Chapter I - Effects In The Bank

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'Because they are improvident,' said Mrs. Sparsit.

'Yes, ma'am,' returned Bitzer, 'that's where it is. If they were more provident and less perverse, ma'am, what would they do? They would say, "While my hat covers my family," or "while my bonnet covers my family," - as the case might be, ma'am - "I have only one to feed, and that's the person I most like to feed."'

'To be sure,' assented Mrs. Sparsit, eating muffin.

'Thank you, ma'am,' said Bitzer, knuckling his forehead again, in return for the favour of Mrs. Sparsit's improving conversation. 'Would you wish a little more hot water, ma'am, or is there anything else that I could fetch you?'

'Nothing just now, Bitzer.'

'Thank you, ma'am. I shouldn't wish to disturb you at your meals, ma'am, particularly tea, knowing your partiality for it,' said Bitzer, craning a little to look over into the street from where he stood; 'but there's a gentleman been looking up here for a minute or so, ma'am, and he has come across as if he was going to knock. That is his knock, ma'am, no doubt.'

He stepped to the window; and looking out, and drawing in his head again, confirmed himself with, 'Yes, ma'am. Would you wish the gentleman to be shown in, ma'am?'

'I don't know who it can be,' said Mrs. Sparsit, wiping her mouth and arranging her mittens.

'A stranger, ma'am, evidently.'

'What a stranger can want at the Bank at this time of the evening, unless he comes upon some business for which he is too late, I don't know,' said Mrs. Sparsit, 'but I hold a charge in this establishment from Mr. Bounderby, and I will never shrink from it. If to see him is any part of the duty I have accepted, I will see him. Use your own discretion, Bitzer.'

Here the visitor, all unconscious of Mrs. Sparsit's magnanimous words, repeated his knock so loudly that the light porter hastened down to open the door; while Mrs. Sparsit took the precaution of concealing her little table, with all its appliances upon it, in a cupboard, and then decamped up-stairs, that she might appear, if needful, with the greater dignity.

'If you please, ma'am, the gentleman would wish to see you,' said Bitzer, with his light eye at Mrs. Sparsit's keyhole. So, Mrs. Sparsit, who had improved the interval by touching up her cap, took her classical features down-stairs again, and entered the board-room in the manner of a Roman matron going outside the city walls to treat with an invading general.

The visitor having strolled to the window, and being then engaged in looking carelessly out, was as unmoved by this impressive entry as man could possibly be. He stood whistling to himself with all imaginable coolness, with his hat still on, and a certain air of exhaustion upon him, in part arising from excessive summer, and in part from excessive gentility. For it was to be seen with half an eye that he was a thorough gentleman, made to the model of the time; weary of everything, and putting no more faith in anything than Lucifer.