possession of returns from it that exceeded the 
debt some seven-fold, he began to think the old man was alluding to the 
advantages he obtained in the way of credit, and after a little more 
cogitation, he ventured to say as much. 
Again my maternal grandfather indulged in a hearty fit of laughter. 
"Thou art clever in thy way, Tom," he said, "and I like the minuteness 
of thy calculations, for they show an aptitude for trade; but there is 
genius in our calling as well as cleverness. Come hither, boy," he added, 
drawing Tom to a window whence they could see the neighbors on 
their way to church, for it was on a Sunday that my two provident 
progenitors indulged in this moral view of humanity, as best fitted the 
day, "come hither, boy, and thou shalt see some small portion of that 
capital which thou seemest to think hid, stalking abroad by daylight, 
and in the open streets. Here, thou seest the wife of our neighbor, the 
pastry-cook; with what an air she tosses her head and displays the 
bauble thou sold'st her yesterday: well, even that slattern, idle and vain, 
and little worthy of trust as she is, carries about with her a portion of 
my capital!" 
My worthy ancestor stared, for he never knew the other to be guilty of 
so great an indiscretion as to trust a woman whom they both knew 
bought more than her husband was willing to pay for. 
"She gave me a guinea, master, for that which did not cost a seven- 
shilling piece!" 
"She did, indeed, Tom, and it was her vanity that urged her to it. I trade 
upon her folly, younker, and upon that of all mankind; now dost thou 
see with what a capital I carry on affairs? There--there is the maid, 
carrying the idle hussy's patterns in the rear; I drew upon my stock in 
that wench's possession, no later than the last week, for half-a-crown!" 
Tom reflected a long time on these allusions of his provident master, 
and although he understood them about as well as they will be
understood by the owners of half the soft humid eyes and sprouting 
whiskers among my readers, by dint of cogitation he came at last to a 
practical understanding of the subject, which before he was thirty he 
had, to use a French term, pretty well exploite. 
I learn by unquestionable tradition, received also from the mouths of 
his contemporaries, that the opinions of my ancestor underwent some 
material changes between the ages of ten and forty, a circumstance that 
has often led me to reflect that people might do well not to be too 
confident of the principles, during the pliable period of life, when the 
mind, like the tender shoot, is easily bent aside and subjected to the 
action of surrounding causes. 
During the earlier years of the plastic age, my ancestor was observed to 
betray strong feelings of compassion at the sight of charity-children, 
nor was he ever known to pass a child, especially a boy that was still in 
petticoats, who was crying with hunger in the streets, without sharing 
his own crust with him. Indeed, his practice on this head was said to be 
steady and uniform, whenever the rencontre took place after my worthy 
father had had his own sympathies quickened by a good dinner; a fact 
that maybe imputed to a keener sense of the pleasure he was about to 
confer. 
After sixteen, he was known to converse occasionally on the subject of 
politics, a topic on which he came to be both expert and eloquent 
before twenty. His usual theme was justice and the sacred rights of man, 
concerning which he sometimes uttered very pretty sentiments, and 
such as were altogether becoming in one who was at the bottom of the 
great social pot that was then, as now, actively boiling, and where he 
was made to feel most, the heat that kept it in ebullition. I am assured 
that on the subject of taxation, and on that of the wrongs of America 
and Ireland, there were few youths in the parish who could discourse 
with more zeal and unction. About this time, too, he was heard 
shouting "Wilkes and liberty!" in the public streets. 
But, as is the case with all men of rare capacities, there was a 
concentration of powers in the mind of my ancestor, which soon 
brought all his errant sympathies, the mere exuberance of acute and
overflowing feelings, into a proper and useful subjection, centring all in 
the one absorbing and capacious receptacle of self. I do not claim for 
my father any peculiar quality in this respect, for I have often observed 
that many of those who (like giddy-headed horsemen that raise a great 
dust,    
    
		
	
	
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