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 of Ships in the City, and I began to think with awe, of having laid a young Insurer on his back, blackened his enterprising eye, and cut his responsible head open. But, again, there came upon me, for my relief, that odd impression that Herbert Pocket would never be very successful or rich.

"I shall not rest satisfied with merely employing my capital in insuring ships. I shall buy up some good Life Assurance shares, and cut into the Direction. I shall also do a little in the mining way. None of these things will interfere with my chartering a few thousand tons on my own account. I think I shall trade," said he, leaning back in his chair, "to the East Indies, for silks, shawls, spices, dyes, drugs, and precious woods. It's an interesting trade."

"And the profits are large?" said I.

"Tremendous!" said he.

I wavered again, and began to think here were greater expectations than my own.

"I think I shall trade, also," said he, putting his thumbs in his waistcoat pockets, "to the West Indies, for sugar, tobacco, and rum. Also to Ceylon, especially for elephants' tusks."

"You will want a good many ships," said I.

"A perfect fleet," said he.

Quite overpowered by the magnificence of these transactions, I asked him where the ships he insured mostly traded to at present?

"I haven't begun insuring yet," he replied. "I am looking about me."

Somehow, that pursuit seemed more in keeping with Barnard's Inn. I said (in a tone of conviction), "Ah-h!"

"Yes. I am in a counting-house, and looking about me."

"Is a counting-house profitable?" I asked.

"Todo you mean to the young fellow who's in it?" he asked, in reply.

"Yes; to you."

"Why, n-no; not to me." He said this with the air of