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who steals your coat, how long will it be before your shirt and trousers will go also? Roger Carbury returned that afternoon to Suffolk, and as he thought of it all throughout the journey, he resolved that he would never forgive Paul Montague if Paul Montague should become his cousinā€™s husband. IX The Great Railway to Vera Cruz

ā€œYou have been a guest in his house. Then, I guess, the thingā€™s about as good as done.ā€ These words were spoken with a fine, sharp, nasal twang by a brilliantly-dressed American gentleman in one of the smartest private rooms of the great railway hotel at Liverpool, and they were addressed to a young Englishman who was sitting opposite to him. Between them there was a table covered with maps, schedules, and printed programmes. The American was smoking a very large cigar, which he kept constantly turning in his mouth, and half of which was inside his teeth. The Englishman had a short pipe. Mr. Hamilton K. Fisker, of the firm of Fisker, Montague, and Montague, was the American, and the Englishman was our friend Paul, the junior member of that firm.

ā€œBut I didnā€™t even speak to him,ā€ said Paul.

ā€œIn commercial affairs that matters nothing. It quite justifies you in introducing me. We are not going to ask your friend to do us a favour. We donā€™t want to borrow money.ā€

ā€œI thought you did.ā€

ā€œIf heā€™ll go in for the thing heā€™d be one of us, and there would be no borrowing then. Heā€™ll join us if heā€™s as clever as they say, because heā€™ll see his way to making a couple of million of dollars out of it. If heā€™d take the trouble to run over and show himself in San Francisco, heā€™d make double that. The moneyed men would go in with him at once, because they know that he understands the game and has got the pluck. A man who has done what he has by financing in Europeā ā€”by George! thereā€™s no limit to what he might do with us. Weā€™re a bigger people than any of you and have more room. We go after bigger things, and donā€™t stand shilly-shally on the brink as you do. But Melmotte pretty nigh beats the best among us. Anyway he should come and try his luck, and he couldnā€™t have a bigger thing or a safer thing than this. Heā€™d see it immediately if I could talk to him for half an hour.ā€

ā€œMr. Fisker,ā€ said Paul mysteriously, ā€œas we are partners, I think I ought to let you know that many people speak very badly of Mr. Melmotteā€™s honesty.ā€

Mr. Fisker smiled gently, turned his cigar twice round in his mouth, and then closed one eye. ā€œThere is always a want of charity,ā€ he said, ā€œwhen a man is successful.ā€

The scheme in question was the grand proposal for a South Central Pacific and Mexican railway, which was to run from the Salt Lake City, thus branching off from the San Francisco and Chicago lineā ā€”and pass down through the fertile lands of New Mexico and Arizona, into the territory of the Mexican Republic, run by the city of Mexico, and come out on the gulf at the port of Vera Cruz. Mr. Fisker admitted at once that it was a great undertaking, acknowledged that the distance might be perhaps something over 2,000 miles, acknowledged that no computation had or perhaps could be made as to the probable cost of the railway; but seemed to think that questions such as these were beside the mark and childish. Melmotte, if he would go into the matter at all, would ask no such questions.

But we must go back a little. Paul Montague had received a telegram from his partner, Hamilton K. Fisker, sent on shore at Queenstown from one of the New York liners, requesting him to meet Fisker at Liverpool immediately. With this request he had felt himself bound to comply. Personally he had disliked Fiskerā ā€”and perhaps not the less so because when in California he had never found himself able to resist the manā€™s good humour, audacity, and cleverness combined. He had found himself talked into agreeing with any project which Mr. Fisker might have in hand. It was altogether against the grain with him, and yet by his own consent, that the flour-mill had been opened at Fiskerville. He trembled for his money and never wished to see Fisker again; but still, when Fisker came to England, he was proud to remember that Fisker was his partner, and he obeyed the order and went down to Liverpool.

If the flour-mill had frightened him, what must the present project have done! Fisker explained that he had come with two objectsā ā€”first to ask the consent of the English partner to the proposed change in their business, and secondly to obtain the cooperation of English capitalists. The proposed change in the business meant simply the entire sale of the establishment at Fiskerville, and the absorption of the whole capital in the work of getting up the railway. ā€œIf you could realise all the money it wouldnā€™t make a mile of the railway,ā€ said Paul. Mr. Fisker laughed at him. The object of Fisker, Montague, and Montague was not to make a railway to Vera Cruz, but to float a company. Paul thought that Mr. Fisker seemed to be indifferent whether the railway should ever be constructed or not. It was clearly his idea that fortunes were to be made out of the concern before a spadeful of earth had been moved. If brilliantly printed programmes might avail anything, with gorgeous maps, and beautiful little pictures of trains running into tunnels beneath snowy mountains and coming out of them on the margin of sunlit lakes, Mr. Fisker had certainly done much. But Paul, when he saw all these pretty things, could not keep his mind from thinking whence had come the money to pay for them. Mr. Fisker had declared that he had come over to obtain his partnerā€™s consent, but it seemed

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