Chapter I - Effects In The Bank

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Bitzer knuckled his forehead again, and again begged pardon.

'No, Bitzer,' continued Mrs. Sparsit, 'say an individual, and I will hear you; say Mr. Thomas, and you must excuse me.'

'With the usual exception, ma'am,' said Bitzer, trying back, 'of an individual.'

'Ah - h!' Mrs. Sparsit repeated the ejaculation, the shake of the head over her tea-cup, and the long gulp, as taking up the conversation again at the point where it had been interrupted.

'An individual, ma'am,' said Bitzer, 'has never been what he ought to have been, since he first came into the place. He is a dissipated, extravagant idler. He is not worth his salt, ma'am. He wouldn't get it either, if he hadn't a friend and relation at court, ma'am!'

'Ah - h!' said Mrs. Sparsit, with another melancholy shake of her head.

'I only hope, ma'am,' pursued Bitzer, 'that his friend and relation may not supply him with the means of carrying on. Otherwise, ma'am, we know out of whose pocket that money comes.'

'Ah - h!' sighed Mrs. Sparsit again, with another melancholy shake of her head.

'He is to be pitied, ma'am. The last party I have alluded to, is to be pitied, ma'am,' said Bitzer.

'Yes, Bitzer,' said Mrs. Sparsit. 'I have always pitied the delusion, always.'

'As to an individual, ma'am,' said Bitzer, dropping his voice and drawing nearer, 'he is as improvident as any of the people in this town. And you know what their improvidence is, ma'am. No one could wish to know it better than a lady of your eminence does.'

'They would do well,' returned Mrs. Sparsit, 'to take example by you, Bitzer.'

'Thank you, ma'am. But, since you do refer to me, now look at me, ma'am. I have put by a little, ma'am, already. That gratuity which I receive at Christmas, ma'am: I never touch it. I don't even go the length of my wages, though they're not high, ma'am. Why can't they do as I have done, ma'am? What one person can do, another can do.'

This, again, was among the fictions of Coketown. Any capitalist there, who had made sixty thousand pounds out of sixpence, always professed to wonder why the sixty thousand nearest Hands didn't each make sixty thousand pounds out of sixpence, and more or less reproached them every one for not accomplishing the little feat. What I did you can do. Why don't you go and do it?

'As to their wanting recreations, ma'am,' said Bitzer, 'it's stuff and nonsense. I don't want recreations. I never did, and I never shall; I don't like 'em. As to their combining together; there are many of them, I have no doubt, that by watching and informing upon one another could earn a trifle now and then, whether in money or good will, and improve their livelihood. Then, why don't they improve it, ma'am! It's the first consideration of a rational creature, and it's what they pretend to want.'

'Pretend indeed!' said Mrs. Sparsit.

'I am sure we are constantly hearing, ma'am, till it becomes quite nauseous, concerning their wives and families,' said Bitzer. 'Why look at me, ma'am! I don't want a wife and family. Why should they?'