Grace came in, that moment, with a superb air. She settled herself on the sofa.
"Now, it is my turn, if you please. Pray, sir, do you think your life will be any safer for your insuring it? Insuring does not mean that you are not to be killed; but that, when you ARE, for your obstinacy, somebody else will get paid some money, to dance with over your grave."
"I beg your pardon, Grace," said Mr. Carden, entering with some printed papers in his hand. "That is not the only use of an insurance. He may want to marry, or to borrow a sum of money to begin business; and then a policy of insurance, with two or three premiums paid, smooths the difficulty. Everybody should make a will, and everybody should insure his life."
"Well then, sir, I will do both."
"Stop!" said Mr. Carden, who could now afford to be candid. "First of all, you ought to satisfy yourself of the flourishing condition of the company. He handed him a prospectus. "This will show you our capital, and our disbursements last year, and the balance of profit declared. And this gives the balance sheet of the 'Vulture' and the 'Falcon,' which have assigned their business to us, and are now incorporated in the 'Gosshawk.'"
"Oh, what a voracious bird!" observed Grace. "I hope these other chickabiddies will not prove indigestible. Were they plucked first, papa? or did the 'Gosshawk' swallow them feathers and all?"
Little laughed heartily at this pert sally, but Mr. Carden winced under it.
Then Grace saw she was not quite weaponless, and added, "After such a meal, as that, Mr. Little, you will go down like a crumb."
"Grace, that is enough," said Mr. Carden, rather severely.
Grace held her tongue directly, and the water came into her eyes.
Anything like serious remonstrance was a novelty to her.
When Henry had read the papers, Mr. Carden asked him, rather carelessly, what sum he wished to be insured for.
Now Henry had so little wish about the matter, that he had not given it a thought, and the question took him quite aback. He looked helplessly at Jael. To his surprise, she decided on the sum for him, without a moment's hesitation, and conveyed the figure with that dexterity which the simplest of her sex can command whenever telegraphy is wanted. She did it with two unbroken movements; she put up all the fingers of her right hand to her brow, and that meant five: then she turned her hand rapidly, so as to hide her mouth from the others, who were both on her right hand, and she made the word thousand clear, with her lips and tongue, especially the "th."
But the sum staggered Henry; and made him think he must be misinterpreting her.
He hesitated, to gain time. "Hum!" said he, "the sum?"
Jael repeated her pantomime as before.
Still Henry doubted, and, to feel his way, said, half interrogatively, "Five--thou--sand?"
Jael nodded.
"Five thousand pounds," said Henry, as bold as brass.
"Five thousand pounds!" cried Mr. Carden. "A workman insure his life for five thousand pounds!"
"Well, a man's life is worth five thousand pounds, or it is worth nothing. And, sir, how long do you think I shall be a workman, especially in Hillsborough, where from workman to master is no more than hopping across a gutter?"
Mr. Carden smiled approval. "But five thousand pounds! The annual premium will be considerable. May I ask about how much you make a year?"
"Oh, papa!"
"Well, sir, Mr. Cheetham pays me L300 a year, at the rate of, and I can make another L100 by carving at odd times. But, if you doubt my ability, let us stay as we are, sir. It was your proposal, not mine, you know."
"Young man," said Mr. Carden, "never be peppery in business." He said this so solemnly and paternally, it sounded like the eleventh commandment.
To conclude, it was arranged Henry should take the higher class of insurance, which provided for accidents, voyages, everything, and should be insured for L5000, provided the physician appointed by the company should pronounce him free from disease.
Henry then rose, and said, sorrowfully, to Grace, "You will not see me here very often now; and never on Saturday afternoon or Monday morning. I am not going to have some blackguard tracking me, and flinging a can of gunpowder in at your window. When I do come, it will be in the morning, and on a working day; and I shall perhaps go ten miles round to get here. It must be diamond cut diamond, for many a month to come, between the Trades and me." He uttered these words with manly gravity, as one who did not underrate the peril he was resolved to face; and left them with a respectful bow.
"That's a rising man," said Mr. Carden; "and may draw a hundred of his class to the 'Gosshawk.' It was a good stroke of business, quite out of the common."
Grace said not a word, but she shook her head and looked pained and ill at ease. Jael watched her fixedly.
Henry called at the works that night, and examined the new defenses, with Mr. Cheetham. He also bought a powerful magnifying-glass; and next morning he came to the factory, examined the cinders, and everything else, with the magnifier, lighted his forge, and resumed his work.
At dinner-time he went out and had his chop, and read the Liberal; it contained a letter from Jobson, in reply to the editor.
Jobson deplored the criminal act, admitted that the two Unions had decided no individual could be a forger, a handler, and a cutler; such an example was subversive of all the Unions in the city, based, as they were, on subdivision of crafts. "But," said Mr Jobson, "we were dealing with the matter in a spirit quite inconsistent with outrages, and I am so anxious to convince the public of this, that I have asked a very experienced gentleman to examine our minute-books, and report accordingly."
