was on the fourth of the month--a serious day to many--and, although I
had made every exertion to meet this payment, I found myself, on the very
morning, at least two hundred pounds deficient. I have told you, that the
credit of our house was without a spot. Its reputation stood high amongst
the highest. Slander had not dared to breathe one syllable against it. To
me was entrusted this precious jewel, and I was now upon the very brink
of losing it. I rose from my pillow before daylight, and endeavoured to
contrive a plan for my relief. Fear and excitement prevented all
deliberate thought, and I walked to the counting-house confounded--almost
delirious. I had taken no food. I could not break my fast until the
exigency had passed away. I was sitting in the little room, filled with
dismal apprehensions, when Mr Gilbert was announced, and suddenly
appeared. As suddenly I resolved to tell him of my necessity, and to ask
his aid or counsel. Blushing to the forehead, I confided my situation to
him, and asked what it was possible to do. He smiled in answer produced
his pocket-book, and gave me, without a word; a draft upon his banker for
the sum required. At that moment, sir, I felt what it was to be respited
after sentence of death--to be rescued from drowning--to awaken into life
from horrible and numbing dreams. I pressed the hand of my deliverer with
the most affectionate zeal, and assured him of my everlasting gratitude.

"'No occasion, my dear sir,' answered Mr Gilbert. 'This is a very common
case in business, and will happen to the best of men. Never hesitate to
ask me when you are in need. When I have the cash, you shall command me
always. Give me your IOU--that will be quite sufficient, and pay the money
back when it is quite convenient.' Disinterested, most praiseworthy man!
He left me, impressed with his benevolence, and with my spirit at rest.
With the dismissal of my incubus, my appetite was restored. I partook of a
hearty dinner, and returned home, happy as a boy again. At the end of a
week, I was enabled to repay my benefactor; but, at the end of a