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Wealth. That brings me to Wavenhoe’s Bank. It was Mr Bransby who first mentioned its name to me. I never went there, never met old Mr Wavenhoe himself until he was on his deathbed, but Wavenhoe’s was the chain that bound us all together, the British and the Americans, the Frants and the Carswalls, Charlie and Edgar. Money plays its own tune, and in our different ways we all found ourselves dancing to it.

Early in October, I applied to Bransby for leave to go up to Town. It was on that occasion that he mentioned Wavenhoe’s. I needed to visit London because Mr Rowsell had papers for me to sign, and I wished to collect the few shillings that Mrs Jem owed me. He made no difficulty about my request.

“Upon one condition, however,” he went on. “I should like you to go on Tuesday. Then you may undertake two errands for me while you are there. Not that you will find them onerous – quite the reverse, I fancy. When you travel up to Town, you will take the boy Allan with you and leave him at his parents’ house in Southampton-row. Number thirty-nine. His father writes that his mother desires to have him measured for a suit of clothes against the winter.”

“Will I collect him on my way back, sir?”

“No. I understand he is to return later in the evening, and that Mr Allan will make the arrangements. Once you have left him at his father’s house, you may discharge your own business. But afterwards I wish you to call at a house in Russell-square so that you may convey a new pupil to the school. Or rather, he will convey you. The boy’s father tells me he will order the carriage.” Bransby leant back in his chair, his body pressing against his waistcoat buttons. “His name is Frant.”

I nodded. I remembered the lady who had smiled at me at the gate of the school, and also the man who had nearly set his servants on to me as I walked up Ermine-street. I felt my pulse beating somewhere among the fingers of my clasped hands.

“Master Frant should suit us very well. His father is one of the partners of Wavenhoe’s Bank. A very sound concern indeed.”

“How old is the boy, sir?”

“Ten or eleven. As it happens, this school was commended to Mr Frant by Allan’s father. He is an American of Scottish descent, but resident in London. I understand that he and Mr Frant have conducted business together. Mark this well, Shield: first, a satisfied parent will share his satisfaction with other parents; second, Mr Frant is a gentleman-like man who not only moves in good society but meets wealthy men in the course of his business. Wealthy men have sons who require an education. I would wish you to make a particularly good impression, therefore, on Mr and Mrs Allan and Mr and Mrs Frant.”

“I shall endeavour to do so, sir.”

Bransby leant forward across the desk so that he could study me more closely. “I am confident that your manner will be everything that is appropriate. But I must confess – and pray do not take this amiss – that some alteration to your dress might be desirable. I advanced you a small sum for clothing, did I not, but perhaps not enough?”

I began to speak: “It is unfortunate, sir, that –”

“And, indeed,” Bransby rushed on, his colour darkening, “you have now been with us for nearly a month and your work has, on the whole, been satisfactory. That being so, from next quarterday I propose to pay you a salary of twelve pounds a year, as well as your board and lodging. It is on the understanding, naturally, that your dress will be appropriate to an usher at this establishment and that your conduct continues to give satisfaction in all respects. In the circumstances, I am minded to advance you perhaps half of your first quarter’s salary so that you may make the necessary purchases.”

Three days later, on Tuesday, 5th October, I travelled up to London. Young Allan sat as far away as possible from me in the coach and replied in monosyllables to the questions I put to him. I delivered the boy into the care of a servant at his parents’ house. I had taken but a few steps along the pavement when I felt a hand on my sleeve. I stopped and turned.

“Your pardon, sir.”

A tall man in a shabby green coat inclined his trunk forward from the waist. He wore a greasy wig, thick blue spectacles and a spreading beard like the nest of an untidy bird.

“I am looking – looking for the residence of an acquaintance.” He had a low, booming voice, the sort that makes glasses vibrate. “An American gentleman – a Mr Allan. I wonder whether that might be his house.”

“It is indeed.”

“Ah – you are most obliging, sir – so the boy you were with must be his son?” He swayed as he spoke. “A handsome boy.”

I bowed. The man’s face was turned away from me but his breath smelt faintly of spirits and strongly of rotting teeth or an infection of the gums. He was not intoxicated, though, or rather not so it affected his actions. I thought he was perhaps the sort of man who is at his most sober when a little elevated.

“Mr Shield, sir!”

I turned back to the Allans’ house. The servant had opened the door.

“There was a message from Mrs Allan, sir. She wishes to keep Master Edgar until tomorrow. Mr Allan’s clerk will bring him back to Stoke Newington in the morning.”

“Very good,” I said. “I will inform Mr Bransby.”

Without a word of farewell, the man in the green coat walked rapidly in the direction of Holborn. I followed, for my next destination was beyond it, at Lincoln’s Inn. The man glanced over his shoulder, saw me strolling behind him and began to walk more quickly. He knocked against a woman selling baskets and she shrieked abuse at him, which he ignored. He turned into Vernon-row. By the time I reached the corner, there was no sign of him.

I thought perhaps the man in the green coat had mistaken me, or someone behind me, for a creditor. Or he had accelerated his pace for quite a different reason, unconnected with his looking back. I dismissed him from my mind and continued to walk southwards. But the incident lodged itself in my memory, and later I was to be thankful that it had.

At Mr Rowsell’s chambers in Lincoln’s Inn, his clerk had the papers ready for me to sign. But as I was about to take my leave, the lawyer himself came out of his private room and shook me by the hand with unexpected cordiality.

“I give you joy of your inheritance. You are somewhat changed, Mr Shield, if I may say so without impertinence. And for the better.”

“Thank you, sir.”

“A new coat, I fancy? You have begun to spend your new wealth?”

I smiled at Mr Rowsell, responding to the good humour in his face rather than the words. “I have not touched my aunt’s money yet.”

“What will you do with it?”

“I shall place it in a bank for a few months. I do not wish to rush into a venture I might later regret.” I hesitated, then added upon impulse: “My employer Mr Bransby happened to mention that Wavenhoe’s is a sound concern.”

“Wavenhoe’s, eh?” Rowsell shrugged. “They have a good name, it is true, but lately there have been rumours – not that that means anything; the City is a perfect rumour mill, you understand, turning ceaselessly, grinding yesterday’s idle speculations into tomorrow’s facts. Mr Wavenhoe himself is an old man, and they say he delegates much of the day-to-day business of the bank to his partners.”

“And that is a cause of unease?”

“Not exactly. But the City does not like change, it may be no more than that. And if Mr Wavenhoe retires, or even dies, his absence may have an effect on confidence in the bank. That is no reflection on the bank itself necessarily, merely on human nature. If you wish, I shall make some inquiries on your behalf.”

I dined at an ordinary among plump lawyers and skinny clerks. My business had taken longer than I had anticipated, and I resolved to postpone my visit to Mrs Jem in Gaunt-court. After dinner, comfortable with beef and beer, I made my way up Southampton-row, passing the Allans’ house. It was a fine autumn afternoon. With my new coat, my new position and my new fortune, I felt I had become a different Tom Shield altogether from the one I had been less than a month before.

As I walked, I observed the passers-by – chiefly the women. My eyes clung to a face beneath a bonnet, a pretty foot peeping beneath the hem of a dress, the curve of a forearm, the swell of a breast, a pair of bright eyes. I heard their laughter, their whispers. I smelt their perfume. Dear God, I was like a boy with his face pressed against the pastry-cook’s window.

One struck me in particular, a tall woman with black hair, a high colour, and a fine full figure; as she climbed into a hackney I thought for an instant that she was Fanny, the girl I had once known, not as she had been then but as she might have become; and for a moment or two a cloud covered my happiness.