rooms that, when lifted, gave startling glimpses of muddy water washing among rotten piles below. Not once in six months now did a barge land its load at Cater's Wharf, and no coasting brig ever lay alongside. For, in fact, the day of Cater's Wharf was long past; and it seemed indeed that few more days were left for old Jerry Cater himself. For seventy-eight years old Jerry Cater had led a life useless to himself and to everybody else, though his own belief was that he had profited considerably. Truly if one counted nothing but the money the old miser had accumulated, then his profit was large indeed; but it had brought nothing worth having, neither for himself nor for others, and he had no wife nor child who might use it more wisely when he should at last leave it behind him; no other relative indeed than his two nephews, each in spirit a fair copy of himself, though in body a quarter of a century younger. Seventy-eight years of every mean and sordid vice and of every virtue that had pecuniary gain for its sole object left Jerry Cater stranded at last in his cheap iron bedstead with its insufficient coverings, with not a sincere friend in the world to sit five minutes by his side. Down below, Sinclair, his unhappy clerk, had the accommo-
