As his master, however, rarely paid for anything until he was in possession of returns from it that exceeded the debt some seven-fold, he began to think the old man was alluding to the advantages he obtained in the way of credit, and after a little more cogitation, he ventured to say as much.
Again my maternal grandfather indulged in a hearty fit of laughter.
"Thou art clever in thy way, Tom," he said, "and I like the minuteness of thy calculations, for they show an aptitude for trade; but there is genius in our calling as well as cleverness.

Come hither, boy," he added, drawing Tom to a window whence they could see the neighbors on their way to church, for it was on a Sunday that my two provident progenitors indulged in this moral view of humanity, as best fitted the day, "come hither, boy, and thou shalt see some small portion of that capital which thou seemest to think hid, stalking abroad by daylight, and in the open streets.

Here, thou seest the wife of our neighbor, the pastry-cook; with what an air she tosses her head and displays the bauble thou sold'st her yesterday: well, even that slattern, idle and vain, and little worthy of trust as she is, carries about with her a portion of my capital!" My worthy ancestor stared, for he never knew the other to be guilty of so great an indiscretion as to trust a woman whom they both knew bought more than her husband was willing to pay for.
"She gave me a guinea, master, for that which did not cost a seven-shilling piece!" "She did, indeed, Tom, and it was her vanity that urged her to it.

I trade upon her folly, younker, and upon that of all mankind; now dost thou see with what a capital I carry on affairs?
There--there is the maid, carrying the idle hussy's patterns in the rear; I drew upon my stock in that wench's possession, no later than the last week, for half-a-crown!" Tom reflected a long time on these allusions of his provident master, and although he understood them about as well as they will be understood by the owners of half the soft humid eyes and sprouting whiskers among my readers, by dint of cogitation he came at last to a practical understanding of the subject, which before he was thirty he had, to use a French term, pretty well exploite.
I learn by unquestionable tradition, received also from the mouths of his contemporaries, that the opinions of my ancestor underwent some material changes between the ages of ten and forty, a circumstance that has often led me to reflect that people might do well not to be too confident of the principles, during the pliable period of life, when the mind, like the tender shoot, is easily bent aside and subjected to the action of surrounding causes.
During the earlier years of the plastic age, my ancestor was observed to betray strong feelings of compassion at the sight of charity-children, nor was he ever known to pass a child, especially a boy that was still in petticoats, who was crying with hunger in the streets, without sharing his own crust with him.

Indeed, his practice on this head was said to be steady and uniform, whenever the rencontre took place after my worthy father had had his own sympathies quickened by a good dinner; a fact that maybe imputed to a keener sense of the pleasure he was about to confer.
After sixteen, he was known to converse occasionally on the subject of politics, a topic on which he came to be both expert and eloquent before twenty.