The end came at last. All this blind work of his was of no avail against the ocean steamer and her cargo of wheat and meat from the teeming regions of the West. Nor was it of avail against the fall of prices, and the decreased yield consequent upon a succession of bad seasons. The general lack of confidence pressed heavily upon a man who did not even attempt to take his natural place among his fellow-men. The loan from the bank had gradually grown from five to seven or eight hundred by thirties, and forties, and fifties added to it by degrees; and the bank—informed, perhaps, by the same busybodies who had discovered that he drank—declined further assistance, and notified that part, at least, of the principal must be repaid. The landlord had long been well aware of the state of affairs, but refrained from action out of a feeling for the old family. But the land, from the farmer's utter lack of capital, was now going from bad to worse. The bank having declined to advance further, the rent began to fall into arrear. The landlord caused it to be conveyed to his tenant that if he would quit the farm, which was a large one, he could go into a smaller, and his affairs might perhaps be arranged.

The old man—for he was now growing old—put his hands behind his back and said nothing, but went on with his usual routine of work. Whether he had become dulled and deadened and cared nothing, whether hope was extinct, or he could not wrench himself from the old place, he said nothing. Even then some further time elapsed—so slow is the farmer's fall that he might almost be excused for thinking that it would never come. But now came the news that the old uncle who had 'backed' him at the bank had been found dead in bed of sheer old age. Then the long-kept secret came out at last. The dead man's executors claimed the money advanced so many, many years ago.

This discovery finished it. The neighbours soon had food for gossip in the fact that a load of hay which he had sold was met in the road by the landlord's agent and turned back. By the strict letter of his agreement he could not sell hay off the farm; but it had been permitted for years. When they heard this they knew it was all over. The landlord, of course, put in his claim; the bank theirs. In a few months the household furniture and effects were sold, and the farmer and his aged wife stepped into the highway in their shabby clothes.

He did not, however, starve; he passed to a cottage on the outskirts of the village, and became bailiff for the tenant of that very arable farm to work which years ago his father had borrowed the thousand pounds that ultimately proved their ruin. He made a better bailiff than a farmer, being at home with every detail of practice, but incapable of general treatment. His wife does a little washing and charing; not much, for she is old and feeble. No charity is offered to them—they have outlived old friends—nor do they appeal for any. The people of the village do not heed them, nor reflect upon the spectacle in their midst. They are merged and lost in the vast multitude of the agricultural poor. Only two of their children survive; but these, having early left the farm and gone into a city, are fairly well-to-do. That, at least, is a comfort to the old folk.

It is, however, doubtful whether the old man, as he walks down the lane with his hands behind his back and the dead leaves driven by the November breeze rustling after, has much feeling of any kind left. Hard work and adversity have probably deadened his finer senses. Else one would think he could never endure to work as a servant upon that farm of all others, nor to daily pass the scenes of his youth. For yonder, well in sight as he turns a corner of the lane, stands the house where he dwelt so many, many years; where the events of his life came slowly to pass; where he was born; where his bride came home; where his children were born, and from whose door he went forth penniless.

Seeing this every day, surely that old man, if he have but one spark of feeling left, must drink the lees of poverty to the last final doubly bitter dregs.



CHAPTER V



THE BORROWER AND THE GAMBLER

'Where do he get the money from, you?' 'It be curious, bean't it; I minds when his father drove folks' pigs to market.' These remarks passed between two old farmers, one standing on the sward by the roadside, and the other talking to him over the low ledge, as a gentleman drove by in a Whitechapel dog-cart, groom behind. The gentleman glanced at the two farmers, and just acknowledged their existence with a careless nod, looking at the moment over their heads and far away.

There is no class so jealous of a rapid rise as old-fashioned farming people. They seem to think that if a man once drove pigs to market he should always continue to do so, and all his descendants likewise. Their ideas in a measure approximate to those of caste among the Hindoos. It is a crime to move out of the original groove; if a man be lowly he must remain lowly, or never be forgiven. The lapse of time makes not the least difference. If it takes the man thirty years to get into a fair position he is none the less guilty. A period equal to the existence of a generation is not sufficient excuse for him. He is not one whit better than if he had made his money by a lucky bet on a racehorse. Nor can he ever hope to live down this terrible social misdemeanour, especially if it is accompanied by the least ostentation.

Now, in the present day a man who gets money shows off more than ever was the case. In the olden time the means of luxury were limited, and the fortunate could do little more than drink, and tempt others to drink. But to-day the fortunate farmer in the dog-cart, dressed like a gentleman, drove his thorough-bred, and carried his groom behind. Frank D——, Esq., in the slang of the time, 'did the thing grand!' The dog-cart was a first-rate article. The horse was a high-stepper, such as are not to be bought for a song; the turn-out was at the first glance perfect. But if you looked keenly at the groom, there was a suspicion of the plough in his face and attitude. He did not sit like a man to the manner born. He was lumpy; he lacked the light, active style characteristic of the thoroughbred groom, who is as distinct a breed as the thoroughbred horse. The man looked as if he had been taken from the plough and was conscious of it. His feet were in top-boots, but he could not forget the heavy action induced by a long course of walking in wet furrows. The critics by the hedge were not capable of detecting these niceties. The broad facts were enough for them. There was the gentleman in his ulster, there was the resplendent turn-out, there was the groom, and there was the thoroughbred horse. The man's father drove their pigs to market, and they wanted to know where he got the money from.

Meantime Mr. D——, having carelessly nodded, had gone on. Half a mile farther some of his own fields were contiguous to the road, yet he did not, after the fashion of the farmer generally, pause to gaze at them searchingly; he went on with the same careless glance. This fact, which the old-fashioned folk had often observed, troubled them greatly. It seemed so unnatural, so opposite to the old ideas and ways, that a man should take no apparent interest in his own farm. They said that Frank was nothing of a farmer; he knew nothing of farming. They looked at his ricks; they were badly built, and still worse thatched. They examined his meadows, and saw wisps of hay lying about, evidence of neglect; the fields had not been properly raked. His ploughed fields were full of weeds, and not half worked enough. His labourers had acquired a happy-go-lucky style, and did their work anyhow or not at all, having no one to look after them. So, clearly, it was not Frank's good farming that made him so rich, and enabled him to take so high and leading a position.

Nor was it his education or his 'company' manners. The old folk noted his boorishness and lack of the little refinements which mark the gentleman. His very voice was rude and hoarse, and seemed either to grumble or to roar forth his meaning. They had frequently heard him speak in public—he was generally on the platform when any local movement was in progress—and could not understand why he was put up there to address the audience, unless it was for his infinite brass. The language he employed was rude, his sentences disjointed, his meaning incoherent; but he had a knack of an apropos jest, not always altogether savoury, but which made a mixed assembly laugh. As his public speeches did not seem very brilliant, they supposed he must have the gift of persuasion, in private. He did not even ride well to hounds—an accomplishment that has proved a passport to a great landlord's favour before now—for he had an awkward, and, to the eye, not too secure a seat in the saddle.

Nor was it his personal appearance. He was very tall and ungainly, with a long neck and a small round head on the top of it. His features were flat, and the skin much wrinkled; there seemed nothing in his countenance to recommend him to the notice of the other sex. Yet he had been twice married; the last time to a comparatively young lady with some money, who dressed in the height of fashion.

Frank had two families—one, grown up, by his first wife, the second in the nursery—but it made no difference to him. All were well dressed and well educated; the nursery maids and the infants went out for their airings in a carriage and pair. Mrs. D——, gay as a Parisian belle, and not without pretensions to beauty, was seen at balls, parties, and every other social amusement. She seemed to have the entree everywhere in the county. All this greatly upset and troubled the old folk, whose heads Frank looked over as he carelessly nodded them good-morning driving by. The cottage people from whose ranks his family had so lately risen, however, had a very decided opinion upon the subject, and expressed it forcibly. "'Pend upon it," they said, "'pend upon it, he have zucked zumbody in zumhow."

This unkind conclusion was perhaps not quite true. The fact was, that Frank, aided by circumstances, had discovered the ease with which a man can borrow. That was his secret—his philosopher's stone. To a certain extent, and in certain ways, he really was a clever man, and he had the luck to begin many years ago when farming was on the ascending side of the cycle. The single solid basis of his success was his thorough knowledge of cattle—his proficiency in dealership. Perhaps this was learnt while assisting his father to drive other folks' pigs to market. At all events, there was no man in the county who so completely understood cattle and sheep, for buying and selling purposes, as Frank. At first he gained his reputation by advising others what and when to buy; by degrees, as people began to see that he was always right, they felt confidence in him, and assisted him to make small investments on his own account. There were then few auctioneers, and cattle were sold in open market. If a man really was a judge, it was as good to him as a reputation for good ale is to an innkeeper. Men flock to a barrel of good ale no matter whether the inn be low class or high class. Men gather about a good judge of cattle, and will back him up. By degrees D—— managed to rent a small farm, more for the purpose of having a place to turn his cattle into than for farming proper—he was, in fact, a small dealer.

Soon afterwards there was an election. During the election, Frank gained the good-will of a local solicitor and political agent. He proved himself an active and perhaps a discreetly unscrupulous assistant. The solicitor thought he saw in Frank talent of a certain order—a talent through which he (the solicitor) might draw unto himself a share of other people's money. The lawyer's judgment of men was as keen as Frank's judgment of cattle. He helped Frank to get into a large farm, advancing the money with which to work it. He ran no risk; for, of course, he had Frank tight in the grasp of his legal fist, and he was the agent for the landlord. The secret was this—the lawyer paid his clients four per cent, for the safe investment of their money. Frank had the money, worked a large farm with it, and speculated in the cattle markets, and realised some fifteen or perhaps twenty per cent., of which the lawyer took the larger share. Something of this sort has been done in other businesses besides farming. Frank, however, was not the man to remain in a state of tutelage, working for another. His forte was not saving—simple accumulation was not for him; but he looked round the district to discover those who had saved.

Now, it is a fact that no man is so foolish with his money as the working farmer in a small way, who has put by a little coin. He is extremely careful about a fourpenny piece, and will wrap a sovereign up in several scraps of paper lest he should lose it; but with his hundred or two hundred pounds he is quite helpless. It has very likely occupied him the best part of his lifetime to add one five-pound note to another, money most literally earned in the sweat of his brow; and at last he lends it to a man like Frank, who has the wit to drive a carriage and ride a thoroughbred. With the strange inconsistency so characteristic of human nature, a half-educated, working farmer of this sort will sneer in his rude way at the pretensions of such a man, and at the same time bow down before him.

Frank knew this instinctively, and, as soon as ever he began to get on, set up a blood-horse and a turn-out. By dint of such vulgar show and his own plausible tongue he persuaded more than one such old fellow to advance him money. Mayhap these confiding persons, like a certain Shallow, J.P., have since earnestly besought him in vain to return them five hundred of their thousand. In like manner one or two elderly ladies—cunning as magpies in their own conceit—let him have a few spare hundreds. They thought they could lay out this money to better advantage than the safe family adviser 'uncle John,' with his talk of the Indian railways and a guaranteed five per cent. They thought (for awhile) that they had done a very clever thing on the sly in lending their spare hundreds to the great Mr. Frank D—— at a high rate of interest, and by this time would perhaps be glad to get the money back again in the tea-caddy.

But Frank was not the man to be satisfied with such small game. After a time he succeeded in getting at the 'squire.' The squire had nothing but the rents of his farms to live upon, and was naturally anxious for an improving tenant who would lay out money and put capital into the soil. He was not so foolish as to think that Frank was a safe man, and of course he had legal advice upon the matter. The squire thought, in fact, that although Frank himself had no money, Frank could get it out of others, and spend it upon his place. It did not concern the squire where or how Frank got his money, provided he had it—he as landlord was secure in case of a crash, because the law gave him precedence over all other creditors. So Frank ultimately stepped into one of the squire's largest farms and cut a finer dash than ever.

There are distinct social degrees in agriculture. The man who occupies a great farm under a squire is a person of much more importance than he who holds a little tenancy of a small proprietor. Frank began to take the lead among the farmers of the neighbourhood, to make his appearance at public meetings, and to become a recognised politician—of course upon the side most powerful in that locality, and most likely to serve his own interest. His assurance, and, it must be owned, his ready wit, helped him in coming to the front. When at the front, he was invited to the houses of really well-to-do country people. They condoned his bluff manners—they were the mark of the true, solid British agriculturist. Some perhaps in their hearts thought that another day they might want a tenant, and this man would serve their turn. As a matter of fact, Frank took every unoccupied farm which he could get at a tolerably reasonable rent. He never seemed satisfied with the acreage he held, but was ever desirous of extending it. He took farm after farm, till at last he held an area equal to a fine estate. For some years there has been a disposition on the part of landlords to throw farms together, making many small ones into one large one. For the time, at all events, Frank seemed to do very well with all these farms to look after. Of course the same old-fashioned folk made ill-natured remarks, and insisted upon it that he merely got what he could out of the soil, and did not care in the least how the farming was done. Nevertheless, he flourished—the high prices and general inflation of the period playing into his hand.

Frank was now a very big man, the biggest man thereabout. And it was now that he began to tap another source of supply—to, as it were, open a fresh cask—i.e. the local bank. At first he only asked for a hundred or so, a mere bagatelle, for a few days—only temporary convenience. The bank was glad to get hold of what really looked like legitimate business, and he obtained the bagatelle in the easiest manner—so easily that it surprised him. He did not himself yet quite know how completely his showy style of life, his large acreage, his speeches, and politics, and familiarity with great people, had imposed upon the world in which he lived. He now began to realise that he was somebody. He repaid the loan to the day, waited awhile and took a larger one, and from that time the frequency and the amount of his loans went on increasing.

We have seen in these latter days bank directors bitterly complaining that they could not lend money at more than 7/8 or even 1/2 per cent., so little demand was there for accommodation. They positively could not lend their money; they had millions in their tills unemployed, and practically going a-begging. But here was Frank paying seven per cent, for short loans, and upon a continually enlarging amount. His system, so far as the seasons were concerned, was something like this. He took a loan (or renewed an old one) at the bank on the security of the first draught of lambs for sale, say, in June. This paid the labourers and the working expenses of the hay harvest, and of preparing for the corn. He took the next upon the second draught of lambs in August, which paid the reapers. He took a third on the security of the crops, partly cut, or in process of cutting, for his Michaelmas rent. Then for the fall of the year he kept on threshing out and selling as he required money, and had enough left to pay for the winter's work. This was Frank's system—the system of too many farmers, far more than would be believed. Details of course vary, and not all, like Frank, need three loans at least in the season to keep them going. It is not every man who mortgages his lambs, his ewes (the draught from a flock for sale), and the standing crops in succession.

But of late years farming has been carried on in such an atmosphere of loans, and credit, and percentage, and so forth, that no one knows what is or what is not mortgaged. You see a flock of sheep on a farm, but you do not know to whom they belong. You see the cattle in the meadow, but you do not know who has a lien upon them. You see the farmer upon his thoroughbred, but you do not know to whom in reality the horse belongs. It is all loans and debt. The vendors of artificial manure are said not to be averse sometimes to make an advance on reasonable terms to those enterprising and deserving farmers who grow so many tons of roots, and win the silver cups, and so on, for the hugest mangold grown with their particular manure. The proprietors of the milk-walks in London are said to advance money to the struggling dairymen who send them their milk. And latterly the worst of usurers have found out the farmers—i.e. the men who advance on bills of sale of furniture, and sell up the wretched client who does not pay to the hour. Upon such bills of sale English farmers have been borrowing money, and with the usual disastrous results. In fact, till the disastrous results became so conspicuous, no one guessed that the farmer had descended so far. Yet, it is a fact, and a sad one.

All the while the tradespeople of the market-towns—the very people who have made the loudest outcry about the depression and the losses they have sustained—these very people have been pressing their goods upon the farmers, whom they must have known were many of them hardly able to pay their rents. Those who have not seen it cannot imagine what a struggle and competition has been going on in little places where one would think the very word was unknown, just to persuade the farmer and the farmer's family to accept credit. But there is another side to it. The same tradesman who to-day begs—positively begs—the farmer to take his goods on any terms, in six months' time sends his bill, and, if it be not paid immediately, puts the County Court machinery in motion.

Now this to the old-fashioned farmer is a very bitter thing. He has never had the least experience of the County Court; his family never were sued for debt since they can remember. They have always been used to a year's credit at least—often two, and even three. To be threatened with public exposure in the County Court because a little matter of five pounds ten is not settled instantly is bitter indeed. And to be sued so arbitrarily by the very tradesman who almost stuffed his goods down their throats is more bitter still.

Frank D——, Esq.'s coarse grandeur answered very well indeed so long as prices were high. While the harvests were large and the markets inflated; while cattle fetched good money; while men's hearts were full of mirth—all went well. It is whispered now that the grand Frank has secretly borrowed 25l. of a little cottage shopkeeper in the adjacent village—a man who sells farthing candles and ounces of tea—to pay his reapers. It is also currently whispered that Frank is the only man really safe, for the following reason—they are all 'in' so deep they find it necessary to keep him going. The squire is 'in,' the bank is 'in,' the lawyer is 'in,' the small farmers with two hundred pounds capital are 'in,' and the elderly ladies who took their bank-notes out of their tea-caddies are 'in.' That is to say, Mr. Frank owes them so much money that, rather than he should come to grief (when, they must lose pretty well all), they prefer to keep him afloat. It is a noticeable fact that Frank is the only man who has not raised his voice and shouted 'Depression.' Perhaps the squire thinks that so repellent a note, if struck by a leading man like Frank, might not be to his interest, and has conveyed that thought to the gentleman in the dog-cart with the groom behind. There are, however, various species of the facade farmer.

'What kind of agriculture is practised here?' the visitor from town naturally asks his host, as they stroll towards the turnips (in another district), with shouldered guns. 'Oh, you had better see Mr. X——,' is the reply, 'He is our leading agriculturist; he'll tell you all about it.' Everybody repeats the same story, and once Mr. X——'s name is started everybody talks of him. The squire, the clergyman—even in casually calling at a shop in the market town, or at the hotel (there are few inns now)—wherever he goes the visitor hears from all of Mr. X——. A successful man—most successful, progressive, scientific, intellectual. 'Like to see him? Nothing easier. Introduction? Nonsense. Why, he'd be delighted to see you. Come with me.'

Protesting feebly against intruding on privacy, the visitor is hurried away, and expecting to meet a solid, sturdy, and somewhat gruff old gentleman of the John Hull type, endeavors to hunt up some ideas about shorthorns and bacon pigs. He is a little astonished upon entering the pleasure grounds to see one or more gardeners busy among the parterres and shrubberies, the rhododendrons, the cedar deodaras, the laurels, the pampas grass, the 'carpet gardening' beds, and the glass of distant hothouses glittering in the sun. A carriage and pair, being slowly driven by a man in livery from the door down to the extensive stabling, passes—clearly some of the family have just returned. On ringing, the callers are shown through a spacious hall with a bronze or two on the marble table, into a drawing-room, elegantly furnished. There is a short iron grand open with a score carelessly left by the last player, a harp in the corner, half hidden by the curtains, some pieces of Nankin china on the side tables.

Where are the cow-sheds? Looking out of window a level lawn extends, and on it two young gentlemen are playing tennis, in appropriate costume. The laboured platitudes that had been prepared about shorthorns and bacon pigs are quite forgotten, and the visitor is just about to ask the question if his guide has not missed the farm-house and called at the squire's, when Mr. X—— comes briskly in, and laughs all apology about intrusion to the winds in his genial manner. He insists on his friends taking some refreshment, will not take refusal; and such is the power of his vivacity, that they find themselves sipping Madeira and are pressed to come and dine in the evening, before one at least knows exactly where he is. 'Just a homely spread, you know; pot-luck; a bit of fish and a glass of Moet; now do come.' This curious mixture of bluff cordiality, with unexpected snatches of refinement, is Mr. X——'s great charm. 'Style of farming; tell you with pleasure.' [Rings the bell.] 'John' (to the manservant), 'take this key and bring me account book No. 6 B, Copse Farm; that will be the best way to begin.'

If the visitor knows anything of country life, he cannot help recollecting that, if the old type of farmer was close and mysterious about anything, it was his accounts. Not a word could be got out of him of profit or loss, or revenue: he would barely tell you his rent per acre, and it was doubtful if his very wife ever saw his pass-book. Opening account book No. 6 B, the explanation proceeds.

'My system of agriculture is simplicity itself, sir. It is all founded on one beautiful commercial precept. Our friends round about here [with a wave of the hand, indicating the country side]—our old folks—whenever they got a guinea put it out of sight, made a hoard, hid it in a stocking, or behind a brick in the chimney. Ha! ha! Consequently their operations were always restricted to the same identical locality—no scope, sir, no expansion. Now my plan is—invest every penny. Make every shilling pay for the use of half a crown, and turn the half-crown into seven and sixpence. Credit is the soul of business. There you have it. Simplicity itself. Here are the books; see for yourself. I publish my balance half-yearly—like a company. Then the public see what you are doing. The earth, sir, as I said at the dinner the other day (the idea was much applauded), the earth is like the Bank of England—you may draw on it to any extent; there's always a reserve to meet you. You positively can't overdraw the account. You see there's such a solid security behind you. The fact is, I bring commercial principles into agriculture; the result is, grand success. However, here's the book; just glance over the figures.'

The said figures utterly bewilder the visitor, who in courtesy runs his eye from top to bottom of the long columns—farming accounts are really the most complicated that can be imagined—so he, meantime, while turning over the pages, mentally absorbs the personality of the commercial agriculturist. He sees a tall, thin farmer, a brown face and neck, long restless sinewy hands, perpetually twiddling with a cigar or a gold pencil-case—generally the cigar, or rather the extinct stump of it, which he every now and then sucks abstractedly, in total oblivion as to its condition. His dress would pass muster in towns—well cut, and probably from Bond Street. He affects a frock and high hat one day, and knickerbockers and sun helmet the next. His pockets are full of papers, letters, etc., and as he searches amid the mass for some memorandum to show, glimpses may be seen of certain oblong strips of blue paper with an impressed stamp.

'Very satisfactory,' says the visitor, handing back No 6 B; 'may I inquire how many acres you occupy?'

Out comes a note-book. 'Hum! There's a thousand down in the vale, and fifteen hundred upland, and the new place is about nine hundred, and the meadows—I've mislaid the meadows—but it's near about four thousand. Different holdings, of course. Great nuisance that, sir; transit, you see, costs money. City gentlemen know that. Absurd system in this country—the land parcelled out in little allotment gardens of two or three hundred acres. Why, there's a little paltry hundred and twenty acre freehold dairy farm lies between my vale and upland, and the fellow won't let my waggons or ploughing-tackle take the short cut, ridiculous. Time it was altered, sir. Shooting? Why, yes; I have the shooting. Glad if you'd come over.'

Then more Madeira, and after it a stroll through the gardens and shrubberies and down to the sheds, a mile, or nearly, distant. There, a somewhat confused vision of 'grand shorthorns,' and an inexplicable jumble of pedigrees, grand-dams, and 'g-g-g-g-g-g-dams,' as the catalogues have it; handsome hunters paraded, steam-engines pumping water, steam-engines slicing up roots, distant columns of smoke where steam-engines are tearing up the soil. All the while a scientific disquisition on ammonia and the constituent parts and probable value of town sewage as compared with guano. And at intervals, and at parting, a pressing invitation to dinner [when pineapples or hot-house grapes are certain to make their appearance at dessert]—such a flow of genial eloquence surely was never heard before!

It requires a week at least of calm reflection, and many questions to his host, before the visitor—quite carried away—can begin to arrange his ideas, and to come slowly to the opinion that though Mr. X—— is as open as the day and frank to a fault, it will take him a precious long time to get to the bottom of Mr. X——'s system; that is to say, if there is any bottom at all to it.

Mr. X—— is, in brief, a gambler. Not in a dishonest, or even suspicious sense, but a pure gambler. He is a gigantic agricultural speculator; his system is, as he candidly told you, credit. Credit not only with the bank, but with everybody. He has actually been making use of you, his casual and unexpected visitor, as an instrument. You are certain to talk about him; the more he is talked of the better, it gives him a reputation, which is beginning to mean a great deal in agriculture as it has so long in other pursuits. You are sure to tell everybody who ever chooses to converse with you about the country of Mr. X——, and Mr. X——'s engines, cattle, horses, profuse hospitality, and progressive science.

To be socially popular is a part of his system; he sows corn among society as freely as over his land, and looks to some grains to take root, and bring him increase a hundred fold, as indeed they do. Whatever movement is originated in the neighbourhood finds him occupying a prominent position. He goes to London as the representative of the local agricultural chamber; perhaps waits upon a Cabinet Minister as one of the deputation. He speaks regularly at the local chamber meetings; his name is ever in the papers. The press are invited to inspect his farms, and are furnished with minute details. Every now and then a sketch of his life and doings, perhaps illustrated with a portrait, appears in some agricultural periodical. At certain seasons of the year parties of gentlemen are conducted over his place. In parochial or district matters he is a leading man.

Is it a cottage flower-show, a penny reading, a cricket club, a benefit society—it does not matter what, his subscriptions, his name, and his voice are heard in it. He is the life and soul of it; the energy comes from him, though others higher in the scale may be the nominal heads. And the nominal heads, knowing that he can be relied upon politically, are grateful, and give him their good word freely. He hunts, and is a welcome companion—the meet frequently takes place at his house, or some of the huntsmen call for lunch; in fact, the latter is an invariable thing. Everybody calls for lunch who happens to pass near any day; the house has a reputation for hospitality. He is the clergyman's right hand—as in managing the school committee. When the bishop comes to the confirmation, he is introduced as 'my chief lay supporter.' At the Rural Diaconal Conference, 'my chief supporter' is one of the lay speakers. Thus he obtains every man's good word whose good word is worth anything. Social credit means commercial credit. Yet he is not altogether acting a part—he really likes taking the lead and pushing forward, and means a good deal of what he says.

He is especially quite honest in his hospitality. All the same, so far as business is concerned, it is pure gambling, which may answer very well in favourable times, but is not unlikely to end in failure should the strain of depression become too severe. Personal popularity, however, will tide him over a great deal. When a man is spoken highly of by gentry, clergy, literally everybody, the bank is remarkably accommodating. Such a man may get for his bare signature—almost pressed on him, as if his acceptance of it were a favour—what another would have to deposit solid security for.

In plain language, he borrows money and invests it in every possible way. His farms are simply the basis of his credit. He buys blood shorthorns, he buys blood horses, and he sells them again. He buys wheat, hay, &c., to dispose of them at a profit. If he chose, he could explain to you the meaning of contango, and even of that mysterious term to the uninitiated, 'backwardation.' His speculations for the 'account' are sometimes heavy. So much so, that occasionally, with thousands invested, he has hardly any ready money. But, then, there are the crops; he can get money on the coming crops. There is, too, the live stock money can be borrowed on the stock.

Here lies the secret reason of the dread of foreign cattle disease. The increase of our flocks and herds is, of course, a patriotic cry (and founded on fact); but the secret pinch is this—if foot-and-mouth, pleuro-pneumonia, or rinderpest threaten the stock, the tenant-farmer cannot borrow on that security. The local bankers shake their heads—three cases of rinderpest are equivalent to a reduction of 25 per cent. in the borrowing power of the agriculturist. The auctioneers and our friends have large transactions—'paper' here again. With certain members of the hunt he books bets to a high amount; his face is not unknown at Tattersall's or at the race meetings. But he does not flourish the betting-book in the face of society. He bets—and holds his tongue. Some folks have an ancient and foolish prejudice against betting; he respects sincere convictions.

Far and away he is the best fellow, the most pleasant company in the shire, always welcome everywhere. He has read widely, is well educated; but, above all, he is ever jolly, and his jollity is contagious. Despite his investments and speculations, his brow never wears that sombre aspect of gloomy care, that knitted concentration of wrinkles seen on the face of the City man, who goes daily to his 'office.' The out-of-door bluffness, the cheery ringing voice, and the upright form only to be gained in the saddle over the breezy uplands, cling to him still. He wakes everybody up, and, risky as perhaps some of his speculations are, is socially enlivening.

The two young gentlemen, by-the-by, observed playing lawn-tennis from the drawing-room window, are two of his pupils, whose high premiums and payments assist to keep up the free and generous table, and who find farming a very pleasant profession. The most striking characteristic of their tutor is his Yankee-like fertility of resource and bold innovations—the very antipodes of the old style of 'clod-compeller.'



CHAPTER VI



AN AGRICULTURAL GENIUS-OLD STYLE

Towards the hour of noon Harry Hodson, of Upcourt Farm, was slowly ascending the long slope that led to his dwelling. In his left hand he carried a hare, which swung slightly to and fro as he stepped out, and the black-tipped ears rubbed now and then against a bunch of grass. His double-barrel was under his right arm. Every day at the same hour Harry turned towards home, for he adhered to the ways of his fathers and dined at half-past twelve, except when the stress of harvest, or some important agricultural operation, disturbed the usual household arrangements. It was a beautiful October day, sunny and almost still, and, as he got on the high ground, he paused and looked round. The stubbles stretched far away on one side, where the country rose and fell in undulations. On the distant horizon a column of smoke, broadening at the top, lifted itself into the sky; he knew it was from the funnel of a steam-plough, whose furnace had just been replenished with coal. The appearance of the smoke somewhat resembled that left by a steamer at sea when the vessel is just below the horizon. On the other hand were wooded meadows, where the rooks were cawing—some in the oaks, some as they wheeled round in the air. Just beneath him stood a row of wheat ricks—his own. His gaze finally rested upon their conical roofs with satisfaction, and he then resumed his walk.

Even as he moved he seemed to bask in the sunshine; the sunshine pouring down from the sky above, the material sunshine of the goodly wheat ricks, and the physical sunshine of personal health and vigour. His walk was the walk of a strong, prosperous man—each step long, steady, and firm, but quite devoid of haste. He was, perhaps, forty years of age, in the very prime of life, and though stooping a little, like so many countrymen, very tall, and built proportionately broad across the shoulders and chest. His features were handsome—perhaps there was a trace of indolence in their good-humoured expression—and he had a thick black beard just marked with one thin wavy line of grey. That trace of snow, if anything, rather added to the manliness of his aspect, and conveyed the impression that he was at the fulness of life when youth and experience meet. If anything, indeed, he looked too comfortable, too placid. A little ambition, a little restlessness, would perhaps have been good for him.

By degrees he got nearer to the house; but it was by degrees only, for he stayed to look over every gate, and up into almost every tree. He stopped to listen as his ear caught the sound of hoofs on the distant road, and again at the faint noise of a gun fired a mile away. At the corner of a field a team of horses—his own—were resting awhile as the carter and his lad ate their luncheon. Harry stayed to talk to the man, and yet again at the barn door to speak to his men at work within with the winnowing machine. The homestead stood on an eminence, but was hidden by elms and sycamores, so that it was possible to pass at a distance without observing it.

On entering the sitting-room Harry leaned his gun against the wall in the angle between it and the bureau, from which action alone it might have been known that he was a bachelor, and that there were no children about the house to get into danger with fire-arms. His elderly aunt, who acted as housekeeper, was already at table waiting for him. It was spread with a snow-white cloth, and almost equally snow-white platter for bread—so much and so well was it cleaned. They ate home-baked bread; they were so many miles from a town or baker that it was difficult to get served regularly, a circumstance which preserved that wholesome institution. There was a chine of bacon, small ale, and a plentiful supply of good potatoes. The farmer did full justice to the sweet picking off the chine, and then lingered over an old cheese. Very few words were spoken.

Then, after his dinner, he sat in his arm-chair—the same that he had used for many years—and took a book. For Harry rather enjoyed a book, provided it was not too new. He read works of science, thirty years old, solid and correct, but somewhat behind the age; he read histories, such as were current in the early part of the present century, but none of a later date than the end of the wars of the First Napoleon. The only thing modern he cared for in literature was a 'society' journal, sent weekly from London. These publications are widely read in the better class of farmsteads now. Harry knew something of most things, even of geology. He could show you the huge vertebrae of some extinct saurian, found while draining was being done. He knew enough of archaeology to be able to tell any enthusiastic student who chanced to come along where to find the tumuli and the earthworks on the Downs. He had several Roman coins, and a fine bronze spearhead, which had been found upon the farm. These were kept with care, and produced to visitors with pride. Harry really did possess a wide fund of solid, if quiet, knowledge. Presently, after reading a chapter or two, he would drop off into a siesta, till some message came from the men or the bailiff, asking for instructions.

The farmstead was, in fact, a mansion of large size, an old manor-house, and had it been situate near a fashionable suburb and been placed in repair would have been worth to let as much per annum as the rent of a small farm. But it stood in a singularly lonely and outlying position, far from any village of size, much less a town, and the very highway even was so distant that you could only hear the horse's hoofs when the current of air came from that direction. This was his aunt's—the housekeeper's—great complaint, the distance to the highway. She grumbled because she could not see the carriers' carts and the teams go by; she wanted to know what was going on.

Harry, however, seemed contented with the placid calm of the vast house that was practically empty, and rarely left it, except for his regular weekly visit to market. After the fashion of a thoroughbred farmer he was often rather late home on market nights. There were three brothers, all in farms, and all well to do; the other two were married, and Harry was finely plagued about being a bachelor. But the placid life at the old place—he had succeeded to his father—somehow seemed to content him. He had visitors at Christmas, he read his books of winter evenings and after dinner; in autumn he strolled round with his double-barrel and knocked over a hare or so, and so slumbered away the days. But he never neglected the farming-everything was done almost exactly as it had been done by his father.

Old Harry Hodson was in his time one of the characters of that country side. He was the true founder of the Hodson family. They had been yeomen in a small way for generations, farming little holdings, and working like labourers, plodding on, and never heard of outside their fifty-acre farms. So they might have continued till this day had not old Harry Hodson arose to be the genius—the very Napoleon—of farming in that district. When the present Harry, the younger, had a visitor to his taste—i.e. one who was not in a hurry—he would, in the evening, pull out the books and papers and letters of his late father from the bureau (beside which stood the gun), and explain how the money was made. The logs crackled and sparkled on the hearth, the lamp burnt clear and bright; there was a low singing sound in the chimney; the elderly aunt nodded and worked in her arm-chair, and woke up and mixed fresh spirits and water, and went off to sleep again; and still Harry would sit and smoke and sip and talk. By-and-by the aunt would wish the visitor good-night, draw up the clock, and depart, after mixing fresh tumblers and casting more logs upon the fire, for well she knew her nephew's ways. Harry was no tippler, he never got intoxicated; but he would sit and smoke and sip and talk with a friend, and tell him all about it till the white daylight came peeping through the chinks in the shutters.

Old Harry Hodson, then, made the money, and put two of his sons in large farms, and paid all their expenses, so that they started fair, besides leaving his own farm to the third. Old Harry Hodson made the money, yet he could not have done it had he not married the exact woman. Women have made the fortunes of Emperors by their advice and assistance, and the greatest men the world has seen have owned that their success was owing to feminine counsel. In like manner a woman made the policy of an obscure farmer a success. When the old gentleman began to get well to do, and when he found his teeth not so strong as of yore, and his palate less able to face the coarse, fat, yellowy bacon that then formed the staple of the household fare, he actually ventured so far as to have one joint of butcher's meat, generally a leg of mutton, once a week. It was cooked for Sunday, and, so far as that kind of meat was concerned, lasted till the next Sunday. But his wife met this extravagant innovation with furious opposition. It was sheer waste; it was something almost unpardonably prodigal. They had eaten bacon all their lives, often bacon with the bristles thick upon it, and to throw away money like this was positively wicked. However, the-old gentleman, being stubborn as a horse-nail, persisted; the wife, still grumbling, calmed down; and the one joint of meat became an institution. Harry, the younger, still kept it up; but it had lost its significance in his day, for he had a fowl or two in the week, and a hare or a partridge, and, besides, had the choicest hams.

Now, this dispute between the old gentleman and his wife—this dispute as to which should be most parsimonious—was typical of their whole course of life. If one saved cheese-parings, the other would go without cheese at all, and be content with dry bread. They lived—indeed, harder than their own labourers, and it sometimes happened that the food they thought good enough was refused by a cottager. When a strange carter, or shepherd, or other labourer came to the house from a distance, perhaps with a waggon for a load of produce or with some sheep, it was the custom to give them some lunch. These men, unaccustomed even in their own cottages to such coarse food, often declined to eat it, and went away empty, but not before delivering their opinion of the fare, expressed in language of the rudest kind.

No economy was too small for old Hodson; in the house his wife did almost all the work. Nowadays a farmer's house alone keeps the women of one, or even two, cottages fully employed. The washing is sent out, and occupies one cottage woman the best part of her spare time. Other women come in to do the extra work, the cleaning up and scouring, and so on. The expense of employing these women is not great; but still it is an expense. Old Mrs. Hodson did everything herself, and the children roughed it how they could, playing in the mire with the pigs and geese. Afterwards, when old Hodson began to get a little money, they were sent to a school in a market town. There they certainly did pick up the rudiments, but lived almost as hard as at home. Old Hodson, to give an instance of his method, would not even fatten a pig, because it cost a trifle of ready money for 'toppings,' or meal, and nothing on earth could induce him to part with a coin that he had once grasped. He never fattened a pig (meaning for sale), but sold the young porkers directly they were large enough to fetch a sovereign a-piece, and kept the money.

The same system was carried on throughout the farm. The one he then occupied was of small extent, and he did a very large proportion of the work himself. He did not purchase stock at all in the modern sense; he grew them. If he went to a sale he bought one or two despicable-looking cattle at the lowest price, drove them home, and let them gradually gather condition. The grass they ate grew almost as they ate it—in his own words, 'They cut their own victuals'—i.e. with their teeth. He did not miss the grass blades, but had he paid a high price then he would have missed the money.

Here he was in direct conflict with modern farming. The theory of the farming of the present day is that time is money, and, according to this, Hodson made a great mistake. He should have given a high price for his stock, have paid for cake, &c., and fattened them up as fast as possible, and then realised. The logic is correct, and in any business or manufacture could not be gainsaid. But Hodson did just the reverse. He did not mind his cattle taking a little time to get into condition, provided they cost him no ready money. Theoretically, the grass they ate represented money, and might have been converted to a better use. But in practice the reverse came true. He succeeded, and other men failed. His cattle and his sheep, which he bought cheap and out of condition, quietly improved (time being no object), and he sold them at a profit, from which there were no long bills to deduct for cake.

He purchased no machinery whilst in this small place—which was chiefly grass land—with the exception of a second-hand haymaking machine. The money he made he put out at interest on mortgage of real property, and it brought in about 4 per cent. It was said that in some few cases where the security was good he lent it at a much higher rate to other farmers of twenty times his outward show. After awhile he went into the great farm now occupied by his son Harry, and commenced operations without borrowing a single shilling. The reason was because he was in no hurry. He slowly grew his money in the little farm, and then, and not till then, essayed the greater. Even then he would not have ventured had not the circumstances been peculiarly favourable. Like the present, it was a time of depression generally, and in this particular case the former tenant had lived high and farmed bad. The land was in the worst possible state, the landlord could not let it, and Hodson was given to understand that he could have it for next to nothing at first.

Now it was at this crisis of his life that he showed that in his own sphere he possessed the true attribute of genius. Most men who had practised rigid economy for twenty years, whose hours, and days, and weeks had been occupied with little petty details, how to save a penny here and a fourpenny bit yonder, would have become fossilised in the process. Their minds would have become as narrow as their ways. They would have shrunk from any venture, and continued in the old course to the end of their time.

Old Hodson, mean to the last degree in his way of living, narrow to the narrowest point where sixpence could be got, nevertheless had a mind. He saw that his opportunity had come, and he struck. He took the great corn farm, and left his little place. The whole country side at once pronounced him mad, and naturally anticipated his failure. The country side did not yet understand two things. They did not know how much money he had saved, and they did not know the capacity of his mind. He had not only saved money, and judiciously invested it, but he had kept it a profound secret, because he feared if his landlord learnt that he was saving money so fast the rent of the little farm would have been speedily raised. Here, again, he was in direct conflict with the modern farmer. The modern man, if he has a good harvest or makes a profit, at once buys a 'turn-out,' and grand furniture, and in every way 'exalts his gate,' When landlords saw their tenants living in a style but little inferior to that they themselves kept up, it was not really very surprising that the rents a few years back began to rise so rapidly. In a measure tenants had themselves to blame for that upward movement.

Old Hodson carried his money to a long distance from home to invest, so anxious was he that neither his landlord nor any one else should know how quickly he was getting rich. So he entered upon his new venture—the great upland farm, with its broad cornfields, its expanse of sheep walk and down, its meadows in the hollow, its copses (the copses alone almost as big as his original holding), with plenty of money in his pocket, and without being beholden to bank or lawyer for a single groat. Men thought that the size of the place, the big manor-house, and so on, would turn his head. Nothing of the kind; he proceeded as cautiously and prudently as previously. He began by degrees. Instead of investing some thousand pounds in implements and machinery at a single swoop, instead of purchasing three hundred sheep right off with a single cheque, he commenced with one thing at a time. In this course he was favoured by the condition of the land, and by the conditions of the agreement. He got it, as it were, gradually into cultivation, not all at once; he got his stock together, a score or two at a time, as he felt they would answer. By the year the landlord was to have the full rent: the new tenant was quite able to pay it, and did pay it without hesitation at the very hour it was due. He bought very little machinery, nothing but what was absolutely necessary—no expensive steam-plough. His one great idea was still the same, i.e. spend no money.

Yet he was not bigoted or prejudiced to the customs of his ancestors—another proof that he was a man of mind. Hodson foresaw, before he had been long at Upcourt Farm, that corn was not going in future to be so all in all important as it had been. As he said himself, 'We must go to our flocks now for our rent, and not to our barn doors.' His aim, therefore, became to farm into and through his flock, and it paid him well. Here was a man at once economical to the verge of meanness, prudent to the edge of timidity, yet capable of venturing when he saw his chance; and above all, when that venture succeeded, capable of still living on bacon and bread and cheese, and putting the money by.

In his earlier days Hodson was as close of speech as of expenditure, and kept his proceedings a profound secret. As he grew older and took less active exercise—the son resident at home carrying out his instructions—he became more garrulous and liked to talk about his system. The chief topic of his discourse was that a farmer in his day paid but one rent, to the landlord, whereas now, on the modern plan, he paid eight rents, and sometimes nine. First, of course, the modern farmer paid his landlord (1); next he paid the seedsman (2); then the manure manufacturer (3); the implement manufacturer (4); the auctioneer (5); the railroad, for transit (6); the banker, for short loans (7); the lawyer or whoever advanced half his original capital (8); the schoolmaster (9).

To begin at the end, the rent paid by the modern farmer to the schoolmaster included the payment for the parish school; and, secondly, and far more important, the sum paid for the education of his own children. Hodson maintained that many farmers paid as much hard cash for the education of their children, and for the necessary social surroundings incident to that education, as men used to pay for the entire sustenance of their households. Then there was the borrowed capital, and the short loans from the banker; the interest on these two made two more rents. Farmers paid rent to the railroad for the transit of their goods. The auctioneer, whether he sold cattle and sheep, or whether he had a depot for horses, was a new man whose profits were derived from the farmers. There were few or no auctioneers or horse depositories when he began business; now the auctioneer was everywhere, and every country town of any consequence had its establishment for the reception and sale of horses. Farmers sunk enough capital in steam-ploughs and machinery to stock a small farm on the old system, and the interest on this sunk capital represented another rent. It was the same with the artificial manure merchant and with the seedsman. Farmers used to grow their own seed, or, at most, bought from the corn dealers or a neighbour if by chance they were out. Now the seedsman was an important person, and a grand shop might be found, often several shops, in every market town, the owners of which shops must likewise live upon the farmer. Here were eight or nine people to pay rent to instead of one.

No wonder farming nowadays was not profitable. No wonder farmers could not put their sons into farms. Let any one look round their own neighbourhood and count up how many farmers had managed to do that. Why, they were hardly to be found. Farmers' sons had to go into the towns to get a livelihood now. Farming was too expensive a business on the modern system—it was a luxury for a rich man, who could afford to pay eight or nine landlords at once. The way he had got on was by paying one landlord only. Old Hodson always finished his lecture by thrusting both hands into his breeches pockets, and whispering to you confidentially that it was not the least use for a man to go into farming now unless he had got ten thousand pounds.

It was through the genius of this man that his three sons were doing so well. At the present day, Harry, the younger, took his ease in his arm-chair after his substantial but plain dinner, with little care about the markets or the general depression. For much of the land was on high ground and dry, and the soil there benefited by the wet. At the same time sheep sold well, and Harry's flocks were large and noted. So he sauntered round with his gun, and knocked over a hare, and came comfortably home to dinner, easy in his mind, body, and pocket.

Harry was not a man of energy and intense concentrated purpose like his father. He could never have built up a fortune, but, the money being there, Harry was just the man to keep it. He was sufficiently prudent to run no risk and to avoid speculation. He was sufficiently frugal not to waste his substance on riotous living, and he was naturally of a placid temperament, so that he was satisfied to silently and gradually accumulate little by little. His knowledge of farming, imbibed from his father, extended into every detail. If he seldom touched an implement now, he had in his youth worked like the labourers, and literally followed the plough. He was constantly about on the place, and his eye, by keeping the men employed, earned far more money than his single arm could have done. Thus he dwelt in the lonely manor-house, a living proof of the wisdom of his father's system.

Harry is now looking, in his slow complacent way, for a wife. Being forty years of age, he is not in a great hurry, and is not at all inclined to make a present of himself to the first pretty face he meets. He does not like the girl of the period; he fears she would spend too much money. Nor, on the other hand, does he care for the country hoyden, whose mind and person have never risen above the cheese-tub, with red hands, awkward gait, loud voice, and limited conversation. He has read too much, in his quiet way, and observed too much, in his quiet way, also, for that. He wants a girl well educated, but not above her station, unaffected and yet comely, fond of home and home duties, and yet not homely. And it would be well if she had a few hundreds—a very small sum would do—for her dower. It is not that he wants the money, which can be settled on herself; but there is a vein of the old, prudent common sense running through Harry's character. He is in no hurry; in time he will meet with her somewhere.



CHAPTER VII



THE GIG AND THE FOUR-IN-HAND. A BICYCLE FARMER

Two vehicles were gradually approaching each other from opposite directions on a long, straight stretch of country road, which, at the first glance, appeared level. The glare of the August sunshine reflected from the white dust, the intense heat that caused a flickering motion of the air like that which may be seen over a flue, the monotonous low cropped hedges, the scarcity of trees, and boundless plain of cornfields, all tended to deceive the eye. The road was not really level, but rose and fell in narrow, steep valleys, that crossed it at right angles—the glance saw across these valleys without recognising their existence. It was curious to observe how first one and then the other vehicle suddenly disappeared, as if they had sunk into the ground, and remained hidden for some time. During the disappearance the vehicle was occupied in cautiously going down one steep slope and slowly ascending the other. It then seemed to rapidly come nearer till another hollow intervened, and it was abruptly checked. The people who were driving could observe each other from a long distance, and might naturally think that they should pass directly, instead of which they did not seem to get much nearer. Some miles away, where the same road crossed the Downs, it looked from afar like a white line drawn perpendicularly up the hill.

The road itself was narrow, hardly wider than a lane, but on either side was a broad strip of turf, each strip quite twice the width of the metalled portion. On the verge of the dust the red pimpernel opened its flowers to the bright blue cloudless sky, and the lowly convolvulus grew thickly among the tall dusty bennets. Sweet short clover flowers stood but a little way back; still nearer the hedges the grass was coarser, long, and wire-like. Tall thistles stood beside the water furrows and beside the ditch, and round the hawthorn bushes that grew at intervals on the sward isolated from the hedge. Loose flints of great size lay here and there among the grass, perhaps rolled aside surreptitiously by the stone-breakers to save themselves trouble. Everything hot and dusty. The clover dusty, the convolvulus dusty, the brambles and hawthorn, the small scattered elms all dusty, all longing for a shower or for a cool breeze.

The reapers were at work in the wheat, but the plain was so level that it was not possible to see them without mounting upon a flint heap. Then their heads were just visible as they stood upright, but when they stooped to use the hook they disappeared. Yonder, however, a solitary man in his shirt-sleeves perched up above the corn went round and round the field, and beside him strange awkward arms seemed to beat down the wheat. He was driving a reaping machine, to which the windmill-like arms belonged. Beside the road a shepherd lingered, leaning on a gate, while his flock, which he was driving just as fast and no faster than they cared to eat their way along the sward, fed part on one side and part on the other. Now and then two or three sheep crossed over with the tinkling of a bell. In the silence and stillness and brooding heat, the larks came and dusted themselves in the white impalpable powder of the road. Farther away the partridges stole quietly to an anthill at the edge of some barley. By the white road, a white milestone, chipped and defaced, stood almost hidden among thistles and brambles. Some white railings guarded the sides of a bridge, or rather a low arch over a dry watercourse. Heat, dust, a glaring whiteness, and a boundless expanse of golden wheat on either hand.

After awhile a towering four-in-hand coach rose out of the hollow where it had been hidden, and came bowling along the level. The rapid hoofs beat the dust, which sprang up and followed behind in a cloud, stretching far in the rear, for in so still an atmosphere the particles were long before they settled again. White parasols and light dust coats—everything that could be contrived for coolness—gay feathers and fluttering fringes, whose wearers sat in easy attitudes enjoying the breeze created by the swift motion. Upon such a day the roof of a coach is more pleasant than the thickest shade, because of that current of air, for the same leaves that keep off the sun also prevent a passing zephyr from refreshing the forehead. But the swifter the horses the sweeter the fresh wind to fan the delicate cheek and drooping eyelid of indolent beauty. So idle were they all that they barely spoke, and could only smile instead of laugh if one exerted himself to utter a good jest. The gentleman who handled the ribbons was the only one thoroughly awake.

His eyes were downcast, indeed, because they never left his horses, but his ears were sharply alive to the rhythmic beat of the hoofs and the faint creak and occasional jingle of the harness. Had a single shoe failed to send forth the proper sound as it struck the hard dry road, had there been a creak or a jingle too many, or too few, those ears would instantly have detected it. The downcast eyes that looked neither to the right nor left—at the golden wheat or the broad fields of barley—were keenly watching the ears of the team, and noting how one of the leaders lathered and flung white froth upon the dust. From that height the bowed backs of the reapers were visible in the corn. The reapers caught sight of the coach, and stood up to look, and wiped their brows, and a distant hurrah came from the boys among them. In all the pomp and glory of paint and varnish the tall coach rolled on, gently swaying from side to side as the springs yielded to the irregularities of the road. It came with a heavy rumble like far-away thunder over the low arch that spanned the dry water-course.

Meantime the vehicle approaching from the opposite direction had also appeared out of a hollow. It was a high, narrow gig of ancient make, drawn by a horse too low for the shafts and too fat for work. In the gig sat two people closely pressed together by reason of its narrow dimensions. The lady wore a black silk dress, of good and indeed costly material, but white with the dust that had settled upon it. Her hands were covered with black cotton gloves, and she held a black umbrella. Her face was hidden by a black veil; thin corkscrew curls fringed the back of her head. She was stout, and sat heavily in the gig. The man wore a grey suit, too short in the trousers—at least they appeared so as he sat with his knees wide apart, and the toe of one heavy boot partly projecting at the side of the dash-board. A much-worn straw hat was drawn over his eyes, and he held a short whip in his red hand. He did not press his horse, but allowed the lazy animal to go jog-trot at his own pace. The panels of the gig had lost their original shining polish; the varnish had cracked and worn, till the surface was rough and grey. The harness was equally bare and worn, the reins mended more than once. The whole ramshackle concern looked as if it would presently fall to pieces, but the horse was in much too good a condition.

When the four-in-hand had come within about a hundred yards, the farmer pulled his left rein hard, and drew his gig right out of the road on to the sward, and then stopped dead, to give the coach the full use of the way. As it passed he took off his straw hat, and his wife stooped low as a makeshift for bowing. An outsider might have thought that the aristocratic coach would have gone by this extremely humble couple without so much as noticing it. But the gentleman who was driving lifted his hat to the dowdy lady, with a gesture of marked politeness, and a young and elegantly-dressed lady, his sister, nodded and smiled, and waved her hand to her. After the coach had rolled some fifty yards away, the farmer pulled into the road, and went on through the cloud of dust it had left behind it, with a complacent smile upon his hard and weather-worn features. 'A' be a nice young gentleman, the Honourable be,' said he presently. 'So be Lady Blanche,' replied his wife, lifting her veil and looking back after the four-in-hand. 'I'm sure her smile's that sweet it be a pleasure for to see her.'

Half a mile farther the farmer drew out of the road again, drove close to the hedge, stopped, and stood up to look over. A strongly-built young man, who had been driving the reaping machine in his shirt-sleeves, alighted from his seat and came across to the hedge.

'Goes very well to-day,' he said, meaning that the machine answered.

'You be got into a good upstanding piece, John,' replied the old man sharply in his thin jerky voice, which curiously contrasted with his still powerful frame. 'You take un in there and try un'—pointing to a piece where the crop had been beaten down by a storm, and where the reapers were at work. 'You had better put the rattletrap thing away, John, and go in and help they. Never wasted money in all my life over such a thing as that before. What be he going to do all the winter? Bide and rust, I 'spose. Can you put un to cut off they nettles along the ditch among they stones?'

'It would break the knives,' said the son.

'But you could cut um with a hook, couldn't you?' asked the old man, in a tone that was meant to convey withering contempt of a machine that could only do one thing, and must perforce lie idle ten months of the year.

'That's hardly a fair way of looking at it,' the son ventured.

'John,' said his mother, severely, 'I can't think how you young men can contradict your father. I'm sure young men never spoke so in my time; and I'm sure your father has been prospered in his farming' (she felt her silk dress), 'and has done very well without any machines, which cost a deal of money—and Heaven knows there's a vast amount going out every day.'

A gruff voice interrupted her—one of the reapers had advanced along the hedge, with a large earthenware jar in his hand.

'Measter,' he shouted to the farmer in the gig, 'can't you send us out some better tackle than this yer stuff?'

He poured some ale out of the jar on the stubble with an expression of utter disgust.

'It be the same as I drink myself,' said the farmer, sharply, and immediately sat down, struck the horse, and drove off.

His son and the labourer—who could hardly have been distinguished apart so far as their dress went—stood gazing after him for a few minutes. They then turned, and each went back to his work without a word.

The farmer drove on steadily homewards at the same jog-trot pace that had been his wont these forty years. The house stood a considerable distance back from the road: it was a gabled building of large size, and not without interest. It was approached by a drive that crossed a green, where some ducks were waddling about, and entered the front garden, which was surrounded by a low wall. Within was a lawn and an ancient yew tree. The porch was overgrown with ivy, and the trees that rose behind the grey tiles of the roof set the old house in a frame of foliage. A fine old English homestead, where any man might be proud to dwell. But the farmer did not turn up the drive. He followed the road till he came to a gate leading into the rickyard, and, there getting out of the gig, held the gate open while the horse walked through. He never used the drive or the front door, but always came in and went out at the back, through the rickyard.

The front garden and lawn were kept in good order, but no one belonging to the house ever frequented it. Had any stranger driven up to the front door, he might have hammered away with the narrow knocker—there was no bell—for half an hour before making any one hear, and then probably it would have been by the accident of the servant going by the passage, and not by dint of noise. The household lived in the back part of the house. There was a parlour well furnished, sweet with flowers placed there fresh daily, and with the odour of those in the garden, whose scent came in at the ever open window; but no one sat in it from week's end to week's end. The whole life of the inmates passed in two back rooms—a sitting-room and kitchen.

With some slight concessions to the times only, Farmer M—— led the life his fathers led before him, and farmed his tenancy upon the same principles. He did not, indeed, dine with the labourers, but he ate very much the same food as they did. Some said he would eat what no labourer or servant would touch; and, as he had stated, drank the same smallest of small beer. His wife made a large quantity of home-made wine every year, of which she partook in a moderate degree, and which was the liquor usually set before visitors. They rose early, and at once went about their work. He saw his men, and then got on his horse and rode round the farm. He returned to luncheon, saw the men again, and again went out and took a turn of work with them. He rode a horse because of the distance—the farm being large—not for pleasure. Without it he could not have visited his fields often enough to satisfy himself that the labourers were going on with their work. He did not hunt, nor shoot—he had the right, but never exercised it; though occasionally he was seen about the newly-sown fields with a single-barrel gun, firing at the birds that congregated in crowds. Neither would he allow his sons to shoot or hunt.

One worked with the labourers, acting as working bailiff—it was he who drove the reaping machine, which, after long argument and much persuasion the farmer bought, only to grumble at and abuse every day afterwards. The other was apprenticed as a lad to a builder and carpenter of the market town, and learned the trade exactly as the rest of the men did there. He lodged in the town in the cheapest of houses, ate hard bread and cheese with the carpenters and masons and bricklayers, and was glad when the pittance he received was raised a shilling a week. Once now and then he walked over to the farm on Sundays or holidays—he was not allowed to come too often. They did not even send him in a basket of apples from the great orchard; all the apples were carefully gathered and sold.

These two sons were now grown men, strong and robust, and better educated than would have been imagined—thanks to their own industry and good sense, and not to any schooling they received. Two finer specimens of physical manhood it would have been difficult to find, yet their wages were no more than those of ordinary labourers and workmen. The bailiff, the eldest, had a pound a week, out of which he had to purchase every necessary, and from which five shillings were deducted for lodgings. It may be that he helped himself to various little perquisites, but his income from every source was not equal to that of a junior clerk. The other nominally received more, being now a skilled workman; but as he had to pay for his lodgings and food in town, he was really hardly so well off. Neither of these young men had the least chance of marrying till their father should die; nothing on earth would induce him to part with the money required to set the one in business up or the other in a separate farm. He had worked all his time under his father, and it seemed to him perfectly natural that his sons should work all their time under him.

There was one daughter, and she, too, was out at work. She was housekeeper to an infirm old farmer; that is to say, she superintended the dairy and the kitchen, and received hardly as much as a cook in a London establishment. Like the sons, she was finely developed physically, and had more of the manners of a lady than seemed possible under the circumstances.

Her father's principles of farming were much the same as his plan of housekeeping and family government. It consisted of never spending any money. He bought no machines. The reaping machine was the one exception, and a bitter point with the old man. He entered on no extensive draining works, nor worried his landlord to begin them. He was content with the tumble-down sheds till it was possible to shelter cattle in them no longer. Sometimes he was compelled to purchase a small quantity of artificial manure, but it was with extreme reluctance. He calculated to produce sufficient manure in the stalls, for he kept a large head of fattening cattle, and sheep to the greatest extent possible. He would rather let a field lie fallow, and go without the crop from it, till nature had restored the exhausted fertility, than supply that fertility at the cost of spending money. The one guiding motto of his life was 'Save, not invest.' When once he got hold of a sovereign he parted with it no more; not though all the scientific professors in the world came to him with their analyses, and statistics, and discoveries. He put it in the bank, just as his father would have put it into a strong box under his bed. There it remained, and the interest that accrued, small as it was, was added to it.

Yet it was his pride to do his land well. He manured it well, because he kept cattle and sheep, especially the latter, to the fullest capacity of his acreage; and because, as said before, he could and did afford to let land lie fallow when necessary. He was in no hurry. He was not anxious for so much immediate percentage upon an investment in artificial manure or steam-plough. He might have said, with a greater man, 'Time and I are two.' It was Time, the slow passage of the years, that gave him his profit. He was always providing for the future; he was never out of anything, because he was never obliged to force a sale of produce in order to get the ready cash to pay the bank its interest upon borrowed money. He never borrowed; neither did he ever make a speech, or even so much as attend a farmers' club, to listen to a scientific lecture. But his teams of horses were the admiration of the country side—no such horses came into the market town. His rent was paid punctually, and always with country bank-notes—none of your clean, newfangled cheques, or Bank of England crisp paper, but soiled, greasy country notes of small denomination.

Farmer M—— never asked for a return or reduction of his rent. The neighbours said that he was cheaply rented: that was not true in regard to the land itself. But he certainly was cheaply rented if the condition of the farm was looked at. In the course of so many long years of careful farming he had got his place into such a state of cultivation that it could stand two or three bad seasons without much deterioration. The same bad seasons quite spoiled the land of such of his neighbours as had relied upon a constant application of stimulants to the soil. The stimulating substances being no longer applied, as they could not afford to buy them, the land fell back and appeared poor.

Farmer M—-, of course, grumbled at the weather, but the crops belied his lips. He was, in fact, wealthy—not the wealth that is seen in cities, but rich for a countryman. He could have started both his sons in business with solid capital. Yet he drank small beer which the reapers despised, and drove about in a rusty old gig, with thousands to his credit at that old country bank. When he got home that afternoon, he carefully put away some bags of coin for the wages of the men, which he had been to fetch, and at once started out for the rickyard, to see how things were progressing. So the Honourable on the tall four-in-hand saluted with marked emphasis the humble gig that pulled right out of the road to give him the way, and the Lady Blanche waved her hand to the dowdy in the dusty black silk with her sweetest smile. The Honourable, when he went over the farm with his breechloader, invariably came in and drank a glass of the small beer. The Lady Blanche, at least once in the autumn, rode up, alighted, and drank one glass of the home-made wine with the dowdy. Her papa, the landlord, was an invalid, but he as invariably sent a splendid basket of hot-house grapes. But Farmer M—— was behind the age.

Had he looked over the hedge in the evening, he might have seen a row of reapers walking down the road at the sudden sound of a jingling bell behind them, open their line, and wheel like a squad, part to the right and part to the left, to let the bicycle pass. After it had gone by they closed their rank, and trudged on toward the village. They had been at work all day in the uplands among the corn, cutting away with their hooks low down the yellow straw. They began in the early morning, and had first to walk two miles or more up to the harvest field. Stooping, as they worked, to strike low enough, the hot sun poured his fierce rays upon their shoulders and the backs of their necks. The sinews of the right arm had continually to drive the steel through straw and tough weeds entangled in the wheat. There was no shadow to sit under for luncheon, save that at the side of the shocks, where the sheaves radiated heat and interrupted the light air, so that the shadow was warmer than the sunshine. Coarse cold bacon and bread, cheese, and a jar of small beer, or a tin can of weak cold tea, were all they had to supply them with fresh strength for further labour.

At last the evening came, the jackets so long thrown aside were resumed, and the walk home began. After so many hours of wearisome labour it was hardly strange that their natural senses were dulled—that they did not look about them, nor converse gaily. By mutual, if unexpressed consent, they intended to call at the wayside inn when they reached it, to rest on the hard bench outside, and take a quart of stronger ale. Thus trudging homewards after that exhausting day, they did not hear the almost silent approach of the bicycle behind till the rider rang his bell. When he had passed, the rider worked his feet faster, and swiftly sped away along the dry and dusty road. He was a tall young gentleman, whose form was well set off and shown by the tight-fitting bicycle costume. He rode well and with perfect command—the track left in the dust was straight, there was no wobbling or uncertainty.

'That be a better job than ourn, you,' said one of the men, as they watched the bicycle rapidly proceeding ahead.

'Ay,' replied his mate, 'he be a vine varmer, he be.'

Master Phillip, having a clear stretch of road, put on his utmost speed, and neither heard the comments made upon him, nor would ha e cared if he had. He was in haste, for he was late, and feared every minute to hear the distant dinner bell. It was his vacation, and Master Phillip, having temporarily left his studies, was visiting a gentleman who had taken a country mansion and shooting for the season. His host had accumulated wealth in the 'City,' and naturally considered himself an authority on country matters. Master Phillip's 'governor' was likewise in a large way of business, and possessed of wealth, and thought it the correct thing for one of his sons to 'go in' for agriculture—a highly genteel occupation, if rightly followed, with capital and intelligence. Phillip liked to ride his bicycle in the cool of the evening, and was supposed in these excursions to be taking a survey of the soil and the crops, and to be comparing the style of agriculture in the district to that to which he had been trained while pursuing his studies. He slipped past the wayside inn; he glided by the cottages and gardens at the outskirts of the village; and then, leaving the more thickly inhabited part on one side, went by a rickyard. Men were busy in the yard putting up the last load of the evening, and the farmer in his shirt-sleeves was working among and directing the rest. The bicyclist without a glance rode on, and shortly after reached the lodge gates. They were open, in anticipation of his arrival.

He rode up the long drive, across the park, under the old elms, and alighted at the mansion before the dinner bell rang, much to his relief; for his host had more than one daughter, and Phillip liked to arrange his toilet to perfection before he joined their society. His twenty-five-guinea dressing-case, elaborately fitted up—too completely indeed, for he had no use for the razor—soon enabled him to trim and prepare for the dining-room. His five-guinea coat, elegant studs, spotless shirt and wristbands, valuable seal ring on one finger, patent leather boots, keyless watch, eyeglass, gold toothpick in one pocket, were all carefully selected, and in the best possible style. Mr. Phillip—he would have scorned the boyish 'master'—was a gentleman, from the perfumed locks above to the polished patent leather below. There was ton in his very air, in the 'ah, ah,' of his treble London tone of voice, the antithesis of the broad country bass. He had a firm belief in the fitness of things—in the unities, so to speak, of suit, action, and time.

When his team were struggling to force the ball by kick, or other permitted means, across the tented field, Phillip was arrayed in accurate football costume. When he stood on the close-mown lawn within the white-marked square of tennis and faced the net, his jacket was barred or striped with scarlet. Then there was the bicycle dress, the morning coat, the shooting jacket, and the dinner coat, not to mention the Ulster or Connaught overcoat, the dust coat, and minor items innumerable. Whether Phillip rolled in the mire at football, or bestrode a bicycle, or sat down to snow-white tablecloth and napkin, he conscientiously dressed the part. The very completeness of his prescribed studies—the exhaustive character of the curriculum-naturally induced a frame of mind not to be satisfied with anything short of absolute precision, and perhaps even apt to extend itself into dilettanteism.

Like geology, the science of agriculture is so vast, it embraces so wide a range, that one really hardly knows where it begins or ends. Phillip's knowledge was universal. He understood all about astronomy, and had prepared an abstract of figures proving the connection of sun-spots, rainfall, and the price of wheat. Algebra was the easiest and at the same time the most accurate mode of conducting the intricate calculations arising out of the complicated question of food—of flesh formers and heat generators—that is to say, how much a sheep increased in weight by gnawing a turnip. Nothing could be more useful than botany-those who could not distinguish between a dicotyledon and a monocotyledon could certainly never rightly grasp the nature of a hedgerow. Bellis perennis and Sinapis arvensis were not to be confounded, and Triticum repens was a sure sign of a bad farmer. Chemistry proved that too small a quantity of silicate made John Barleycorn weak in the knee; ammonia, animal phosphates, nitrogen, and so on, were mere names to many ignorant folk. The various stages and the different developments of insect life were next to be considered.