CHAPTER I. In Which Morris Suspects

How very little does the amateur, dwelling at home at ease, comprehend the labours and perils of the author, and, when he smilingly skims the surface of a work of fiction, how little does he consider the hours of toil, consultation of authorities, researches in the Bodleian, correspondence with learned and illegible Germans—­in one word, the vast scaffolding that was first built up and then knocked down, to while away an hour for him in a railway train!  Thus I might begin this tale with a biography of Tonti—­birthplace, parentage, genius probably inherited from his mother, remarkable instance of precocity, etc—­and a complete treatise on the system to which he bequeathed his name.  The material is all beside me in a pigeon-hole, but I scorn to appear vainglorious.  Tonti is dead, and I never saw anyone who even pretended to regret him; and, as for the tontine system, a word will suffice for all the purposes of this unvarnished narrative.

A number of sprightly youths (the more the merrier) put up a certain sum of money, which is then funded in a pool under trustees; coming on for a century later, the proceeds are fluttered for a moment in the face of the last survivor, who is probably deaf, so that he cannot even hear of his success—­and who is certainly dying, so that he might just as well have lost.  The peculiar poetry and even humour of the scheme is now apparent, since it is one by which nobody concerned can possibly profit; but its fine, sportsmanlike character endeared it to our grandparents.

When Joseph Finsbury and his brother Masterman were little lads in white-frilled trousers, their father—­a well-to-do merchant in Cheapside—­caused them to join a small but rich tontine of seven-and-thirty lives.  A thousand pounds was the entrance fee; and Joseph Finsbury can remember to this day the visit to the lawyer’s, where the members of the tontine—­all children like himself—­were assembled together, and sat in turn in the big office chair, and signed their names with the assistance of a kind old gentleman in spectacles and Wellington boots.  He remembers playing with the children afterwards on the lawn at the back of the lawyer’s house, and a battle-royal that he had with a brother tontiner who had kicked his shins.  The sound of war called forth the lawyer from where he was dispensing cake and wine to the assembled parents in the office, and the combatants were separated, and Joseph’s spirit (for he was the smaller of the two) commended by the gentleman in the Wellington boots, who vowed he had been just such another at the same age.  Joseph wondered to himself if he had worn at that time little Wellingtons and a little bald head, and when, in bed at night, he grew tired of telling himself stories of sea-fights, he used to dress himself up as the old gentleman, and entertain other little boys and girls with cake and wine.