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ing upon Alfred that what he did for him he did for Lily's sake, and for Lily's sake only.

'If it were not for her, my boy,' he said, “I think I should close on you; for after all, business is business.'

Alfred listened, white and trembling.

'For God's sake,' he said to Lily one day, when David Sheldrake had retired offendedather coldness; the man of the world had been more than usually pressing in his attentions, and Lily had shrunk from them,- for God's sake, Lily, don't offend him! You don't know now good he is ; you don't know what a friend he is to me. If it was not for him, I should

Lily's eyes, fixed in alarm upon his face, stopped him, and he broke off with,

'I am the most miserable wretch in the world! There never was anybody half so miserable or half so unfortunate as I am! There's only one girl in the world who loves me—and that's Lizzie. My own sister, that I would lay down my life for, turns against me.' :

Lily's grief may be imagined. Turn against him! Against the dearest brother that sister ever had! How could she prove the sincerity of her love for him, she asked.

‘By being kind to Mr. Sheldrake,' Alfred answered sullenly; his fears blinded him to the unselfishness of her affection, blinded him to results.

Thus it came about that, on the next occasion Lily and Mr. Sheldrake met, Lily acted a part, and Mr. Sheldrake's wound was healed. Lily received her reward; Alfred kissed her and embraced her, and called her the dearest sister! She found consolation in his bright manner; and although she shed many tears she was careful that Alfred should not witness her pain.

CHAPTER XXXI.
THE SWINDLE WHICH THE LAW PRO-

TECTS KNOWN BY THE TITLE OF
DISCRETIONARY INVESTMENTS.

All Mr. David Sheldrake's calculations were conducted in such a manner as to cause Number One to eclipse all other figures, single or in combination Number One was the only figure in which he took a real interest; the other figures could take care of themselves. He made it his business to look after the humblest of them all, and it is but a fair tribute to his genius to state that he made Number One a brilliant success. It has been shown how cheaply he bought the reputation of being Alfred's sincerest and most generous friend, and how he received back through his agent Con Staveley all the money he lent to Alfred; and in common justice it must be shown how he made Ivy Cottage

the cottage which, out of ostensibly benevolent motives, he had taken for Mr. Musgrave and Lizzie -one of the most profitable speculations in which he had ever invested.

With his eye ever on the main chance (which may be briefly described as Number One, surrounded by a glory) Ivy Cottage became, under his instructions, the secret centre of a system known among sporting men as Discretionary Investments, one of the shallowest swindles of the day, and yet one which has been successful in empty; ing the purses of greedy gulls and filling the purses of needy sharks. No money was received in lvy Cottage, as in the event of discovery the law could punish the receivers. But it being a peculiarity of the British law that in so far 25 it affects racing matters a man may pick his neighbour's pocket in Scotland, but must not do so in Eng land, a garret was taken in Glas

gow, and thither Con Staveley bent ing in large letters that a certain his steps to perform his part in the fortune without the slightest risk Discretionary Investment scheme was within the reach of the hum—which consisted in receiving and blest, and that Messrs. Montague pocketing the money of the gulls. and D'Arcy had conferred an inInnocent readers who are not ac- calculable boon upon the public at quainted with these matters may large by reducing speculation on doubt the statement that a man horse-racing to a means by which may rob in Scotland with impunity; immense sums of money might be but it really is the plain sober realised weekly by a small stake. truth, and it is a proof that what is Fortunes, said these public beneknown as the British Constitution factors, were being daily realised is after all but a patched and rag- by investing in accordance with ged garment, and that notwithstand their Marvellously Lucrative and ing its patches it has many a rent Ever Triumphantly Successful Mein it, which the law (having, as I thod of Turf Speculation. Many have said before, a squint in its gentlemen who never backed a horse eye) cannot or will not see. A day for a shilling held large stakes in before the Millennium it may make the system, as the safety of capital, up its mind to catch a glimpse of and the immense profits that were these-rents, through which rogues weekly realised and promptly paid, laugh and snap their fingers in the rendered it a perfect El Dorado to faces of their dupes.

the fortunate investors. Many of · As it was necessary that the the largest speculators now entirely operations should be conducted in confined their operations to Messrs. secrecy, Ivy Cottage, very soon Montague and D'Arcy's Systematic after its new tenancy, had in it a Investments, and this fact alone Blue Beard's room, to which neither should prove a sufficient induceLizzie nor any of her friends had ment to those who hitherto have the right of entry. The only per- not speculated to join in realising sons who ever entered it were the golden harvest. As, however, Mr. Musgrave and Mr. Sheldrake. sceptics would always be found, There the announcements of the these public benefactors offered new scheme of Discretionary Invest- to forward to those who doubted ments were prepared and launched the most unexceptionable referenupon the world in the names of ces—to noblemen, officers, gentleMessrs. Montague and D'Arcy, men, and tradesmen-as to the marMr. Sheldrake knowing from profit- vellously successful nature of their able experience that high-sounding system, which by its heavy and names were the best bait for gud- never-failing success had fairly geons. Their first public announce- eclipsed and distanced all other ment led the uninitiated to believe modes of speculation. It had the that the firm was an old one, that advantage of combining the two it had been established for many great desiderata of immense and years; but we know differently. ever-increasing profits, combined However, as there is absolutely no with absolute and perfect security such thing as fair dealing among bet- of capital. ting men, this was but of a piece Facts, however, spoke stronger with the rest of the machinery. The than words, hence, in appending circular (of which a copy lies be- the following list of amounts won fore the present writer) issued and last season at a few of the principal advertised by the myths, Montague meetings, the projectors were well and D'Arcy, commenced by declar- satisfied to leave gentlemen to judge

240

1450

740 1020 648 2104

521

for themselves as to the correctness To suit small speculators investof the assertion, that the winnings ments would be taken by Messrs. realised week by week by the in- Montague and D'Arcy as low as vestor, in accordance with this me- five shillings, but the nobility could thod, were far in excess of the forward as high a stake as One amounts that could by any possi- Thousand pounds. At this point bility be realised by any other they stopped, for the line must be mode of investment:

drawn somewhere. They would

not take less than five shillings LAST SEASON'S OPERATIONS.

from each man of moderate means, At Lincoln . . £100 stake won £4840

nor more than One Thousand Liverpool. 25 1 1230 Chester . .

pounds from each nobleman. Newmarket 50

1004 In conclusion, Messrs. MontaBath . .

134 Epsom , .

gue and D'Arcy announced themAscot . .

selves as members of all the WestWindsor

end clubs (without mentioning Goodwood . Doncaster

names), and gave as their bankers Newmarket

325 the Royal Bank of Scotland, and as Liverpool, 10 , ,

their address, the garret in Glasgow Shrewsbury 25 , ... 1203

rented by Con Staveley, where During the whole of the season a clients could send cheques, postloss never occurred. In indubita- office orders, bank-notes, or postage ble proof of which Messrs. Monta- stamps. gue and D'Arcy publicly expressed The advertisements and circulars their willingness to forfeit the sum contained a great deal more than is of ioool. to any investing client at given above, and the most infamous the above-named meetings who did artifices were used to fire the imanot receive the amounts in full, as gination of clerks and apprentices; stated above, or in due proportion for it was really from such unfortunto the amount invested.

ates as these that Mr. Sheldrake and But, pleasant and profitable as his confederate netted the greater were the results of last season's part oftheir large gains. They pointoperations, by which men of the ed out how those who desired to spemost moderate means had obtain- culate might commence in a small ed affluence and wealth, the present way, and creep up gradually, until campaign promised to throw those they became wealthy ; and many magnificent results in the shade. weak men and boys studied the At Newmarket, for instance, the figures, and borrowed, mortgaged. most extraordinary and almost mar- or stole, to make the venture vellous success had attended their which indeed was no venture, but operations in the first three days, a certainty; for it is needless to Tuesday, Wednesday, and Thurs- say that no penny of the money day. They had not had time to sent to the garret in Glasgow ever make out a careful statement, and found its way back. To some excould not do so till Saturday, as tent, a semblance of fair dealing the meeting extended to Friday, was kept up, and where Messrs. but they roughly estimated up to Montague and D'Arcy thought Thursday night, each investor of they saw a chance of the dupe being £500 had realised £7850!

farther duped, they forwarded him

a tabulated statement showing how 50

his money had been invested upon the wrong horses, and how he was in their debt a trifling sum. This

100

325 127

statement was accompanied by a do not recommend Discretionary lithographed letter, detailing how Investments.' 'Fair Play. You all the race-meetings upon which have been swindled.' And many the speculator had not invested had others to the same effect. But they turned out marvellously profitable, continued to open their columns to and how the particular race-meet- the advertising cheats, who, withing upon which he had desired his out this means of publicity, would money to be invested had 'for the find their schemes fall comparafirst time during the past five con- tively fruitless to the ground. secutive seasons turned outa failure.' Said Alfred to David Sheldrake, However, they consoled their un- in the course of conversation, being fortunate client with the assurance artfully led to the subject : that at the race - meeting which “Those discretionary investments would take place next week 'win- seem to be an easy way of making ning was reduced to an absolute money. Did you see the advertisecertainty,' and that as there was ments of Montague and D'Arcy in not the slightest chance of los- the paper this morning ?' ing, they trusted that their client “No,' replied Mr. Sheldrake.

would take their advice, and in- 'Montague and D'Arcy! I fancy vest 251., 5ol., or rool., and realise I have met a Mr. Montague at a few thousands forthwith.' Remain some of the meetings. If it is the ing, his faithfully, Montague and same man, he bets and wins largeD'Arcy. Of course, if more money ly.' were sent, it shared the fate of It must be the same,' cried Althe first ; and notwithstanding the fred. 'Look here,' pulling the paper groans and curses of those who out of his pocket, "a rool, stake were thus robbed in open daylight, realised 1300l. at Newmarket last the ball rolled on right merrily. No week in three days.' one knew that Messrs. Montague “That seems good enough, Alf,' and D'Arcy were identical with was Mr. Sheldrake's comment. .' David Sheldrake and Con Staveley. “If I had 20l. or 301.,' said Alfred, Their faces were never seen in the with an anxious look at Mr. Shel-, transactions, everything being con- drakeducted under seal, and no personal "You'd try your luck with them? interviews on any consideration Well, I see what you're driving at, ever being allowed. And in the Alf. I'll give you a cheque for 2ol., event of some irate clients making made payable to them, and you the name of the firm and their ad- can have a dive. dress notorious, it was the easiest “Ah, you are a friend ! If I win, thing in the world to change their I shall be able to give you a good names and take another garret, per- sum off what I owe you. haps in Edinburgh this time instead ‘All right, my boy,' said Mr. of Glasgow. It is but fair to some Sheldrake heartily, and then drew of the sporting papers in which the cheque and gave it to Alfred, these lying advertisements were in- and two days afterwards received serted for the trapping of appren- it back from Con Staveley in Glastices and others, to state that in gow. their ' Answers to Correspondents' In this and other ways he drew such answers as these appeared the mesh round Lily's brother, unweek after week : 'An Anxious In- til he had the infatuated gambler quirer. They are swindlers.' 'A. Z. completely at his mercy. You should not have trusted your money to them. ‘R. H. C. We

CHAPTER XXXII.

gone-Mr. Sheldrake accompanied

Lily and Alfred home-Mr. MusTHE POLISH JEW.

grave and Lizzie sat up for a little A REMARKABLE change had taken while talking, and he told her how place in Mr. Musgrave, dating al- pleased he was she had made such most from the day on which he took a friend. That night when he went possession of Ivy Cottage. Those to his bedroom, he took from a who had known him when he lived place of concealment two timein his garret and bought gin on honoured friends—to wit, two flat the sly, and who knew him now, bottles, in which he used to carry were amazed at the transforma- away his gin from the public-houses. tion; for it was nothing less. The With these under his arm he stole vice that appeared to have been so down to the garden, and hurled bred in his bone as to be ineradic- them over the wall as far as his able had disappeared. He drank strength would allow him, thus bidno more. Whether he considered ding good-bye to them. On that it was due to his altered position, night, before he retired to rest, he whether it was from gratitude or knelt by his bedside for the first fear, or from whatever other un- time for many, many years, and known cause, it is certain that the thought, if he did not say, a prayer. respectable old man known now as Mr. Sheldrake noticed the change Mr. Musgrave, and the disreputable in him, and commented on it. tippler known some months since “Why, Muzzy,' he said, 'you as old Muzzy, were distinctly dif have grown quite respectable.' ferent types. The change really 'I hope it does not displease you, commenced within the first fortnight sir,' was Mr. Musgrave's reply. of his residence in Ivy Cottage. “No, indeed,' said Mr. Sheldrake; Within this time, Lily and Alfred it is a compliment to me, for I had come by invitation to take tea think I have had something to do with Lizzie and to spend the even with it.' ing with her. The young people 'Yes, sir, you have.' were in good spirits, and Mr. Mus “And you will be the better able grave sat in his corner listening to to attend to the business.' their light-hearted chatting. In the “You shall have no cause to course of the evening Lily sang two complain of my want of attention, or three old-fashioned simple songs, sir.'" and altogether the time was a happy Mr. Sheldrake clapped him on one. Then Mr. Sheldrake dropped the shoulder. in, and what little part Mr. Mus- 'Never too late to mend, eh, old grave had played in the proceed- man ?? ings was over from that moment. 'I hope not, sir.' But when Lily and Alfred were And yet it is to be doubted going home, Mr. Musgrave, with whether Mr. Sheldrake was quite hands that trembled from eager- pleased at this remarkable change ness, held Lily's mantle for her, in his servant. He liked to hold and pressed her hands, and said a power over a man, and if that that she had made him young again, power sprung from a man's weakand that he had spent the happiestness, or even vice, he was all the evening he had spent for years. He more gratified, so long as it did not entreated her to come again, and to affect him. But, however, there it come often, and she said gaily she was. There was no doubt that Mr. intended to, for Lizzie and she were Musgrave was endeavouring to besisters already. When they were come a respectable member of so

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