but they might be here. You cultivate society and
society cultivates you, but Mr Riah's not society. In society, Mr Riah
is kept dark; eh, Mr Twemlow?'

Twemlow, much disturbed, and with his hand fluttering about his
forehead, replied: 'Quite true.'

The confiding young man besought him to state his case. The innocent
Twemlow, expecting Fledgeby to be astounded by what he should unfold,
and not for an instant conceiving the possibility of its happening every
day, but treating of it as a terrible phenomenon occurring in the course
of ages, related how that he had had a deceased friend, a married civil
officer with a family, who had wanted money for change of place on
change of post, and how he, Twemlow, had 'given him his name,' with the
usual, but in the eyes of Twemlow almost incredible result that he had
been left to repay what he had never had. How, in the course of years,
he had reduced the principal by trifling sums, 'having,' said Twemlow,
'always to observe great economy, being in the enjoyment of a fixed
income limited in extent, and that depending on the munificence of
a certain nobleman,' and had always pinched the full interest out of
himself with punctual pinches. How he had come, in course of time,
to look upon this one only debt of his life as a regular quarterly
drawback, and no worse, when 'his name' had some way fallen into the
possession of Mr Riah, who had sent him notice to redeem it by paying up
in full, in one plump sum, or take tremendous consequences. This, with
hazy remembrances of how he had been carried to some office to 'confess
judgment' (as he recollected the phrase), and how he had been carried
to another office where his life was assured for somebody not wholly
unconnected with the sherry trade whom he remembered by the remarkable
circumstance that he had a Straduarius violin to dispose of, and also a
Madonna, formed the sum and substance of Mr Twemlow's narrative. Through
which stalked the shadow of the awful Snigsworth, eyed afar off by
money-lenders as Security in the Mist, and menacing Twemlow with his
baronial truncheon.

To all, Mr Fledgeby listened with the modest gravity becoming a
confiding young man who knew it all beforehand, and, when it was
finished, seriously shook his head. 'I don't like, Mr Twemlow,' said
Fledgeby, 'I don't like Riah's calling in the principal. If he's
determined to call it in, it must come.'

'But supposing, sir,' said Twemlow, downcast, 'that it can'