In that part of London called “the City” are shady little streets, that look like pleasant retreats from the busy, noisy world; yet are strongholds of business.

One of these contained, and perhaps still contains, a public office full of secrets, some droll, some sad, some terrible. The building had a narrow, insignificant front, but was of great depth, and its south side lighted by large bay windows all stone and plate-glass; and these were open to the sun and air, thanks to a singular neighbor. Here, in the heart of the City, was wedged a little rustic church, with its church-yard, whose bright-green grass first startled, then soothed and refreshed the eye, in that wilderness of stone—an emerald set in granite. The grass flowed up to the south wall of the “office;” those massive stone windows hung over the graves; the plumed clerks could not look out of window and doubt that all men are mortal: and the article the office sold was immortality.

It was the Gosshawk Life Insurance.

On a certain afternoon anterior to the Hillsborough scenes last presented, the plumed clerks were all at the south windows, looking at a funeral in the little church-yard, and passing some curious remarks; for know that the deceased was insured in the Gosshawk for nine hundred pounds, and had paid but one premium.

The facts, as far as known, were these. Mr. Richard Martin, a Londoner by birth, but residing in Wales, went up to London to visit his brother. Toward the end of the visit the two Martins went up the river in a boat, with three more friends, and dined at Richmond. They rowed back in the cool of the evening. At starting they were merely jovial; but they stopped at nearly all the public-houses by the water-side, and, by visible gradations, became jolly—uproarious—sang songs—caught crabs. At Vauxhall they got a friendly warning, and laughed at it: under Southwark bridge they ran against an abutment, and were upset in a moment: it was now dusk, and, according to their own account, they all lost sight of each other in the water. One swam ashore in Middlesex, another in Surrey, a third got to the chains of a barge, and was taken up much exhausted, and Robert Martin laid hold of the buttress itself, and cried loudly for assistance. They asked anxiously after each other, but their anxiety appeared to subside in an hour or two, when they found there was nobody missing but Richard Martin. Robert told the police it was all right, Dick could swim like a cork. However, next morning he came with a sorrowful face to say his brother had not reappeared, and begged them to drag the river. This was done, and a body found, which the survivors and Mrs. Richard Martin disowned.

The insurance office was informed, and looked into the matter; and Mrs. Martin told their agent, with a flood of tears, she believed her husband had taken that opportunity to desert her, and was not drowned at all. Of course this went to the office directly.

But a fortnight afterward a body was found in the water down at Woolwich, entangled in some rushes by the water-side.

Notice was given to all the survivors.

The friends of Robert Martin came, and said the clothes resembled those worn by Richard Martin; but beyond that they could not be positive.

But, when the wife came, she recognized the body at once.

The brother agreed with her, but, on account of the bloated and discolored condition of the face, asked to have the teeth examined: his poor brother, he said, had a front tooth broken short in two. This broken tooth was soon found; also a pencil-case, and a key, in the pocket of the deceased. These completed the identification.

Up to this moment the conduct of Richard Martin's relatives and friends had been singularly apathetic; but now all was changed; they broke into loud lamentations, and he became the best of husbands, best of men: his lightest words were sacred. Robert Martin now remembered that “poor Dick” had stood and looked into that little church-yard and said, “If you outlive me, Bob, bury me in this spot; father lies here.” So Robert Martin went to the church-warden, for leave to do this last sad office. The church-warden refused, very properly, but the brother's entreaties, the widow's tears, the tragedy itself, and other influences, extorted at last a reluctant consent, coupled with certain sanatory conditions.

The funeral was conducted unobtrusively, and the grave dug out of sight of Gosshawk. But of course it could not long escape observation; that is to say, it was seen by the clerks; but the directors and manager were all seated round a great table upstairs absorbed in a vital question, viz., whether or not the Gosshawk should imitate some other companies, and insure against fire as well as death. It was the third and last discussion; the minority against this new operation was small, but obstinate and warm, and the majority so absorbed in bringing them to reason, that nobody went to the window until the vote had passed, and the Gosshawk was a Life and Fire Insurance. Then some of the gentlemen rose and stretched their legs, and detected the lugubrious enormity. “Hallo!” cried Mr. Carden, and rang a bell. Edwards, an old clerk, appeared, and, in reply to Mr. Carden, told him it was one of their losses being buried—Richard Martin.

Mr. Carden said this was an insult to the office, and sent Edwards out to remonstrate.

Edwards soon reappeared with Robert Martin, who represented, with the utmost humility, that it was the wish of the deceased, and they had buried him, as ordered, in three feet of charcoal.

“What, is the ceremony performed?”

“Yes, sir, all but filling in the grave. Come and see the charcoal.”

“Hang the charcoal!”

“Well,” said the humane but somewhat pompous director, “if the ceremony has gone so far—but, Mr. Martin, this must never recur, charcoal or no charcoal.”

Mr. Martin promised it never should: and was soon after observed in the church-yard urging expedition.

The sad company speedily dispersed, and left nothing to offend nor disgust the Life and Fire Insurance, except a new grave, and a debt of nine hundred pounds to the heirs or assigns of Richard Martin.

Not very far from this church-yard was a public-house; and in that public-house a small parlor upstairs, and in that parlor a man, who watched the funeral rites with great interest; but not in a becoming spirit; for his eyes twinkled with the intensest merriment all the time, and at each fresh stage of the mournful business he burst into peals of laughter. Never was any man so thoroughly amused in the City before, at all events in business hours.

Richard Martin's executor waited a decent time, and then presented his claim to the Gosshawk. His brother proved a lien on it for L300 and the rest went by will to his wife. The Gosshawk paid the money after the delay accorded by law.