Tregear is not a bad fellow at all.

He's always with Silverbridge.

When Silverbridge does what Tregear tells him, he goes along pretty straight.

But unfortunately there's another man called Tifto, and when Tifto is in the ascendant then Silverbridge is apt to get a little astray." "He's not in debt, then ?" "Who ?--Tregear?
I should think he's the last man in the world to owe a penny to any one." "Is he a betting man ?" "Oh dear no; quite the other way up.

He's a severe, sarcastic, bookish sort of fellow,--a chap who knows everything and turns up his nose at people who know nothing." "Has he got anything of his own ?" "Not much, I should say.