my father's eyes, who had been accustomed only to a plainer stile of life, and less flattering views of

profit. He was pleased with the thoughts of taking into his counting house the son of a man so opulent; and when he saw the young gentleman himself, was immediately prejudiced in his favour. Elphinstone was then a tall boy of sixteen: his dark complexion was enlivened by black eyes full of spirit and vivacity; and his countenance, if not handsome, was expressive of an open and ingenuous mind. The premium which my father asked was agreed to, and young Elphinstone became one of our family, which consisted of my father, his second wife, by whom he had no children, my two sisters, and myself; for of my three brothers, one was placed at the Temple, another was gone to the East Indies, and the youngest, my dear Frank, was then at school.
"My mother-in-law was one of those common characters which are so difficult to describe unless it be by negatives. She was not ill natured; she was not a woman of understanding; she was not handsome;

she was not young; she was not well born or well educated: but my father, who had married her to take care of his family, and to put the three thousand pounds she possessed into his business, was well enough contented to see that she did not behave ill to his children, that she brought him no more, and that she had always a plain dinner ready for him when he came from 'Change; was satisfied with going on a Saturday to a country house at Clapton, near Hackney, and receiving the visits of the wives and daughters of traders like himself; and had been brought up with no higher ideas of elegance than what were answered by their society, or fancied any superior entertainment was to be found than what she enjoyed in the front boxes at a play twice a year, or in a Christmas attendance at Hackney Assembly.
"It is true that on these occasions she loved to be fine, to wear rich silks and good lace, to clean and exhibit her mother's rose-diamond ear rings, and to wear

my father's picture by way of bracelet, fastened by garnets on her comfortable round arm. But these were indulgences about which he never contended; and was rather pleased that Mrs. and the Miss Cathcarts began to be considered as people of some consequence in the circle in which they moved, while he gradually obtained in the city the name of a warm man.
"I