He was powerless to control it. Cark and care bestrode him; rode him to death; and yet got him nowhere; for all the calculations in the world would not change hard facts. Reckon as he might, he could not make his dividends for the past six months amount to more than a hundred and fifty pounds: a hundred and fifty! Nor was this wretched sum a certainty. It came from shares that were to the last degree unstable -- in old days he had never given them a thought. And against this stood the sum of eight hundred pounds. Oh! he had grossly over-estimated his faculty for self-deception. Now that he was in the thick of things, it went beyond him to get this debt out of his mind. Suppose anything should happen to him before he had paid it off? What a legacy to leave Mary! Out and away his sorest regret was that, in the good old days now gone for ever, he had failed to insure his life. Thanks to his habitual dilatoriness he had put it off from year to year, always nursing the intention, shirking the effort. Now, the premium demanded would be sheerly unpayable.

At present everything depended on how the practice panned out. The practice . . . Truth to tell, after close on a six months' trial, he did not himself know what to make of it. Had he been less pressed for time and money, he might have described it as not unpromising. As matters stood, he could only say that what there was of it was good: the patients of a superior class, and so on. But from the first it had been slow to move -- there seemed no sickness about -- the fees slower still to come in. If, by the end of the year, things did not look up, he would have to write down his settling there as a bad job. It was an acute disappointment that he had only managed to secure two paltry lodges. Every general practitioner knew what that meant. He had built on lodge-work: not only for the income it assured, but also to give a fillip to the private practice. Again, not expecting what work there was to be so scattered, he had omitted to budget for horse hire, or the hire of a buggy. This made a real hole in his takings. He walked wherever he could; but calls came from places as far afield as Kew and Camberwell, which were not to be reached on foot. Besides, the last thing in the world he could afford to do was to knock himself up. Even as it was, he got back from his morning round tired out; and after lunch would find himself dozing in his chair. Of an evening, he was glad to turn in soon after ten o'clock; the one bright side to the general slackness being the absence of night-work. Of course, such early hours meant giving the go-by to all social pleasures. But truly he was in no trim for company, either at home or abroad.