lth of seams and wrinkles about his face and
what could be seen of his neck, and much grizzled hair, and an eye--only
one being visible--that looked as if it had been on the watch ever since
he was born. He was a fellow of evident great strength and stout muscle,
and his hands, which he had clasped in front of him as he sat talking to
me, were big enough to go round another man's throat, or to fell a
bullock. And as for the rest of his appearance, he had gold rings in his
ears, and he wore a great, heavy gold chain across his waistcoat, and was
dressed in a new suit of blue serge, somewhat large for him, that he had
evidently purchased at a ready-made-clothing shop, not so long before.

My mother came quietly in upon us before I could reply to the stranger's
last remark, and I saw at once that he was a man of some politeness and
manners, for he got himself up out of his chair and made her a sort of
bow, in an old-fashioned way. And without waiting for me, he let his
tongue loose on her.

"Servant, ma'am," said he. "You'll be the lady of the house--Mrs.
Moneylaws. I'm seeking lodgings, Mrs. Moneylaws, and seeing your paper
at the door-light, and your son's face at the window, I came in. Nice,
quiet lodgings for a few weeks is what I'm wanting--a bit of plain
cooking--no fal-lals. And as for money--no object! Charge me what you
like, and I'll pay beforehand, any hand, whatever's convenient."

My mother, a shrewd little woman, who had had a good deal to do since my
father died, smiled at the corners of her mouth as she looked the
would-be lodger up and down.

"Why, sir," said she. "I like to know who I'm taking in. You're a
stranger in the place, I'm thinking."

"Fifty years since I last clapped eyes on it, ma'am," he answered. "And I
was then a youngster of no more than twelve years or so. But as to who
and what I am--name of James Gilverthwaite. Late master of as good a ship
as ever a man sailed. A quiet, respectable man. No swearer. No
drinker--saving in reason and sobriety. And as I say--money no object,
and cash down whenever it's wanted. Look here!"

He plunged one of the big hands into a trousers' pocket, and pulled it
out again running over with gold. And opening his fingers he extended
the gold-laden palm towards us. We were poor folk at that time, and it
was a strange sight to us, all that money lying in the man's hand, and
he apparently thinking no more of it than if it had been a heap of
six-penny pieces.