, and the offers he received were quite derisory.  He tried to extend it, and it was only the liabilities he succeeded in extending; to restrict it, and it was only the profits he managed to restrict.  Nobody had ever made money out of that concern except the capable Scot, who retired (after his discharge) to the neighbourhood of Banff and built a castle with his profits.  The memory of this fallacious Caledonian Morris would revile daily, as he sat in the private office opening his mail, with old Joseph at another table, sullenly awaiting orders, or savagely affixing signatures to he knew not what.  And when the man of the heather pushed cynicism so far as to send him the announcement of his second marriage (to Davida, eldest daughter of the Revd.  Alexander McCraw), it was really supposed that Morris would have had a fit.

Business hours, in the Finsbury leather trade, had been cut to the quick; even Morris’s strong sense of duty to himself was not strong enough to dally within those walls and under the shadow of that bankruptcy; and presently the manager and the clerks would draw a long breath, and compose themselves for another day of procrastination.  Raw Haste, on the authority of my Lord Tennyson, is half-sister to Delay; but the Business Habits are certainly her uncles.  Meanwhile, the leather merchant would lead his living investment back to John Street like a puppy dog; and, having there immured him in the hall, would depart for the day on the quest of seal rings, the only passion of his life.  Joseph had more than the vanity of man, he had that of lecturers.  He owned he was in fault, although more sinned against (by the capable Scot) than sinning; but had he steeped his hands in gore, he would still not deserve to be thus dragged at the chariot-wheels of a young man, to sit a captive in the halls of his own leather business, to be entertained with mortifying comments on his whole career—­to have his costume examined, his collar pulled up, the presence of his mittens verified, and to be taken out and brought home in custody, like an infant with a nurse.  At the thought of it his soul would swell with venom, and he would make haste to hang up his hat and coat and the detested mittens, and slink upstairs to Julia and his notebooks.  The drawing-room at least was sacred from Morris; it belonged to the old man and the young girl; it was there that she made her dresses; it was there that he inked his spectacles over the registration of disconnected facts and the calculation of insignificant statistics.

Here he would sometimes lament his connection with the tontine.  ’If it were not for that,’ he cried one afternoon, ’he would not care to keep me.  I might be a free man, Julia.  And I could so easily support myself by giving lectures.’