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dation of a wooden table and a chair; and the clerk's wife performed what meagre cooking and cleaning service old Cater would have. Sinclair was a man of forty-five, rusty, starved, honest, and very cheap. He was very cheap because it had been his foolishness, twenty years ago, when in City employ, to borrow forty pounds of old Cater to get married with, and to buy furniture, together with forty pounds he had of his own. Sinclair was young then, and knew nothing of the ways of the two hundred per cent. money-lender. When he had, by three or four years' pinching, paid about a hundred and fifty pounds on account of interest and fines, and only had another hundred or two still due to clear everything off, he fell sick and lost his place. The payment of interest ceased, and old Jerry Cater took his victim's body, soul, wife, sticks, and chairs together. Jerry Cater discharged his own clerk, and took Sinclair, with a saving of five shillings a week on the nominal salary, and out of the remainder he deducted, on account of the debt and ever-accumulating interest, enough to keep his man thin and broken-spirited, without absolutely incapacitating him from work, which would have been bad finance. But the rest of the debt,