I have calculated a scale of living for incomes of eighty, one hundred and sixty, two hundred, and two hundred and forty pounds a year. I must confess that the income of eighty pounds has somewhat baffled me, and the others are not so exact as I could wish; for the price of washing varies largely in foreign countries, and the different cokes, coals and firewoods fluctuate surprisingly. I will read my researches, and I hope you won't scruple to point out to me any little errors that I may have committed either from oversight or ignorance. I will begin, gentlemen, with the income of eighty pounds a year.'
Whereupon the old gentleman, with less compassion than he would have had for brute beasts, delivered himself of all his tedious calculations. As he occasionally gave nine versions of a single income, placing the imaginary person in London, Paris, Bagdad, Spitzbergen, Bassorah, Heligoland, the Scilly Islands, Brighton, Cincinnati, and Nijni-Novgorod, with an appropriate outfit for each locality, it is no wonder that his hearers look back on that evening as the most tiresome they ever spent.
Long before Mr Finsbury had reached Nijni-Novgorod with the income of one hundred and sixty pounds, the company had dwindled and faded away to a few old topers and the bored but affable Watts. There was a constant stream of customers from the outer world, but so soon as they were served they drank their liquor quickly and departed with the utmost celerity for the next public-house.
By the time the young man with two hundred a year was vegetating in the Scilly Islands, Mr Watts was left alone with the economist; and that imaginary person had scarce commenced life at Brighton before the last of his pursuers desisted from the chase.
Mr Finsbury slept soundly after the manifold fatigues of the day. He rose late, and, after a good breakfast, ordered the bill. Then it was that he made a discovery which has been made by many others, both before and since: that it is one thing to order your bill, and another to discharge it. The items were moderate and (what does not always follow) the total small; but, after the most sedulous review of all his pockets, one and nine pence halfpenny appeared to be the total of the old gentleman's available assets. He asked to see Mr Watts.
'Here is a bill on London for eight hundred pounds,' said Mr Finsbury, as that worthy appeared. 'I am afraid, unless you choose to discount it yourself, it may detain me a day or two till I can get it cashed.'
Mr Watts looked at the bill, turned it over, and dogs-eared it with his fingers. 'It will keep you a day or two?' he said, repeating the old man's words. 'You have no other money with you?'
'Some trifling change,' responded Joseph. 'Nothing to speak of.'
'Then you can send it me; I should be pleased to trust you.'
'To tell the truth,' answered the old gentleman, 'I am more than half inclined to stay; I am in need of funds.'
'If a loan of ten shillings would help you, it is at your service,' responded Watts, with eagerness.
'No, I think I would rather stay,' said the old man, 'and get my bill discounted.'
'You shall not stay in my house,' cried Mr Watts. 'This is the last time you shall have a bed at the "Tregonwell Arms".'
'I insist upon remaining,' replied Mr Finsbury, with spirit; 'I remain by Act of Parliament; turn me out if you dare.'
'Then pay your bill,' said Mr Watts.
'Take that,' cried the old man, tossing him the negotiable bill.
'It is not legal tender,' replied Mr Watts. 'You must leave my house at once.'
'You cannot appreciate the contempt I feel for you, Mr Watts,' said the old gentleman, resigning himself to circumstances. 'But you shall feel it in one way: I refuse to pay my bill.'
'I don't care for your bill,' responded Mr Watts. 'What I want is your absence.'
'That you shall have!' said the old gentleman, and, taking up his forage cap as he spoke, he crammed it on his head. 'Perhaps you are too insolent,' he added, 'to inform me of the time of the next London train?'
'It leaves in three-quarters of an hour,' returned the innkeeper with alacrity.