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<h2> CHAPTER 1 </h2>
<h3> Introduces all the Rest </h3>
<p>There once lived, in a sequestered part of the county of Devonshire, one
Mr Godfrey Nickleby: a worthy gentleman, who, taking it into his head
rather late in life that he must get married, and not being young enough
or rich enough to aspire to the hand of a lady of fortune, had wedded an
old flame out of mere attachment, who in her turn had taken him for the
same reason. Thus two people who cannot afford to play cards for money,
sometimes sit down to a quiet game for love.</p>
<p>Some ill-conditioned persons who sneer at the life-matrimonial, may
perhaps suggest, in this place, that the good couple would be better
likened to two principals in a sparring match, who, when fortune is low
and backers scarce, will chivalrously set to, for the mere pleasure of the
buffeting; and in one respect indeed this comparison would hold good; for,
as the adventurous pair of the Fives' Court will afterwards send round a
hat, and trust to the bounty of the lookers-on for the means of regaling
themselves, so Mr Godfrey Nickleby and HIS partner, the honeymoon being
over, looked out wistfully into the world, relying in no inconsiderable
degree upon chance for the improvement of their means. Mr Nickleby's
income, at the period of his marriage, fluctuated between sixty and eighty
pounds PER ANNUM.</p>
<p>There are people enough in the world, Heaven knows! and even in London
(where Mr Nickleby dwelt in those days) but few complaints prevail, of the
population being scanty. It is extraordinary how long a man may look among
the crowd without discovering the face of a friend, but it is no less
true. Mr Nickleby looked, and looked, till his eyes became sore as his
heart, but no friend appeared; and when, growing tired of the search, he
turned his eyes homeward, he saw very little there to relieve his weary
vision. A painter who has gazed too long upon some glaring colour,
refreshes his dazzled sight by looking upon a darker and more sombre tint;
but everything that met Mr Nickleby's gaze wore so black and gloomy a hue,
that he would have been beyond description refreshed by the very reverse
of the contrast.</p>
<p>At length, after five years, when Mrs Nickleby had presented her husband
with a couple of sons, and that embarrassed gentleman, impressed with the
necessity of making some provision for his family, was seriously revolving
in his mind a little commercial speculation of insuring his life next
quarter-day, and then falling from the top of the Monument by accident,
there came, one morning, by the general post, a black-bordered letter to
inform him how his uncle, Mr Ralph Nickleby, was dead, and had left him
the bulk of his little property, amounting in all to five thousand pounds
sterling.</p>
<p>As the deceased had taken no further notice of his nephew in his lifetime,
than sending to his eldest boy (who had been christened after him, on
desperate speculation) a silver spoon in a morocco case, which, as he had
not too much to eat with it, seemed a kind of satire upon his having been
born without that useful article of plate in his mouth, Mr Godfrey
Nickleby could, at first, scarcely believe the tidings thus conveyed to
him. On examination, however, they turned out to be strictly correct. The
amiable old gentleman, it seemed, had intended to leave the whole to the
Royal Humane Society, and had indeed executed a will to that effect; but
the Institution, having been unfortunate enough, a few months before, to
save the life of a poor relation to whom he paid a weekly allowance of
three shillings and sixpence, he had, in a fit of very natural
exasperation, revoked the bequest in a codicil, and left it all to Mr
Godfrey Nickleby; with a special mention of his indignation, not only
against the society for saving the poor relation's life, but against the
poor relation also, for allowing himself to be saved.</p>
<p>With a portion of this property Mr Godfrey Nickleby purchased a small
farm, near Dawlish in Devonshire, whither he retired with his wife and two
children, to live upon the best interest he could get for the rest of his
money, and the little produce he could raise from his land. The two
prospered so well together that, when he died, some fifteen years after
this period, and some five after his wife, he was enabled to leave, to his
eldest son, Ralph, three thousand pounds in cash, and to his youngest son,
Nicholas, one thousand and the farm, which was as small a landed estate as
one would desire to see.</p>
<p>These two brothers had been brought up together in a school at Exeter;
and, being accustomed to go home once a week, had often heard, from their
mother's lips, long accounts of their father's sufferings in his days of
poverty, and of their deceased uncle's importance in his days of
affluence: which recitals produced a very different impression on the two:
for, while the younger, who was of a timid and retiring disposition,
gleaned from thence nothing but forewarnings to shun the great world and
attach himself to the quiet routine of a country life, Ralph, the elder,
deduced from the often-repeated tale the two great morals that riches are
the only true source of happiness and power, and that it is lawful and
just to compass their acquisition by all means short of felony. 'And,'
reasoned Ralph with himself, 'if no good came of my uncle's money when he
was alive, a great deal of good came of it after he was dead, inasmuch as
my father has got it now, and is saving it up for me, which is a highly
virtuous purpose; and, going back to the old gentleman, good DID come of
it to him too, for he had the pleasure of thinking of it all his life
long, and of being envied and courted by all his family besides.' And
Ralph always wound up these mental soliloquies by arriving at the
conclusion, that there was nothing like money.</p>
<p>Not confining himself to theory, or permitting his faculties to rust, even
at that early age, in mere abstract speculations, this promising lad
commenced usurer on a limited scale at school; putting out at good
interest a small capital of slate-pencil and marbles, and gradually
extending his operations until they aspired to the copper coinage of this
realm, in which he speculated to considerable advantage. Nor did he
trouble his borrowers with abstract calculations of figures, or references
to ready-reckoners; his simple rule of interest being all comprised in the
one golden sentence, 'two-pence for every half-penny,' which greatly
simplified the accounts, and which, as a familiar precept, more easily
acquired and retained in the memory than any known rule of arithmetic,
cannot be too strongly recommended to the notice of capitalists, both
large and small, and more especially of money-brokers and
bill-discounters. Indeed, to do these gentlemen justice, many of them are
to this day in the frequent habit of adopting it, with eminent success.</p>
<p>In like manner, did young Ralph Nickleby avoid all those minute and
intricate calculations of odd days, which nobody who has worked sums in
simple-interest can fail to have found most embarrassing, by establishing
the one general rule that all sums of principal and interest should be
paid on pocket-money day, that is to say, on Saturday: and that whether a
loan were contracted on the Monday, or on the Friday, the amount of
interest should be, in both cases, the same. Indeed he argued, and with
great show of reason, that it ought to be rather more for one day than for
five, inasmuch as the borrower might in the former case be very fairly
presumed to be in great extremity, otherwise he would not borrow at all
with such odds against him. This fact is interesting, as illustrating the
secret connection and sympathy which always exist between great minds.
Though Master Ralph Nickleby was not at that time aware of it, the class
of gentlemen before alluded to, proceed on just the same principle in all
their transactions.</p>
<p>From what we have said of this young gentleman, and the natural admiration
the reader will immediately conceive of his character, it may perhaps be
inferred that he is to be the hero of the work which we shall presently
begin. To set this point at rest, for once and for ever, we hasten to
undeceive them, and stride to its commencement.</p>
<p>On the death of his father, Ralph Nickleby, who had been some time before
placed in a mercantile house in London, applied himself passionately to
his old pursuit of money-getting, in which he speedily became so buried
and absorbed, that he quite forgot his brother for many years; and if, at
times, a recollection of his old playfellow broke upon him through the
haze in which he lived—for gold conjures up a mist about a man, more
destructive of all his old senses and lulling to his feelings than the
fumes of charcoal—it brought along with it a companion thought, that
if they were intimate he would want to borrow money of him. So, Mr Ralph
Nickleby shrugged his shoulders, and said things were better as they were.</p>
<p>As for Nicholas, he lived a single man on the patrimonial estate until he
grew tired of living alone, and then he took to wife the daughter of a
neighbouring gentleman with a dower of one thousand pounds. This good lady
bore him two children, a son and a daughter, and when the son was about
nineteen, and the daughter fourteen, as near as we can guess—impartial
records of young ladies' ages being, before the passing of the new act,
nowhere preserved in the registries of this country—Mr Nickleby
looked about him for the means of repairing his capital, now sadly reduced
by this increase in his family, and the expenses of their education.</p>
<p>'Speculate with it,' said Mrs Nickleby.</p>
<p>'Spec—u—late, my dear?' said Mr Nickleby, as though in doubt.</p>
<p>'Why not?' asked Mrs Nickleby.</p>
<p>'Because, my dear, if we SHOULD lose it,' rejoined Mr Nickleby, who was a
slow and time-taking speaker, 'if we SHOULD lose it, we shall no longer be
able to live, my dear.'</p>
<p>'Fiddle,' said Mrs Nickleby.</p>
<p>'I am not altogether sure of that, my dear,' said Mr Nickleby.</p>
<p>'There's Nicholas,' pursued the lady, 'quite a young man—it's time
he was in the way of doing something for himself; and Kate too, poor girl,
without a penny in the world. Think of your brother! Would he be what he
is, if he hadn't speculated?'</p>
<p>'That's true,' replied Mr Nickleby. 'Very good, my dear. Yes. I WILL
speculate, my dear.'</p>
<p>Speculation is a round game; the players see little or nothing of their
cards at first starting; gains MAY be great—and so may losses. The
run of luck went against Mr Nickleby. A mania prevailed, a bubble burst,
four stock-brokers took villa residences at Florence, four hundred
nobodies were ruined, and among them Mr Nickleby.</p>
<p>'The very house I live in,' sighed the poor gentleman, 'may be taken from
me tomorrow. Not an article of my old furniture, but will be sold to
strangers!'</p>
<p>The last reflection hurt him so much, that he took at once to his bed;
apparently resolved to keep that, at all events.</p>
<p>'Cheer up, sir!' said the apothecary.</p>
<p>'You mustn't let yourself be cast down, sir,' said the nurse.</p>
<p>'Such things happen every day,' remarked the lawyer.</p>
<p>'And it is very sinful to rebel against them,' whispered the clergyman.</p>
<p>'And what no man with a family ought to do,' added the neighbours.</p>
<p>Mr Nickleby shook his head, and motioning them all out of the room,
embraced his wife and children, and having pressed them by turns to his
languidly beating heart, sunk exhausted on his pillow. They were concerned
to find that his reason went astray after this; for he babbled, for a long
time, about the generosity and goodness of his brother, and the merry old
times when they were at school together. This fit of wandering past, he
solemnly commended them to One who never deserted the widow or her
fatherless children, and, smiling gently on them, turned upon his face,
and observed, that he thought he could fall asleep.</p>
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