For the Duke, of course, like all dukes, was agricultural from his Norfolk jacket to his hobnailed boots.

At his restaurant he had cut a potato in two and sent half of it to the head waiter to know if it was Bermudian. It had all the look of an early Bermudian, but the Duke feared from the shading of it that it might be only a late Trinidad. And the head waiter sent it to the chef, mistaking it for a complaint, and the chef sent it back to the Duke with a message that it was not a Bermudian but a Prince Edward Island. And the Duke sent his compliments to the chef, and the chef sent his compliments to the Duke. And the Duke was so pleased at learning this that he had a similar potato wrapped up for him to take away, and tipped the head waiter twenty-five cents, feeling that in an extravagant country the only thing to do is to go the people one better. So the Duke carried the potato round for five days in New York and showed it to everybody. But beyond this he got no sign of agriculture out of the place at all. No one who entertained him seemed to know what the beef that they gave him had been fed on; no one, even in what seemed the best society, could talk rationally about preparing a hog for the breakfast table. People seemed to eat cauliflower without distinguishing the Denmark variety from the Oldenburg, and few, if any, knew Silesian bacon even when they tasted it. And when they took the Duke out twenty-five miles into what was called the country, there were still no turnips, but only real estate, and railway embankments, and advertising signs; so that altogether the obvious and visible decline of American agriculture in what should have been its leading centre saddened the Duke’s heart. Thus the Duke passed four gloomy days. Agriculture vexed him, and still more, of course, the money concerns which had brought him to America.

Money is a troublesome thing. But it has got to be thought about even by those who were not brought up to it. If, on account of money matters, one has been driven to come over to America in the hope of borrowing money, the awkwardness of how to go about it naturally makes one gloomy and preoccupied. Had there been broad fields of turnips to walk in and Holstein cattle to punch in the ribs, one might have managed to borrow it in the course of gentlemanly intercourse, as from one cattle-man to another. But in New York, amid piles of masonry and roaring street-traffic and glittering lunches and palatial residences, one simply couldn’t do it.

Herein lay the truth about the Duke of Dulham’s visit and the error of Mr. Lucullus Fyshe. Mr. Fyshe was thinking that the Duke had come to lend money. In reality he had come to borrow it. In fact, the Duke was reckoning that by putting a second mortgage on Dulham Towers for twenty thousand sterling, and by selling his Scotch shooting and leasing his Irish grazing and sub-letting his Welsh coal rent he could raise altogether a hundred thousand pounds. This, for a duke, is an enormous sum. If he once had it he would be able to pay off the first mortgage on Dulham Towers, buy in the rights of the present tenant of the Scotch shooting and the claim of the present mortgagee of the Irish grazing, and in fact be just where he started. This is ducal finance, which moves always in a circle.

In other words the Duke was really a poor man – not poor in the American sense, where poverty comes as a sudden blighting stringency, taking the form of an inability to get hold of a quarter of a million dollars, no matter how badly one needs it, and where it passes like a storm-cloud and is gone, but poor in that permanent and distressing sense known only to the British aristocracy. The Duke’s case, of course, was notorious, and Mr. Fyshe ought to have known of it. The Duke was so poor that the Duchess was compelled to spend three or four months every year at a fashionable hotel on the Riviera simply to save money, and his eldest son, the young Marquis of Beldoodle, had to put in most of his time shooting big game in Uganda, with only twenty or twenty-five beaters, and with so few carriers and couriers and such a dearth of elephant men and hyena boys that the thing was a perfect scandal. The Duke indeed was so poor that a younger son, simply to add his efforts to those of the rest, was compelled to pass his days in mountain climbing in the Himalayas, and the Duke’s daughter was obliged to pay long visits to minor German princesses, putting up with all sorts of hardship. And while the ducal family wandered about in this way – climbing mountains, and shooting hyenas, and saving money, the Duke’s place or seat, Dulham Towers, was practically shut up, with no one in it but servants and housekeepers and gamekeepers and tourists; and the picture galleries, except for artists and visitors and villagers, were closed; and the town house, except for the presence of servants and tradesmen and secretaries, was absolutely shut. But the Duke knew that rigid parsimony of this sort, if kept up for a generation or two, will work wonders, and this sustained him; and the Duchess knew it, and it sustained her; in fact, all the ducal family, knowing that it was only a matter of a generation or two, took their misfortune very cheerfully.

The only thing that bothered the Duke was borrowing money.