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It was amassed in the canned-fruit trade, which, I understand, does not fluctuate severely, though doubtless in the last instance dependent on the crops. Seely-Hardwicke and his wife were ready to lose any amount of it at cards, which accounts for a measure of their success. It had been found (with Mrs. Seely-Hardwicke) somewhere on the Pacific Slope, by a destitute Yorkshireman who had tired of driving rivets on the Clyde and betaken himself across the Atlantic, for a change, in front of a furnace some thirty-odd feet below decks. Of his adventures in the Great Republic nothing is known but this, that he drove into the silence of its central plain at the tail of a traction engine and emerged on its western shore, three years later, with a wife, a child and a growing pile. With this pile there grew a desire to spend it in his own country; and the family landed at Liverpool on Billy's sixth birthday. I think their double-barrelled name must have been invented by Mrs. Seely-Hardwicke on the voyage.

I first made Billy's acquaintance in the Row, where a capable groom was teaching him to ride a very small skewbald pony. This happened