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e engagements； to fulfil which a century's income would not have sufficed： today a thousand railway companies are registered； requiring a capital of six hundred million and another thousand projected； to cost another five hundred million。 Where is the money to come from？ If the world was both cultivated and civilised （instead of neither）； and this nation could be sold； with every building； ship； quadruped； jewel； and marketable female in it； it would not fetch the money to make these railways； yet the country undertakes to create them in three years _with its floating capital。_ Arithmetic of Bedlam！ The thing cannot last a year without collapsing。〃 Richard Hardie _talked_ like this from first to last。 But； when he saw that shares invariably mounted； that even those who； for want of interest； had to buy them at a premium； sold them at a profit； when he saw paupers making large fortunes in a few months； by buying into every venture and selling the next weekhe itched for his share of the booty； and determined to profit in act by the credulity of mankind； as well as expose it in words。 He made use of his large connections to purchase shares； which he took care to part with speedily。 He cleared a good deal of money； and that made him hungrier： he went deeper and deeper into what he called Flat…catching； till one day he stood to win thirty thousand pounds at a _coup。_
But it is dangerous to be a convert； real or false； to Bubble： the game is to be rash at once； and turn prudent at the full tide。 When Richard Hardie was up to his chin in these time bargains； came an incident not easy to foresee： the conductors of the _Times；_ either from patriotism or long…sighted policy； punctured the bladder； though they were making thousands weekly by the railway advertisements。 The time was so well chosen； and the pin applied； that it was a death…blow： shares declined from that morning； and the inevitable panic was advanced a week or two。 The more credulous speculators held on in hopes of a revival； but Hardie； who knew that the collapse had been merely hastened； saw the gravity of the situation； and sold largely at a heavy loss。 But he could not sell all the bad paper he had accumulated for a temporary purpose： the panic came too swiftly and too strong； soon there were no buyers at any price。 The biter was bit： the fox who had said； 〃This is a trap； I'll lightly come and lightly go；〃 was caught by the light fantastic toe。
In this emergency he showed high qualities： vast financial ability； great fortitude； and that sense of commercial honour which Mrs。 Dodd justly called his semi…chivalrous sentiment。 He mustered all his private resources to meet his engagements and maintain his high position。 Then commenced a long and steady struggle； conducted with a Spartan dignity and self…command； and a countenance as close as wax。 Little did any in Barkington guess the doubts and fears； the hopes and despondencies； which agitated and tore the heart and brain that schemed； and throbbed； and glowed； and sickened by turns beneath that steady modulated exterior。 And so for months and months he secretly battled with insolvency； sometimes it threatened in the distance； sometimes at hand； but never caught him unawares： he provided for each coming danger； he encountered each immediate attack。 But not unscathed in morals。 Just as matters looked brighter； came a concentration of liabilities he could not meet without emptying his tills； and so incurring the most frightful danger of all。 He had provided for its coming too； but a decline； greater than he had reckoned on； in the value of his good securities； made that provision inadequate。 Then it was he committed a _faux…pas。_ He was one of his own children's trustees； and the other two signed after him like machines。 He said to himself： 〃My honour is my children's； my position is worth thousands _to them。_ I have sacrificed a fortune to preserve it； it would be madness to recoil now。〃 He borrowed three thousand pounds of the trust money； and； soon after； two thousand more： it kept him above water； but the peril； and the escape on such terms； left him gasping inwardly。
At last； when even his granite nature was almost worn down with labour； anxiety； and struggling all alone without a word of comfortfor the price of one grain of sympathy would have been 〃Destruction〃he shuffled off his iron burden and breathed again。
One day he spent in a sort of pleasing lethargy； like a strong swimmer who； long and sore buffeted by the waves； has reached the shore at last。
The next day his cashier； a sharp…visaged； bald…headed old man called Young Skinner； invited his attention rather significantly to the high amount of certain balances compared with the cash at his （Skinner's） disposal。
〃Indeed！〃 said Hardie quietly； 〃that must be regulated。〃 He added graciously； as if conferring a great favour； 〃I'll look into the books myself； Skinner。〃
He did more： he sat up all night over the books； and his heart died with him。 Bankruptcy seemed coming towards him； slow perhaps； but sure。 And meantime to live with the sword hanging over him by a hair！
Soon matters approached a crisis； several large drafts were drawn； which would have cleaned the bank out； but that the yearly rents of a wealthy nobleman had for some days past been flowing in。 This nobleman had gone to explore Syria and Assyria。 He was a great traveller； who contrived to live up to his income at home； but had never been able to spend a quarter of it abroad； for want of enemies and mastersbetter known as friends and servantsto help him。 So Hardie was safe for some months； unless there should be an extraordinary run on him； and that was not likely this year； the panic had subsided； and； _nota bene；_ his credit had never stood higher。 The reason was； he had been double…faced； had always spoken against railways： and his wise words were public； whereas his fatal acts had been done in the dark。
But now came a change； a bitter revulsion； over this tossed mind： hope and patience failed at last； and his virtue； being a thing of habit and traditions rather than of the soul； wore out； nay more； this man； who had sacrificed so nobly to commercial integrity； was filled with hate of his idol and contempt of himself。 〃Idiot！〃 said he； 〃to throw away a fortune fighting for honoura greater bubble than that which has ruined meinstead of breaking like a man； with a hidden purse； and starting fair again； as sensible traders do。〃
No honest man in the country that year repented of his vices so sincerely as Richard Hardie loathed his virtue。 And he did not confine his penitence to sentiment： he began to spend his days at the bank poring over the books； and to lay out his arithmetical genius in a subtle process； that should enable him by degrees to withdraw a few thousands from human eyes for his future use； despite the feeble safeguards of the existing law。 In other words； Richard Hardie； like thousands before him； was fabricating and maturing a false balance…sheet。
One man in his time plays many animals。 Hardie at this period turned mole。 He burrowed darkling into _oes alienum。_ There is often one of these sleek miners in a bank： it is a section of human zoology the journals h