The dictates of my father were to MacVittie and MacFin the laws of the
Medes and Persians, not to be altered, innovated, or even discussed; and
the punctilios exacted by Owen in their business transactions, for he was
a great lover of form, more especially when he could dictate it _ex
cathedra,_ seemed scarce less sanctimonious in their eyes. This tone of
deep and respectful observance went all currently down with Owen; but my
father looked a little closer into men's bosoms, and whether suspicious
of this excess of deference, or, as a lover of brevity and simplicity in
business, tired with these gentlemen's long-winded professions of regard,
he had uniformly resisted their desire to become his sole agents in
Scotland. On the contrary, he transacted many affairs through a
correspondent of a character perfectly different--a man whose good
opinion of himself amounted to self-conceit, and who, disliking the
English in general as much as my father did the Scotch, would hold no
communication but on a footing of absolute equality; jealous, moreover;
captious occasionally; as tenacious of his own opinions in point of form
as Owen could be of his; and totally indifferent though the authority of
all Lombard Street had stood against his own private opinion.

As these peculiarities of temper rendered it difficult to transact
business with Mr. Nicol Jarvie,--as they occasioned at times disputes and
coldness between the English house and their correspondent, which were
only got over by a sense of mutual interest,--as, moreover, Owen's
personal vanity sometimes suffered a little in the discussions to which
they gave rise, you cannot be surprised, Tresham, that our old friend
threw at all times the weight of his influence in favour of the civil,
discreet, accommodating concern of MacVittie and MacFin, and spoke of
Jarvie as a petulant, conceited Scotch pedlar, with whom there was no
dealing.