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304 the ocean, and dropped anchor off the Battery with some days to spare from the amount due to the voyage. The consignee came off and took possession of the cargo, and duly transferred it to his own warehouse. Though the advantages of advertising were not as fully understood in those days of comparative ignorance as they have been since, he duly announced the goods which he had received, and waited for a customer. He did not have to wait long. It was but a day or two after the appearance of the advertisement in the newspapers that he had prime Holland linens on hand, just received from Amsterdam, when he was waited upon by a gentleman of good address and evidently of French extraction, who inquired of the consignee, whom we will call Mr. Schulemberg for the nonce, "whether he had the linens he had advertised yet on hand."

"They are still on hand and on sale," said Mr. Schulemberg.

"What is the price of the entire consignment?" inquired the customer.

"Fifty thousand dollars," responded Mr. Schulemberg.

"And the terms?"

"Cash, on delivery."

"Very good," replied the obliging buyer, "if they be of the quality you describe in your advertisement, I will take them on those terms. Send them down to my warehouse, No. 118 Pearl Street, tomorrow morning, and I will send you the money."

"And your name?" inquired Mr. Schulemberg.

"Is M," responded the courteous purchaser.

The two merchants bowed politely, the one to the other, mutually well pleased with the morning's work, and bade each other good day.

Mr. Schulemberg knew but little, if anything, about his new customer; but as the transaction was to be a cash one, he did not mind that. He calculated his commissions, gave orders to his head clerk to see the goods duly delivered the next morning, and went on change and thence to dinner in the enjoyment of a complacent mind and a good appetite.

It is to be supposed that M. M did the same. At any rate, he had the most reason,—at least, according to his probable notions of mercantile morality and success.

next day came, and with it came, betimes, the packages of linens to M. M's warehouse in Pearl Street; but the price for the same did not come as punctually to Mr. Schulemberg's counting-room, according to the contract under which they were delivered. In point of fact, M. M was not in at the time; but there was no doubt that he would attend to the matter without delay, as soon as he came in. A cash transaction does not necessarily imply so much the instant presence of coin as the unequivocal absence of credit. A day or two more or less is of no material consequence, only there is to be no delay for sales and returns before payment. So Mr. Schulemberg gave himself no uneasiness about the matter when two, three, and even five and six days had slid away without producing the apparition of the current money of the merchant. A man who transacted affairs on so large a scale as M. M, and conducted them on the sound basis of ready money, might safely be trusted for so short a time. But when a week had elapsed and no tidings had been received either of purchaser or purchase-money, Mr. Schulemberg thought it time for himself to interfere in his own proper person. Accordingly, he incontinently proceeded to the counting-house of M. M to receive the promised price or to know the reason why. If he failed to obtain the one satisfaction, he at least could not complain of being disappointed of the other. Matters seemed to be in some little unbusiness-like confusion, and the clerks in a high state of gleeful excitement. Addressing himself to the chief among them, Mr. Schulemberg asked the pertinent question,—

"Is M. M in?"