is hevenings to helegant sosiaty at his Clubb, or with his
hadord Hemily. He had no cares; no detts; no egstravigancies; he never
was known to ride in a cabb, unless one of his tip-top friends lent it
him; to go to a theayter unless he got a horder; or to henter a tavern
or smoke a cigar. If prosperraty was hever chocked out, it was for that
young man.

"But SUCKMSTANCES arose. Fatle suckmstances for pore Frederick Timmins.
The Railway Hoperations began.

"For some time, immerst in lor and love, in the hardent hoccupations
of his cheembers, or the sweet sosiaty of his Hemily, Frederick took no
note of railroads. He did not reckonize the jigantic revalution which
with hiron strides was a walkin over the country. But they began to be
talked of even in HIS quiat haunts. Heven in the Hoxford and Cambridge
Clubb, fellers were a speculatin. Tom Thumper (of Brasen Nose) cleared
four thousand lb.; Bob Bullock (of Hexeter), who had lost all his
proppaty gambling, had set himself up again; and Jack Deuceace, who
had won it, had won a small istate besides by lucky specklations in the
Share Markit.

"HEVERY BODY WON. 'Why shouldn't I?' thought pore Fred; and having saved
100 lb., he began a writin for shares--using, like an ickonominicle
feller as he was, the Clubb paper to a prodigious igstent. All the
Railroad directors, his friends, helped him to shares--the allottments
came tumbling in--he took the primmiums by fifties and hundreds a day.
His desk was cramd full of bank notes: his brane world with igsitement.

"He gave up going to the Temple, and might now be seen hall day about
Capel Court. He took no more hinterest in lor; but his whole talk was
of railroad lines. His desk at Mr. Bluebag's was filled full of
prospectisises, and that legal gent wrote to Fred's uncle, to say he
feared he was neglectin his bisniss.

"Alass! he WAS neglectin it, and all his sober and industerous habits.
He begann to give dinners, and thought nothin of partys to Greenwich
or Richmond. He didn't see his Hemily near so often: although the
hawdacious and misguided young man might have done so much more heasily
now than before: for now he kep a Broom!

"But there's a tumminus to hevery Railway. Fred's was approachin: in an
evil hour he began making TIME-BARGINGS. Let this be a warning to all
young fellers, and Fred's huntimely hend hoperate on them in a moral
pint of vu!

"You all know under what favrabble suckemstanses the Great Hafrican
Lin