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Forty years ago Mr. Savory Gray was a prosperous merchant. No gentleman on ‘Change wore more spotless linen or blacker broadcloth. His ample white cravat had an air of absolute wisdom and honesty. It was so very white that his fellow-merchants could not avoid a vague impression that he had taken the church on his way down town, and had so purified himself for business. Indeed a white cravat is strongly to be recommended as a corrective and sedative of the public mind. Its advantages have long been familiar to the clergy; and even, in some desperate cases, politicians have found a resort to it of signal benefit. There are instructive instances, also, in banks and insurance offices of the comfort and value of spotless linen. Combined with highly-polished shoes, it is of inestimable mercantile advantage.

Mr. Gray prospered in business, and nobody was sorry. He enjoyed his practical joke and his glass of Madeira, which had made at least three voyages round the Cape. His temperament, like his person, was just unctuous enough to enable him to slip comfortably through life.

Happily for his own comfort, he had but a speaking acquaintance with politics. He was not a blue Federalist, and he never d’d the Democrats. With unconscious skill he shot the angry rapids of discussion, and swept, by a sure instinct, toward the quiet water on which he liked to ride. In the counting-room or the meeting of directors, when his neighbors waxed furious upon raking over some outrage of that old French infidel, Tom Jefferson, as they called him, sending him and his gun-boats where no man or boat wants to go, Mr. Gray rolled his neck in his white cravat, crossed his legs, and shook his black-gaitered shoe, and beamed, and smiled, and blew his nose, and hum’d, and ha’d, and said, “Ah, yes!” “Ah, indeed?” “Quite so!” and held his tongue.

Mr. Savory Gray minded his own business; but his business did not mind him. There came a sudden crash—one of the commercial earthquakes that shake fortunes to their foundations and scatter failure on every side. One day he sat in his office consoling his friend Jowlson, who had been ruined. Mr. Jowlson was terribly agitated—credit gone—fortune wrecked—no prospects—“O wife and children!” he cried, rocking to and fro as he sat.

“My dear Jowlson, you must not give way in this manner. You must control your feelings. Have we not always been taught,” said Mr. Gray, as a clerk brought in a letter, the seal of which the merchant broke leisurely, and then skimmed the contents as he continued, “that riches have wings and—my God!” he ejaculated, springing up, “I am a ruined man!”

So he was. Every thing was gone. Those pretty riches that chirped and sang to him as he fed them; they had all spread their bright plumage, like a troop of singing birds—have we not always been taught that they might, Mr. Jowlson?—and had flown away.

To undertake business anew was out of the question. His friends said, “Poor Gray! what shall be done?”

The friendly merchants pondered and pondered. The worthy Jowlson, who had meanwhile engaged as book-keeper upon a salary of seven hundred dollars a year—one of the rare prizes—was busy enough for his friend, consulting, wondering, planning. Mr. Gray could not preach, nor practice medicine, nor surgery, nor law, because men must be instructed in those professions; and people will not trust a suit of a thousand dollars, or a sore throat, or a broken thumb, in the hands of a man who has not fitted himself carefully for the responsibility. He could not make boots, nor build houses, nor shoe horses, nor lay stone wall, nor bake bread, nor bind books. Men must be educated to be shoemakers, carpenters, blacksmiths, bakers, masons, or book-binders. What could be done? Nobody suggested an insurance office, or an agency for diamond mines on Newport beach; for, although it was the era of good feeling, those ingenious infirmaries for commercial invalids were not yet invented.

“I have it!” cried Jowlson, one day, rushing in, out of breath, among several gentlemen who were holding a council about their friend Gray—that is, who had met in a bank parlor, and were talking about his prospects—“I have it! and how dull we all are! What shall he do? Why, keep a school, to be sure!—a school!—a school! Take children, and be a parent to them!”

“How dull we all were!” cried the gentlemen in chorus. “A school is the very thing! A school it shall be!” And a school it was.

Upon the main street of the pleasant village of Delafield Savory Gray, Esq., hired a large house, with an avenue of young lindens in front, a garden on one side, and a spacious play-ground in the rear. The pretty pond was not far away, with its sloping shores and neat villas, and a distant spire upon the opposite bank—the whole like the vignette of an English pastoral poem. Here the merchant turned from importing pongees to inculcating principles. His old friends sent some of their children to the new school, and persuaded their friends to send others. Some of his former correspondents in other parts of the world, not entirely satisfied with the Asian and East Indian systems of education, shipped their sons to Mr. Gray. The good man was glad to see them. He was not very learned, and therefore could not communicate knowledge. But he did his best, and tried very hard to be respected. The boys did not learn any thing; but they had plenty of good beef, and Mr. Gray played practical jokes upon them; and on Sundays they all went to hear Dr. Peewee preach.