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" 'There are ten of us in Paris, silent, unknown kings, the arbiters
of your destinies. What is life but a machine set in motion by money?

Know this for certain--methods are always confounded with results; you
will never succeed in separating the soul from the senses, spirit from

matter. Gold is the spiritual basis of existing society.--The ten of
us are bound by the ties of common interest; we meet on certain days

of the week at the Cafe Themis near the Pont Neuf, and there, in
conclave, we reveal the mysteries of finance. No fortune can deceive

us; we are in possession of family secrets in all directions. We keep
a kind of Black Book, in which we note the most important bills

issued, drafts on public credit, or on banks, or given and taken in
the course of business. We are the Casuists of the Paris Bourse, a

kind of Inquisition weighing and analyzing the most insignificant
actions of every man of any fortune, and our forecasts are infallible.

One of us looks out over the judicial world, one over the financial,
another surveys the administrative, and yet another the business

world. I myself keep an eye on eldest sons, artists, people in the
great world, and gamblers--on the most sensational side of Paris.

Every one who comes to us lets us into his neighbor's secrets.
Thwarted passion and mortified vanity are great babblers. Vice and

disappointment and vindictiveness are the best of all detectives. My
colleagues, like myself, have enjoyed all things, are sated with all

things, and have reached the point when power and money are loved for
their own sake.

" 'Here,' he said, indicating his bare, chilly room, 'here the most
high-mettled gallant, who chafes at a word and draws swords for a

syllable elsewhere will entreat with clasped hands. There is no city
merchant so proud, no woman so vain of her beauty, no soldier of so

bold a spirit, but that they entreat me here, one and all, with tears
of rage or anguish in their eyes. Here they kneel--the famous artist,

and the man of letters, whose name will go down to posterity. Here, in
short' (he lifted his hand to his forehead), 'all the inheritances and

all the concerns of all Paris are weighed in the balance. Are you
still of the opinion that there are no delights behind the blank mask

which so often has amazed you by its impassiveness?' he asked,
stretching out that livid face which reeked of money.

"I went back to my room, feeling stupefied. The little, wizened old
man had grown great. He had been metamorphosed under my eyes into a

strange visionary symbol; he had come to be the power of gold
personified. I shrank, shuddering, from life and my kind.

" 'Is it really so?' I thought; 'must everything be resolved into
gold?'

"I remember that it was long before I slept that night. I saw heaps of
gold all about me. My thoughts were full of the lovely Countess; I

confess, to my shame, that the vision completely eclipsed another
quiet, innocent figure, the figure of the woman who had entered upon a

life of toil and obscurity; but on the morrow, through the clouds of
slumber, Fanny's sweet face rose before me in all its beauty, and I

thought of nothing else."
"Will you take a glass of eau sucree?" asked the Vicomtesse,

interrupting Derville.
"I should be glad of it."

"But I can see nothing in this that can touch our concerns," said Mme.
de Grandlieu, as she rang the bell.

"Sardanapalus!" cried Derville, flinging out his favorite invocation.
"Mademoiselle Camille will be wide awake in a moment if I say that her

happiness depended not so long ago upon Daddy Gobseck; but as the old
gentleman died at the age of ninety, M. de Restaud will soon be in

possession of a handsome fortune. This requires some explanation. As
for poor Fanny Malvaut, you know her; she is my wife."

"Poor fellow, he would admit that, with his usual frankness, with a
score of people to hear him!" said the Vicomtesse.

"I would proclaim it to the universe," said the attorney.
"Go on, drink your glass, my poor Derville. You will never be anything

but the happiest and the best of men."
"I left you in the Rue du Helder," remarked the uncle, raising his

face after a gentle doze. "You had gone to see a Countess; what have
you done with her?"

"A few days after my conversation with the old Dutchman," Derville
continued, "I sent in my thesis, and became first a licentiate in law,

and afterwards an advocate. The old miser's opinion of me went up
considerably. He consulted me (gratuitously) on all the ticklish bits

of business which he undertook when he had made quite sure how he
stood, business which would have seemed unsafe to any ordinary

practitioner. This man, over whom no one appeared to have the
slightest influence, listened to my advice with something like

respect. It is true that he always found that it turned out very well.
"At length I became head-clerk in the office where I had worked for

three years and then I left the Rue des Gres for rooms in my
employer's house. I had my board and lodging and a hundred and fifty

francs per month. It was a great day for me!
"When I went to bid the usurer good-bye, he showed no sign of feeling,

he was neither cordial nor sorry to lose me, he did not ask me to come
to see him, and only gave me one of those glances which seemed in some

sort to reveal a power of second-sight.
"By the end of a week my old neighbor came to see me with a tolerably

thorny bit of business, an expropriation, and he continued to ask for
my advice with as much freedom as if he paid for it.

"My principal was a man of pleasure and expensive tastes; before the
second year (1818-1819) was out he had got himself into difficulties,

and was obliged to sell his practice. A professionalconnection in
those days did not fetch the present exorbitant prices, and my

principal asked a hundred and fifty thousand francs. Now an active
man, of competent knowledge and intelligence, might hope to pay off

the capital in ten years, paying interest and living respectably in
the meantime--if he could command confidence. But I as the seventh

child of a small tradesman at Noyon, I had not a sou to my name, nor
personal knowledge of any capitalist but Daddy Gobseck. An ambitious

idea, and an indefinable glimmer of hope, put heart into me. To
Gobseck I betook myself, and slowly one evening I made my way to the

Rue des Gres. My heart thumped heavily as I knocked at his door in the
gloomy house. I recollected all the things that he used to tell me, at

a time when I myself was very far from suspecting the violence of the
anguish awaiting those who crossed his threshold. Now it was I who was

about to beg and pray like so many others.
" 'Well, no, not THAT,' I said to myself; 'an honest man must keep his

self-respect wherever he goes. Success is not worth cringing for; let
us show him a front as decided as his own.'

"Daddy Gobseck had taken my room since I left the house, so as to have
no neighbor; he had made a little grated window too in his door since

then, and did not open until he had taken a look at me and saw who I
was.

" 'Well,' said he, in his thin, flute notes, 'so your principal is
selling his practice?'

" 'How did you know that?' said I; 'he has not spoken of it as yet
except to me.'

"The old man's lips were drawn in puckers, like a curtain, to either
corner of his mouth, as a soundless smile bore a hard glance company.

" 'Nothing else would have brought you here,' he said drily, after a
pause, which I spent in confusion.

" 'Listen to me, M. Gobseck,' I began, with such serenity as I could
assume before the old man, who gazed at me with steady eyes. There was

a clear light burning in them that disconcerted me.
"He made a gesture as if to bid me 'Go on.' 'I know that it is not

easy to work on your feelings, so I will not waste my eloquence on the
attempt to put my position before you--I am a penniless clerk, with no

one to look to but you, and no heart in the world but yours can form a
clear idea of my probable future. Let us leave hearts out of the

question. Business is business, and business is not carried on with
sentimentality like romances. Now to the facts. My principal's

practice is worth in his hands about twenty thousand francs per annum;
in my hands, I think it would bring in forty thousand. He is willing

to sell it for a hundred and fifty thousand francs. And HERE,' I said,
striking my forehead, 'I feel that if you would lend me the purchase-

money, I could clear it off in ten years' time.'
" 'Come, that is plain speaking,' said Daddy Gobseck, and he held out

his hand and grasped mine. 'Nobody since I have been in business has
stated the motives of his visit more clearly. Guarantees?' asked he,

scanning me from head to foot. 'None to give,' he added after a pause,
'How old are you?'

" 'Twenty-five in ten days' time,' said I, 'or I could not open the
matter.'

" 'Precisely.'
" 'Well?'

" 'It is possible.'
" 'My word, we must be quick about it, or I shall have some one buying

over my head.'
" 'Bring your certificate of birth round to-morrow morning, and we

will talk. I will think it over.'
" 'Next morning, at eight o'clock, I stood in the old man's room. He

took the document, put on his spectacles, coughed, spat, wrapped
himself up in his black greatcoat, and read the whole certificate

through from beginning to end. Then he turned it over and over, looked
at me, coughed again, fidgeted about in his chair, and said, 'We will

try to arrange this bit of business.'
"I trembled.

" 'I make fifty per cent on my capital,' he continued, 'sometimes I
make a hundred, two hundred, five hundred per cent.'

"I turned pale at the words.
" 'But as we are acquaintances, I shall be satisfied to take twelve

and a half per cent per--(he hesitated)--'well, yes, from you I would
be content to take thirteen per cent per annum. Will that suit you?'

" 'Yes,' I answered.
" 'But if it is too much, stick up for yourself, Grotius!' (a name he

jokingly gave me). 'When I ask you for thirteen per cent, it is all in
the way of business; look into it, see if you can pay it; I don't like

a man to agree too easily. Is it too much?'
" 'No,' said I, 'I will make up for it by working a little harder.'

" 'Gad! your clients will pay for it!' said he, looking at me wickedly
out of the corner of his eyes.

" 'No, by all the devils in hell!' cried I, 'it shall be I who will
pay. I would sooner cut my hand off than flay people.'

" 'Good-night,' said Daddy Gobseck.
" 'Why, fees are all according to scale,' I added.

" 'Not for compromises and settlements out of Court, and cases where
litigants come to terms,' said he. 'You can send in a bill for

thousands of francs, six thousand even at a swoop (it depends on the
importance of the case), for conferences with So-and-so, and expenses,

and drafts, and memorials, and your jargon. A man must learn to look
out for business of this kind. I will recommend you as a most

competent, clever attorney. I will send you such a lot of work of this
sort that your colleagues will be fit to burst with envy. Werbrust,

Palma, and Gigonnet, my cronies, shall hand over their expropriations
to you; they have plenty of them, the Lord knows! So you will have two

practices--the one you are buying, and the other I will build up for
you. You ought almost to pay me fifteen per cent on my loan.'

" 'So be it, but no more,' said I, with the firmness which means that
a man is determined not to concede another point.

"Daddy Gobseck's face relaxed; he looked pleased with me.
" 'I shall pay the money over to your principal myself,' said he, 'so

as to establish a lien on the purchase and caution-money.'
" 'Oh, anything you like in the way of guarantees.'

" 'And besides that, you will give me bills for the amount made
payable to a third party (name left blank), fifteen bills of ten

thousand francs each.'
" 'Well, so long as it is acknowledged in writing that this is a

double----'
" 'No!' Gobseck broke in upon me. 'No! Why should I trust you any more

than you trust me?'
"I kept silence.

" 'And furthermore,' he continued, with a sort of good humor, 'you


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