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averaged at, 1. 5.—Freight, charges, and commission of agent among Mohawks, L. 10.—Do. do. do. of shipment and sale of furs, in England, L. 7. 2 Total of costs and charges, L. 20. 18. 8½, all in sterling money. Note, sale of furs, to Frost and Rich, nett avails, L. 196. 11. 3.—Balance, as per contra, L. 175. 12. 5½.—a very satisfactory equivalent this, Master Cornelius, to appear on the books of Tongue and Twaddle, where I stand charged with the original investment of L. 20. 19. 8½! How much the Empress of Germany may pay the firm of Frost and Rich for the articles, does not appear."

"Nor does it appear that more was got for your beads, in the Mohawk country, than they were valued at there, or was paid for the skins than they were worth where they were produced."

"Whe—w—w—w!" whistled the merchant, as he returned the tablets to his pocket.

"One would think that thou hadst been studying the Leyden pamphleteer, son of my old friend! If the savage thinks so little of his skins, and so much of my beads, I shall never take, the pains to set him right; else, always by permission of the Board of Trade, we shall see him, one day, turning his bark canoe into a good ship, and going in quest of his own ornaments. Enterprise and voyages! Who knows but that the rogue would see fit to stop at London, even; in which case the Mother Country might lose the profit of the sale at Vienna, and the Mohawk set up his carriage, on the difference in the value of markets! Thus, you see, in order to run a fair race, the horses must start even, carry equal weights, and, after all, one commonly wins. Your metaphysics are no better than so much philosophical gold leaf, which a cunning reasoner beats out into a sheet as large as the broadest American lake, to make dunces believe the earth can be transmuted into the precious material; while a plain practical man puts the value of the metal into his pocket, in good current coin."

"And yet I hear you complain that Parliament has legislated more than is good for trade, and speak in a manner of the proceedings at home, that, you will excuse me for saying, would better become a Hollander than a subject of the crown."

"Have I not told you, that the horse will run faster without a rider, than with a pack-saddle on his back? Give your own jockey as little, and your adversary's as much weight as you can, if you wish to win. I complain of the borough-men, because they make laws for us, and not for themselves. As I often tell my worthy friend, Alderman Gulp, eating is good for life, but a surfeit makes a will necessary."

"From all which I infer, that the opinions of your Leyden correspondent are not those of Mr. Van Beverout."

The Alderman laid a finger on his nose, and looked at his companions, for a moment, without answering.

"Those Leydeners are a sagacious breed! If the United Provinces had but ground to stand on, they would, like the philosopher who boasted of his lever, move the world! The sly rogues think that the Amsterdammers have naturally an easy seat, and they wish to persuade all others to ride bare-back. I shall send the pamphlet up into the Indian country, and pay some scholar to have it translated into the Mohawk tongue, in order that the famous chief Schendoh, when the missionaries shall have taught him to read, may entertain right views of equivalents! I am not certain that I may not make the worthy divines a present, to help the good fruits to ripen."

The Alderman leered round upon his auditors, and, folding his hands meekly on his breast, he appeared to leave his eloquence to work its own effects.

"These opinions favor but little the occupation of the—the gentleman—who now honors us with his company," said Ludlow, regarding the gay-looking smuggler with an eye that showed how much he was embarrassed to find a suitable appellation for one whose appearance was so much at variance with his pursuits. "If restrictions are necessary to commerce, the lawless trader is surely left without an excuse for his calling."

"I as much admire your discretion in practice, as the justice of your sentiments in theory, Captain Ludlow;" returned the Alderman. "In a rencontre on the high seas, it would be your duty to render captive the brigantine of this person; but, in what may be called the privacy of domestic retirement, you are content to ease your mind in moralities! I feel it my duty, too, to speak on this point, and shall take so favorable an occasion, when all is pacific, to disburthen myself of some sentiments that suggest themselves, very naturally, under the circumstances." Myndert then turned himself towards the dealer in contraband, and continued, much in the manner of a city magistrate, reading a lesson of propriety to some disturber of the peace of society. "You appear here, Master Seadrift," he said, "under what, to borrow a figure from your profession, may be called false colors. You bear the countenance of one who might be a useful subject, and yet are you suspected of being addicted to certain practices which—I will not say they are dishonest, or even discreditable—for on that head the opinions of men are much divided, but which certainly have no tendency to assist Her Majesty, in bringing her wars to a glorious issue, by securing to her European dominions that monopoly of trade, by which it is her greatest desire to ease us of the colonies of looking any further after our particular interests, than beyond the doors of her own custom-houses. This is an indiscretion, to give the act its gentlest appellation; and I regret to add, it is accompanied by certain circumstances which rather heighten than lessen the delinquency." The Alderman paused a moment, to observe the effect of his admonition, and to judge, by the eye of the free-trader, how much farther he might push his artifice; but perceiving, to his own surprise, that the other bent his face to the floor, and stood like one rebuked, he took courage to proceed. "You have introduced into this portion of my dwelling, which is exclusively inhabited by my niece, who is neither of a sex nor of years to be legally arraigned for any oversight of this nature, sundries of which it is the pleasure of the Queen's advisers that her subjects in the colonies should not know the use, since, in the nature of fabrications, they cannot be submitted to the supervising care of the ingenious artisans of the mother island. Woman, Master Seadrift, is a creature liable to the influence of temptation, and in few things is she weaker than in her efforts to resist the allurements of articles which may aid in adorning her person. My niece, the daughter of Etienne Barbérie, may also have an hereditary weakness on this head, since the females of France study these inventions more than those of some other countries. It is not my intention, however, to manifest any unreasonable severity; since, if old Etienne has communicated any hereditary feebleness on the subject of fancy, he has also left his daughter the means of paying for it. Hand in your account, therefore, and the debt shall be discharged, if debt has been incurred. And this brings me to the last and the gravest of your offences.

"Capital is no doubt the foundation on which a merchant builds his edifice of character," continued Myndert, after taking another jealous survey of the countenance of him he addressed; "but credit is the ornament of its front. This is a corner-stone; that the pilasters and carvings, by which the building is rendered pleasant; sometimes, when age has undermined the basement, it is the columns on which the superstructure rests, or even the roof by which the occupant is sheltered. It renders the rich man safe, the dealer of moderate means active and respectable, and it causes even the poor man to hold up his head in hope: though I admit that buyer and seller need both be wary, when it stands unsupported by any substantial base. This being the value of credit, Master Seadrift, none should assail it without sufficient cause, for its quality is of a nature too tender for rude treatment. I learned, when a youth, in my travels in Holland, through which country, by means of the Trekschuyts, I passed with sufficient deliberation to profit by what was seen, the importance of avoiding, on all occasions, bringing credit into disrepute. As one event that occurred offers an apposite parallel to what I have now to advance, I shall make a tender of the facts in the way of illustration. The circumstances show the awful uncertainty of things in this transitory life, Captain Ludlow, and forewarn the most vigorous and youthful, that the strong of arm may be cut down, in his pride, like the tender plant of the fields! The banking-house of Van Gelt and Van Stopper, in Amsterdam, had dealt largely in securities issued by the Emperor for the support of his wars. It happened, at the time, that Fortune had favored the Ottoman, who was then pressing the city of Belgrade, with some prospects of success. Well, Sirs, a headstrong and ill-advised laundress had taken possession of an elevated terrace in the centre of the town, in order to dry her clothes. This woman was in the act of commencing the distribution of her linens and muslins, with the break of day, when the Mussulmans awoke the garrison by a rude assault. Some, who had been posted in a position that permitted of retreat, having seen certain bundles of crimson, and green, and yellow, on an elevated parapet, mistook them for the heads of so many Turks; and they spread the report, far and near, that a countless band of the Infidels, led on by a vast number of sherriffes in green turbans, had gained the heart of the place, before they were induced to retire. The rumor soon took the shape of a circumstantial detail, and, having reached Amsterdam, it caused the funds of the Imperialists to look down. There was much question, on the Exchange, concerning the probable loss of Van Gelt and Van Stopper in consequence. Just as speculation was at its greatest height on this head, the monkey of a Savoyard escaped from its string, and concealed himself in a nut-shop, a few doors distant from the banking-house of the firm, where a crowd of Jew boys collected to witness its antics. Men of reflection, seeing what they mistook for a demonstration on the part of the children of the Israelites, began to feel uneasiness for their own property. Drafts multiplied; and the worthy bankers, in order to prove their solidity, disdained to shut their doors at the usual hour. Money was paid throughout the night; and before noon, on the following day, Van Gelt had cut his throat, in a summer-house that stood on the banks of the Utrecht canal; and Van Stopper was seen smoking a pipe, among strong boxes that were entirely empty. At two o'clock, the post brought the intelligence that the Mussulmans were repulsed, and that the laundress was hanged; though I never knew exactly for what crime, as she certainly was not a debtor of the unhappy firm. These are some of the warning events of life, gentlemen; and as I feel sure of addressing those who are capable of making the application, I shall now conclude by advising all who hear me to great discretion of speech on every matter connected with commercial character."

When Myndert ceased speaking, he threw another glance around him, in order to note the effect his words had produced, and more particularly to ascertain whether he had not drawn a draft on the forbearance

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