died before the time at which our story is supposed to commence. He had been a poor sickly creature, always ailing, gifted with an affectionate nature, and a great respect for the blood of the Mackenzies, but not gifted with much else that was intrinsically his own. The blood of the Mackenzies was, according to his way of thinking, very pure blood indeed; and he had felt strongly that his brother had disgraced the family by connecting himself with that man Rubb, in the New Road. He had felt this the more strongly, seeing that "Rubb and Mackenzie" had not done great things in their trade. They had kept their joint commercial head above water, but had sometimes barely succeeded in doing that. They had never been bankrupt, and that, perhaps, for some years was all that could be said. If a Mackenzie did go into trade, he should, at any rate, have done better than this. He certainly should have done better than this, seeing that he started in life with a considerable sum of money.

Old Mackenzie,—he who had come from Scotland,—had been the first-cousin of Sir Walter Mackenzie, baronet, of Incharrow, and he had married the sister of Sir John Ball, baronet, of the Cedars, Twickenham. The young Mackenzies, therefore, had reason to be proud of their blood. It is true that Sir John Ball was the first baronet, and that he had simply been a political Lord Mayor in strong political days,—a political Lord Mayor in the leather business; but, then, his business had been undoubtedly wholesale; and a man who gets himself to be made a baronet cleanses himself from the stains of trade, even though he have traded in leather. And then, the present Mackenzie baronet was the ninth of the name; so that on the higher and nobler side of the family, our Mackenzies may be said to have been very strong indeed. This strength the two clerks in Somerset House felt and enjoyed very keenly; and it may therefore be understood that the oilcloth manufactory was much out of favour with them.

When Tom Mackenzie was twenty-five—"Rubb and Mackenzie" as he afterwards became—and Walter, at the age of twenty-one, had been for a year or two placed at a desk in Somerset House, there died one Jonathan Ball, a brother of the baronet Ball, leaving all he had in the world to the two brother Mackenzies. This all was by no means a trifle, for each brother received about twelve thousand pounds when the opposing lawsuits instituted by the Ball family were finished. These opposing lawsuits were carried on with great vigour, but with no success on the Ball side, for three years. By that time, Sir John Ball, of the Cedars, was half ruined, and the Mackenzies got their money. It is needless to say much to 

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