THE history of the house of Bendibow & Son—or of Bendibow Brothers, as it came to be called—was broadly the history of the eighteenth century in England. Persons who deal in money are apt to come into relation with most of the prominent characters and events of their time, and Bendibow Brothers dealt in that commodity very extensively. The thirty years covered by the reign of George the Second was a picturesque and brilliant period. Famous personages were to be met everywhere—in London, Epsom, Bath, Tunbridge and Scarborough: York, too, was a fashionable place in those days; Shrewsbury was full of merry-making, and Newmarket attracted other people beside professed lovers of the turf. Congreve was living out the last years of his life, and Mrs. Bracegirdle was still acting his plays, when the second representative of the Brunswick line came to the throne. Addison had died a few years previously, Steele a year or two afterward; Pope, Swift, Fielding and Defoe were all in full cry and condition. Lord Bathurst was in mid-career as patron of literary celebrities, and the fascinating and romantic Earl of Peterborough was losing his heart to the sweet voice and face of Anastasia Robinson. Hogarth and Kneller were in existence, and Arbuthnot was witty and wise. Handsome Tom Grantley, destined to become one of the foremost men of fashion and intrigue of his time, was in 1732 a little squalling baby in the south of Ireland. George the First had created the earldom of Seabridge upward of fifteen years before, in consequence of assistance rendered to him by the then head of the family during the Rebellion; and it was at about the same date that Mary Lancaster, niece of Lord Croftus, first saw the light—she who was afterward to unite the two families by her marriage with the second Earl of Seabridge. Meanwhile Mary Bellenden was esteemed the loveliest, and Mary Wortley Montague the cleverest of living women. As time went on, and the century approached its middle age, Garrick began to act in London; Beau Nash, superb, autocratic and imperturbable, ruled the roast at Bath; Horace Walpole embroidered society with the brilliance of his affected and sentimental persiflage; Smollet hobnobbed with Quin, and the Great Commoner stalked about, glaring out appallingly from the jungle of his shaggy wig. Amusement was the religion of the age, and recklessness was its morality. It was the apotheosis of card playing; literature was not good form; cards and men formed the library of the Duchess of Marlborough. What are now termed the mental resources of civilization, being as yet unknown, life was so conducted as to become a constant variety and succession of condiments. Criminals were made to minister to the general entertainment by being drawn and quartered, as well as beheaded and hanged; gentlemen pistoled and skewered one another instead of being contented with calling each other names, and sueing for damages and defamation. Tempers were hot, hearts were bold, and conversation was loose on all sides. Wine was cheap, tea was dear, gluttony and drunkenness were anything but improper. The country folks were no less energetic on their own scale. They romped and shouted at village fairs and wakes; they belabored one another scientifically with cudgels; half-naked women ran races and jumped hurdles; Maypoles were hoisted on every green; and the disaffected rode out on the king’s highway with masks and pistols. Love-making, with persons of condition at least, was a matter less of hearts than of fortunes and phases: it was etiquette for everybody in small clothes to languish at the feet of everybody in petticoats. The externals of life were sumptuous and splendid, because no time and trouble were wasted upon internals. An element of savagery and brutality pervaded all classes, high and low, without which the game could not have been kept up with such unflagging plausibility and zeal.

But all this fun had to be fed with money, or at all events with credit; and Bendibow Brothers were always prepared, on proper security, to furnish either; wherefore a great portion of this gorgeous procession passed through their dingy office in the city, on its way to or from its debaucheries. And since the brethren (following the injunctions of their long-headed founder) aimed no less at social distinction than at the wealth which should render that distinction profitable, they frequently saw their way to accept, from certain of their customers, interest payable otherwise than in hard cash. An introduction to Lord Croftus’s drawing-room, for example, might be cheaply purchased for an advance of a thousand pounds; a sinecure post in the army for a junior member of the firm, or a foreign order for the senior, would be worth three or four times as much; while, for the hand of a daughter of the junior branch of a titled family, twenty or thirty thousand pounds down would be considered a profitable transaction. Worldly wisdom and foresight, in short, formed as important a part of the Bendibow policy as direct and literal pecuniary returns. Indeed, it was upon the profit of their innumerable small transactions that they relied for the bulk of their material wealth: with the great and haughty their dealings were uniformly liberal and dignified. The consequence was, that when the Jacobite rebellion broke out, the Government accepted a substantial loan from Bendibow Brothers, as being not only the richest but the most loyal and respectable firm of bankers in England. Mr. Joseph Bendibow, one of the partners, was, for some unexplained reason, “promoted” to the rank of colonel in the regular army; and five years later the head of the family was raised to the baronetage. Hereupon a constituency was purchased at a not too exorbitant rate, and—the Bendibows having long since abandoned their Jewish proclivities, and presented themselves to the world as immaculate Protestant Christians—for the remainder of their career the descendants of the obscure Hebrew goldsmith and money-lender were numbered among the law-givers of their country and trusty advisers of the Crown.

It was an honorable position, patiently tried for and cleverly won. None of the Bendibows, since the time of Abraham, their progenitor, had been in any sense men of genius; but, on the other hand, none of them had been destitute of common sense, prudence, steadiness, suppleness, and persistency; and they had also possessed—what perhaps was of more value to them than any of their native virtues—a private family bible, in the shape of the book of rules, written and bequeathed to them by the patriarch above mentioned. It would be interesting, and possibly edifying, to review the contents of this work. No doubt it was brimming over with human astuteness; and might be described as a translation into eighteenth-century ideas and language of the mystic injunctions of the old alchemists in reference to the Philosopher’s Stone. Be that as it may, the book went far toward achieving the end for which it was composed; and if the Bendibows were as yet not quite a hundredfold millionaires and peers of the realm, they seemed fairly on their way to be so. To that consummation the brethren themselves looked forward with justifiable confidence. Nevertheless, looking at their whole history from the vantage-ground of our own century, we can see that the accession of George the Third was the period of their actual apogee.

It was about that time that Francis Bendibow was born—he whose genius almost equaled that of Abraham, and who, indeed, carried the reputation of the bank to a point higher than any which it had before attained. But reputation does not always, nor in the long run, mean prosperity; and Sir Francis Bendibow, along with his genius, perhaps possessed some qualities which, under pressure of circumstances, were capable of doing mischief. But that shall be enlarged upon in its proper place.

Society was now becoming more intellectual, more civilized, and more depraved. That abstruse idea, which is covered by the phrase “Fine Gentleman,” now received its most complete embodiment. It was a patrician era, but also an era in which genius, of whatever kind, could force men and women from obscurity to the light. The youthful Sheridan was making a good impression at Bath by his fine figure, hearty face, and manly and unaffected bearing, even before the “Rivals” and the “School for Scandal” had been written; and he and his fellow-countryman, Tom Grantley—though the latter was more than fifteen years his senior—were on the most cordial terms; and it was said at the time that Grantley was of assistance to Sheridan in that gentleman’s elopement with the beautiful Miss Linley. Fox, with others of his kidney, were setting the fashion of colossal gambling as a means of working off their superfluous nervous vitality and the estates of their ancestors; Whattier’s and White’s, Brookes’s and Raffett’s saw such sights as will never come again; statesmen and macaronis, parsons and opera-dancers, soldiers and play-writers, fine ladies and fine females, all, according to their several natures and capacities, took the most serious interest in cock-fighting, rat-hunting, singing and dancing, betting, dicing, antique statues and old pictures, divorce and atheism. But, as the century culminated, war, and the armies which fought it, overtopped all other interests; political opinions, or professions of opinion, were at the acme of vehemence; furious pamphlets fluttered on all sides; Dibdin wrote songs to encourage Nelson’s sailors; Wilkes was synonymous with liberty; and King George, believing himself the father of his people, spent his long life in doing them all the harm in his power. And all this, too, required money, and more money than ever; and Bendibow Brothers were more than ever mixed up in it—more, indeed, than was at that time suspected; for Francis Bendibow had begun to show what was in him; and his suggestions and enterprises had begun first to astound, then to dazzle and fascinate his more methodical and humdrum partners, until it seemed likely that he might take upon himself to edit a new and improved edition of the private family bible. In truth, he was a very brilliant and popular gentleman, whom everybody knew, and whom nobody who was anybody disliked. He was the confidant of as many social secrets as a fashionable physician or lawyer, and knew more about political intrigues than any other man out of the Cabinet. It was a marvel how well, considering the weight of his multifarious responsibilities, he managed to preserve his aspect of gayety and good nature. But it often happens that precisely those persons who have most to conceal, and who deal most in mysteries, appear, in the careless eyes of their contemporaries, more frank and undisguised than anybody else. Sir Francis Bendibow, be it repeated, was a general favorite of society, as well as a special favorite of fortune; and somewhere about 1790 he confirmed his successes by allying himself with the Barons Croftus by marriage with a daughter of the then lord.

From that time forward the affairs of Bendibow Brothers went on with much ostensible smoothness and good fortune, though whether anything less serene and comfortable lay hidden beneath this fair surface, is a question the answer to which must for the moment be reserved. One or two events only need to be mentioned, in order to bring us down to the epoch at which this story properly begins. Tom Grantley, who throughout his career had always been an ample customer of the Bendibows, and who, like so many others, had insensibly allowed his business relations with them to develop into social intercourse, had, in 1771, placed his son Charles, then a boy of fifteen, in the bank in the capacity of clerk, with the understanding that he was afterward to be admitted to partnership, should he turn out to be qualified for that position. This was a good thing for Charles, in a pecuniary point of view, and his abilities, which were always remarkable, made it likely that his career would be a successful one. As for the social aspects of the affair, the Bendibows were perhaps greater gainers than Grantley, since Charles had the noble Seabridge blood in his veins. But Charles’ father, though aristocratic and imperious enough in his own practice, was theoretically liberal and even republican in his views; and possibly he was not sorry to requite the neglect which his wife’s family had shown him by embarking the grandson of the earl in a mercantile life. Charles, for his own part, was actually what his father was only in idea; that is to say, he sympathized with the enlightened and revolutionary spirit that was abroad, and which was taking palpable form in the American colonies and in France. He rebelled against the claims of caste, and, before he was twenty-one, was pretty well known as a social reformer and radical. This, of itself, would not have impaired the social popularity of one who could call an earl his kinsman; not only because extreme opinions were in those days considered rather interesting and amusing than otherwise, but because then, as at all times, a man may be or say anything he pleases, provided he will be or say it in a sufficiently graceful or skillful manner. But Charles, unfortunately, was as abrupt, unconciliating and dogmatic in his manner as he was startling and unconventional in his views. He was not only able to utter disagreeable and embarrassing truths at inconvenient moments, but he seemed actually fond of doing so; and, since he was not more prepossessing in person than adroit in behavior, society for the most part ended by giving him up as a bad job. “Charles would be very well, if he wasn’t so damned sincere,” was one of the least uncharitable judgments that those who were willing to be his friends pronounced upon him. Charles meanwhile seemed to take the situation very composedly. The social intercourse which was not to be had in fashionable drawing-rooms and coffee-houses he sought and found elsewhere—among literary men, perhaps, or others still lower in the social scale. In his chosen circle—whatever it was—he was eminent and influential. Every one respected him; many feared him a little; a few liked him heartily, or even loved him. He was of a fiery, warlike temperament, and nothing could daunt him or dishearten him. He was proud and sensitive beyond what seemed reasonable; but those who knew him well said he was full of tenderness and generosity, and that a more affectionate and self-sacrificing man never lived. Perhaps neither his friends nor his foes entirely understood him. One thing about him, at all events, no one understood, and that was how he and Francis Bendibow came to be such friends. The two young men were, it is true, nearly of the same age; their business interests were identical; and much of their time must of necessity be passed in each other’s neighborhood. But no amount of external association together will of itself suffice to make new friends: it is quite as apt to have an opposite effect. It was plain to the most careless glance that Charles and Francis were in disposition and temperament as wide asunder as the poles: and—the affairs of the bank aside—Francis was devoted to all those objects and interests for which Charles cared nothing, or less. Nevertheless, there was the fact, account for it how you will. Charles was devoted to Francis; resented any disparagement of him; and did, upon occasion, even go so far as to espouse the side of his friend in argument against the side of which he himself was the representative—for Francis’ logic was sometimes faulty, and his faculty of seeing all the best points in his own cause was not always infallible. Whether Francis’ friendship for Charles was quite so ardent and thorough as Charles’ for him may be doubted. Men who are universally friendly and popular seldom rise to the height of a vehement individual preference. But there is little doubt that he was impressed by Charles’ affection, that he reciprocated it as far as in him lay, and that, although he was wont to affect a good-humored air of patronizing his friend, chaffing him, and laughing at the intensity and seriousness of his convictions, he in reality deferred to Charles’ judgment and recognized his personal force and capacity. “We could never get on without old Charles,” was a saying often in his mouth. And when Charles fell in love with Francis’ sister, Ruth Bendibow, Francis was a hearty supporter of the match. The marriage took place when Charles was in his thirty-first year—Tom Grantley having died upward of ten years before. The following year a daughter was born, and her name was called Perdita.

When Perdita was about six years old, a mysterious calamity occurred. Society wondered, guessed, and speculated, but never found out the whole truth of the affair. All that was certain was, that Charles Grantley suddenly disappeared from London, leaving his wife and daughter behind him. There was a rumor that he had also left behind him a letter, addressed to Sir Francis Bendibow, begging him to look after the welfare of his family, whom he could not ask to share with him his exile and disgrace. What, then, was this disgrace? Sir Francis, when interrogated on the subject, preserved a melancholy and dignified silence. It was surmised that he would not accuse his friend, and he could not defend him. But had Charles Grantley, whom all the world had taken to be at least the soul of honesty and honor—could he have been guilty of a dishonest or dishonorable action? Well, human nature is weak, and the best and strongest of men have their unaccountable moments of frailty. Grantley, no doubt, had been exposed to temptation. He had for some time past been admitted a full partner in the firm; and it was known that he had latterly been building and furnishing an expensive house. Moreover, he was believed to be a member of more than one secret society; and he had perhaps been induced or compelled to advance large contributions toward their support. The coffers of the bank were open to him.... Why rehearse again a story so often told? Enough that Charles Grantley vanished from the world that knew him, and that no news ever came to tell whither he had gone. It was only charitable to suppose that he did not long survive the disgrace into which he had plunged himself.

His wife died some years after his disappearance; not of a broken heart—for she had never cherished any very vital affection for her husband, and always seemed angry rather than grieved at the calamity—but from an acute attack of bilious fever. She was a beautiful and talented woman, but probably was not without certain blemishes of head or heart. Perdita was thus left—so far as could be known—an orphan. Sir Francis Bendibow, amidst general applause, formally adopted her. Certainly, to accept as your own the daughter of the man who has defrauded you, especially when that man happens to be your brother-in-law, shows a rare magnanimity. Perdita was brought up as befitted a young lady liable to hold a good position in society. For obvious reasons she was allowed to forget her unhappy father, and encouraged to regard herself as the actual offspring of her benevolent guardian. The girl throve passing well—more than fulfilling her early promise of beauty and grace. She, moreover, gave signs of possessing a strongly-marked character, hard, subtle and persistent; but, as the crudity of girlhood passed away, those harsher lineaments ceased to obtrude themselves—the young lady’s own sense of harmony doubtless prompting her to disguise them beneath a soft and seductive exterior; and she was by nature luxurious, and had the instinct of equipping herself cap-a-pie from the mystic arsenal of voluptuous artifice to which only such women have the key. Her debut in society was very effective, and she took all the other women’s admirers away from them. But her own heart seemed to remain unimpaired; and, on the other hand, there was a lack of really desirable offers of marriage; for it was thought, not unreasonably, that Perdita ought to make a great match—say an earl at the least. But the earls hung back; perhaps it was the still lingering shadow of her unfortunate parent that disqualified her. Here, however, fortune who, save for that one ill turn, was in love with Perdita almost to the end of her career, brought into the field an elderly and extremely wealthy foreign personage, who succumbed to the young lady’s fascinations at their first interview, made her an offer of his cordial and worldly effects on the following week, and was made the happiest of men in making her his wife by the end of the month. Perdita, for some unexplained reason, received little more than a bare outfit from her affectionate uncle and foster-father; but there were unexceptionable settlements on the part of her husband; and she accompanied the latter to the continent with Éclat and a brilliant future before her—being still in her nineteenth year, while her husband was at least sixty, with an impaired constitution. Whether the issue of the affair was as prosperous as it bade fair to be Sir Francis Bendibow was not informed; for his adopted daughter had never since her departure troubled him with any letters or messages. For all he knew, she might be in the New World, or even in the next. The worthy baronet consoled himself for this neglect as best he might by lavishing attention upon the rearing and education of his only bona-fide child, a sickly and rather unpromising son. The result of the education was, that the young gentleman was allowed pretty much his own way; and, like other men before him who have steered in the same direction, he arrived at nothing particularly edifying. Sir Francis spoilt him, in short; and the youth was not one of those who can stand much spoiling. He could fight a cock, throw a main, hunt a rat, drive a horse, and upon occasion—as we have seen—could upset a coach. Perhaps, when the time came, he would be able to carry on the business of the great house of Bendibow Brothers; but it must be confessed that just at present probabilities looked the other way. It was not merely that young Mr. Thomas Bendibow had no practical knowledge of business; but that he had no brothers, nor even any cousins; that he was in fact the last of his family; and looked, at twenty, as if he hardly had pith in him to outlive his father, who was sixty-two; so that good Sir Francis, sitting day after day in his little private room at the rear of the banking premises, may be supposed to have found some elements of concern and anxiety mingling with the general complacency of his reflections. Surely he did not deserve to be the prey of such solicitude. He had long since forgotten the follies and vanities of his golden youth, and had settled down to be one of the handsomest, kindliest, courtliest, most immaculate elderly baronets imaginable.