The success of that first evening’s play had not been repeated: in fact, upon the occasion of his second visit to the discreet house in Pall Mall he had been a substantial loser, and had been obliged to acknowledge that there might have been some truth in Mr. Scunthorpe’s dark warning. He was quite shrewd enough to realize that he had been a pigeon amongst hawks, but he was inclined to think that the experience would prove of immense value to him, since he was not one to be twice caught with the same lure. Playing billiards with Mr. Scunthorpe at the Royal Saloon, he was approached by an affable Irishman, who applauded his play, offered to set him a main or two, or to accompany him to a snug little ken where a penchant for faro, or rouge-et-noir could be enjoyed. It was quite unnecessary for Mr. Scunthorpe to whisper in his ear that this was a nibble from an ivory-turner: Bertram had no intention of going with the plausible Irishman, had scented a decoy the moment he saw him, and was very well-pleased with himself for being no longer a flat, but, on the contrary, a damned knowing one. A pleasantly convivial evening at Mr. Scunthorpe’s lodging, with several rubbers of whist to follow an excellent dinner, convinced him that he had a natural aptitude for cards, a belief that was by no means shaken by the vicissitudes of fortune which followed this initiation. It would be foolish, of course, to frequent gaming-hells, but once a man had made friends in town there were plenty of unexceptionable places where he could enjoy every form of gaming, from whist to roulette. On the whole, he rather thought he was lucky at the tables. He was quite sure that he was lucky on the Turf, for he had several very good days. It began to be a regular habit with him to look in at Tattersall’s, to watch how the sporting men bet their money there, and sometimes to copy them, in his modest way, or at others to back his own choice. When he became intimate with Chuffy Wivenhoe, he accompanied him often, either to advise him on the purchase of a prad, to watch some ruined man’s breakdown being sold, or to lay out his blunt on a forthcoming race. Once he had fallen into the way of going with Wivenhoe it was impossible to resist spending a guinea for the privilege of being made free of the subscription-room; and once the very safe man whom his lordship patronized saw the company he kept it was no longer necessary for him to do more than record his bets, just as the Bloods did, and wait for settling-day either to receive his gains, or to pay his losses. It was all so pleasant, and every day was so full of excitement, that it went to his head, and if he was sometimes seized by panic, and felt himself to be careering along at a pace he could no longer control, such frightening moments could not endure when Chuffy was summoning him to come and try the paces of a capital goer, or Jack Carnaby carrying him off to the theatre, or the Five-courts, or the Daffy Club. None of his new friends seemed to allow pecuniary considerations to trouble them, and since they all appeared to be constantly on the brink of ruin, and yet contrived, by some fortunate bet, or throw of the dice, to come about again, he began to fall insensibly into the same way of life, and to think that it was rustic to treat a temporary insolvency as more than a matter for jest. It did not occur to him that the tradesmen who apparently gave Wivenhoe and Scunthorpe unlimited credit would not extend the same consideration to a young man whose circumstances were unknown to them. The first hint he received of the different light in which he was regarded came in the form of a horrifying bill from Mr. Swindon. He could not believe at first that he could possibly have spent so much money on two suits of clothes and an overcoat, but there did not seem to be any disputing Mr. Swindon’s figures. He asked Mr. Scunthorpe, in an airy way, what he did if he could not meet his tailor’s account. Mr. Scunthorpe replied simply that he instantly ordered a new rig-out, but however much Bertram had been swept off his feet he retained enough native shrewdness to know that this expedient would not answer in his case. He tried to get rid of a very unpleasant feeling at the pit of his stomach by telling himself that no tailor expected to be paid immediately, but Mr. Swindon did not seem to be conversant with this rule. After a week he presented his bill a second time, accompanied by a courteous letter indicating that he would be much obliged by an early settlement of his account. And then, as though they had been in collusion with Mr. Swindon, other tradesmen began to send in their bills, so that in less than no time one of the drawers in the dressing-table in Bertram’s bedroom was stuffed with them. He managed to pay some of them, which made him feel much easier, but just as he was convincing himself that with the aid of a judicious bet, or a short run of luck, he would be able to clear himself from debt altogether, a polite but implacable gentleman called to see him, waited a good hour for him to come in from a ride in the Park, and then presented him with a bill which he said he knew had been overlooked. Bertram managed to get rid of him, but only by giving him some money on account, which he could ill-spare, and after an argument which he suspected was being listened to by the waiter hovering round the coffee-room door. This fear was shortly confirmed by the landlord’s sending up his account with the Red Lion next morning. Matters were becoming desperate, and only one way of averting disaster suggested itself to Bertram. It was all very well for Mr. Scunthorpe to advise against racing and gaming: what Mr. Scunthorpe did not understand was that merely to abstain from these pastimes would in no way solve the difficulty. If Mr. Scunthorpe found himself at Point Non Plus he had trustees who, however much they might rate him, would certainly come to his rescue. It was quite unthinkable that Bertram should appeal to his father for assistance: he would rather, he thought, cut his throat, for not only did the very thought of laying such a collection of bills before the Vicar appal him, but he knew very well that the settlement of them must seriously embarrass his father. Nor would it any longer be of any use to sell his watch, or that seal he had bought, or the fob that hung beside him from his waistband: in some inexplicable way his expenses seemed to have been growing ever larger since he had begun to frequent the company of men of fashion. A vague, and rather dubious notion of visiting a moneylender was vetoed by Mr. Scunthorpe, who told him that since the penalties attached to the lending of money at interest to minors were severe, not even Jew King could be induced to advance the smallest sum to a distressed client under age. He added that he had once tried that himself, but that the cents-per-cent were all as sharp as needles, and seemed to smell out a fellow’s age the moment they clapped eyes on him. He was concerned, though not surprised, to learn of Bertram’s having got into Queer Street, and had the quarter not been so far advanced that he himself was at a standstill, he would undoubtedly have offered his friend instant relief, for he was one, his intimates asserted, who dropped his blunt like a generous fellow. Unfortunately he had no blunt to drop, and knew from past experience that an application to his trustees would result in nothing but unfeeling advice to him to rusticate at his house in Berkshire, where his Mama would welcome him with open arms. To do him justice, Bertram would have been exceedingly reluctant to have accepted pecuniary assistance from any of his friends, since he saw no prospect, once he had returned to Yorkshire, of being able to reimburse them. There was only one way of getting clear, and that was the way of the Turf and Table. He knew it to be hazardous, but as he could not see that it was possible for him to be in a worse case than he was already, it was worth the risk. Once he had paid his debts he rather thought that he should bring his visit to London to an end, for although he had enjoyed certain aspects of it enormously, he by no means enjoyed insolvency, and was beginning to realize that to stand continually to the edge of a financial precipice would very soon reduce him to a nervous wreck. An interview with a creditor who was not polite at all, but, on the contrary, extremely threatening, had shaken him badly: unless he made a speedy recovery it could only be a matter of days before the tipstaffs would be on his heels, even as Mr. Scunthorpe had prophesied.

It was at this stage in his career that two circumstances occurred which seemed to hold out hopes of delivery. A fortunate evening playing faro for modest stakes encouraged him to think that his luck had turned again; and Chuffy Wivenhoe, earwigged by a jockey at Tattersall’s, passed on to him the name of the certain bet thus disclosed. It really seemed as though Providence was at last aiding Bertram. It would be madness not to bet a substantial amount on the horse, for if it won he would have solved all his difficulties at one blow, and would have enough money left over to pay for his fare back to Yorkshire on the stage-coach. When Wivenhoe laid his own bet, he followed suit, and tried not to think of the predicament he would be in on settling-day if that infallible jockey had for once in his life been mistaken in his judgment.

“I’ll tell you what, Bertram,” said Wivenhoe, as they strolled out of the subscription-room together, “if you should care for it, I’ll take you along with me to the Nonesuch Club tonight: all the go, y’know, and devilish exclusive, but they’ll let you in if you come with me.”

“What is it?” Bertram asked.

“Oh, faro and hazard, for the most part! It was started by some of the great guns only this year, because Watier’s is becoming damned flat: they say it won’t last much longer—never been the same since Brummell had to run for it! The Nonesuch is devilish good sport, I can tell you. There ain’t many rules, for one thing, and though most of the men bet pretty heavily, the patrons fixed the minimum stake at twenty guineas, and there’s only one faro-table. What’s more, it ain’t a shabby business enterprise, like half the gaming-clubs, and if you want to play hazard you appoint the croupier from amongst your set, and someone will always volunteer to call the odds. None of these paid croupiers and groom-porters, which made the Great Go more like a hotel than a social club. The whole idea is to make it a friendly affair, keep out the scaff and raff, and do away with all the rules and regulations which get to be such a dead bore! For instance, there’s no damned syndicate running the faro-bank: they take it in turns, the well-breeched swells, like Beaumaris, and Long Wellesley Pole, and Golden Ball, and Petersham, and the rest of that set. Oh, it’s the Pink of the Mode, I can tell you—top-of-the-trees!”

“I’d like to go with you,” Bertram said, “only—Well, the fact is I’m none too plump in the pocket just now! Had a shocking run of luck!”

“Oh, no need to fret over that!” said his insouciant friend. “I keep telling you it ain’t like Watier’s! No one cares whether you bet twenty guineas or a hundred! You come; a man’s luck is bound to change if he sticks to it—one of the things my governor told me, and he should know!”

Bertram was undecided, but since he was already engaged to dine at Long’s Hotel with Lord Wivenhoe there was no need for him to return a definite answer to the invitation until he had thought it over rather more carefully. His lordship said that he should depend upon him, and there the matter for the moment rested.

It was not to be supposed that Bertram’s protracted sojourn in London was causing his sister no anxiety. Arabella was very anxious indeed, for although she was not taken into his confidence she could not doubt, from his appearance, that he was spending money far more lavishly than the winning of a hundred pounds in a lottery justified him in doing. She seldom set eyes on him, and when they did meet she could not think that he was looking well. Late nights, unaccustomed potations, and worry, were taking their toll. But when she told him that he was looking fagged to death, and implored him to return to Yorkshire, he was able to retort with a good deal of truth that she was not particularly blooming herself. It was true. Her bright colour had faded a little, and her eyes had begun to seem a trifle large for her face, etched in, as they were, with shadows. Lord Bridlington, observing this, ascribed it to the absurd exigencies of a London season, and moralized on the folly of females with social ambitions. His mother, who had not failed to take note of the fact that her charge was no longer driving in the Park so frequently with Mr. Beaumaris, and had developed a habit of evading his visits to the house, drew more correct conclusions, but failed signally to induce Arabella to confide in her. Whatever Frederick chose to say, Lady Bridlington was by this time convinced that the Nonpareil was very much in earnest, and she could not imagine what could be holding Arabella back from encouraging his advances. Divining that her reasons would be quite inexplicable to the good lady, Arabella preferred to keep her own counsel.