human
except for sums under four or five pounds. The unfortunates who are short of a sovereign or two must look up their old friend in the back shop smelling of bacon, tallow, pepper, tea, and whisky, just as their social superiors seek the intrepid sixty per cent. man of St. James's, whose snuggery is perfumed by the best Havannahs that other people's money can buy. But when the soul of Mike rises to the sublime conception of a loan of five pounds he dismisses the old-fashioned usurer, and hies him to one of the branch banks which abound in every petty townlet in Western and Southern Ireland. When I say
gpt
I mean to be taken literally. What would be thought in England, I wonder, of four banks in a town like Ennis, or of two in pettifogging places like Kilrush or Ennistynon--mere hamlets of some two thousand inhabitants? Yet these three places have eight branch banking establishments among them. It must not, however, be supposed that Mike gets his paltry four or five pounds on his promissory note without further security. Nothing of the kind. Mike must go through as much artful financiering to raise his five pounds as the Hon. Algernon Deuceace to raise his
human
His bill must be well backed by his friends, Thady and Tim. Now, Thady's name on the back of a five-pound bill is not good for much. He is but a peasant, like Mike, not a farmer, properly so called, and even as two blacks will not make a white, so will the joint credit of Mike and Thady not rise to the height of five one-pound notes. But they have a potent ally in Tim, who married Thady's wife's cousin. Tim is a prudent man, has worked hard at his farm, and, as a rule, has a matter of twenty or thirty pounds on deposit note at the bank, receiving for the same interest at the rate of one per cent. per annum. His name at the back of a five-pound bill is therefore a tower of strength, and, in fact, floats the entire speculation. In commercial phrase, he