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ONE:In the course of this commercial madness the imports greatly exceeded the exports, and there was consequently a rapid drain of specie from the country. The drain of bullion from the Bank of England was immense. In August, 1823, it had ��12,658,240, which in August, 1825, was reduced to ��3,634,320, and before the end of the year it ran as low as ��1,027,000. Between July, 1824, and August, 1825, twelve millions of cash were exported from Great Britain, chiefly to South America. During the Revolutionary war, which had lasted for fourteen years, the capital of the country had been completely exhausted, while all productive labour had been abandoned. The unworked mines were filled with water. They were accessible, it is true, to English speculators, but they were worked exclusively with English capital. The South American mining companies were so many conduits through which a rapid stream of gold flowed from Great Britain. The catastrophe that followed took the commercial world by surprise; even the Chancellor of the Exchequer failed to anticipate the disaster. On the contrary, his Budget of 1825 was based upon the most sanguine expectations for the future, and on the assurance that the public prosperity was the very reverse of what was ephemeral and peculiar, and that it arose from something inherent in the nation. Even at the prorogation of Parliament in July, the Royal Speech referred to the "great and growing" prosperity on which his Majesty had the happiness of congratulating the country at the beginning of the Session. The commercial crisis, however, with widespread ruin in its train, was fast coming upon Britain. Vast importations, intended to meet an undiminished demand at high prices, glutted all the markets, and caused prices to fall rapidly. Merchants sought accommodation from their bankers to meet pressing liabilities, that they might be enabled to hold over their goods till prices rallied. This accommodation the bankers were unable to afford, and sales were therefore effected at a ruinous loss. The South American mines, it was found, could not be worked at a profit, and they made no return for the twenty million pounds of British money which they had swallowed up. The effect was a sudden contraction of the currency, and a general stoppage of banking accommodation. The country banks, whose issues had risen to ��14,000,000, were run upon till their specie was exhausted, and many of them were obliged to stop payment. The Plymouth Bank was the first to fail, and in the next three weeks seventy banks followed in rapid succession. The London houses were besieged from morning to night by clamorous crowds, all demanding gold for their notes. Consternation spread through all classes. There was a universal pressure of creditors upon debtors, the banks that survived being themselves upon the edge of the precipice; and the Bank of England itself, pushed to the last extremity, peremptorily refused accommodation even to their best customers. Persons worth one hundred thousand pounds could not command one hundred pounds; money seemed to have taken to itself wings and fled away, reducing a state of society in the highest degree artificial almost to the condition of primitive barbarism, which led Mr. Huskisson to exclaim, "We were within twenty-four hours of barter."

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THREE:The temper of Townshend was warm, though his nature was upright; and in this mood, a discussion taking place on foreign affairs at the house of Colonel Selwyn, the dispute became so heated that Walpole declared that he did not believe what Townshend was saying. The indignant Townshend seized Walpole by the collar, and they both grasped their swords. Mrs. Selwyn shrieked for assistance, and the incensed relatives were parted; but they never could be reconciled, and, after making another effort to obtain the dismissal of Newcastle, and to maintain his own position against the overbearing Walpole, Townshend resigned on the 16th of May. He retired to Reynham, and passed the remainder of his life in rural pursuits. One of the greatest benefits which he conferred on this country he conferred after his retirement��that of introducing the turnip from Germany.THE QUEEN'S FIRST COUNCIL.

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FORE:Indeed, Mr. O'Connell's agitating tour in the North of England and in Scotland was in effect a crusade against the Lords. In a speech which he addressed to an immense assemblage of the working classes of Manchester, he said, if there were only one House of Parliament, a majority of that House, perhaps a faction, might become the rulers of the entire nation. He was, therefore, for two Houses, but they should be honest and competent. Why should a man be a legislator because his father was one? It was as reasonable to expect that a man would be a good tailor on the hereditary principle. The Lords had proved themselves to be arrant botchers in the work of[393] legislation. Were they to have 170 masters of that class? He then proceeded in this strain:��"Will you endure that any gang or banditti, I care not by what name you call them, should treat you contemptuously? In one word, I call them rogues. We must put down the House of Lords. Ye are miserable minions of power. Ye have no choice for yourselves till that House be thoroughly reformed. Let the king retain his prerogative of raising men to that rank and station to which they may be eligible. Let every 200,000 men in Great Britain and Ireland select one lord from this list; that will give you 120 for the 24,000,000; let them be re-eligible every five years, and you will have a steady Chamber." Still, the outrageous attacks of Mr. O'Connell gave much offence, and when, on his return to Dublin after his crusade, he was invited to dinner by the Lord-Lieutenant, a violent storm was raised against the Government, and the king was greatly indignant.

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TWO:The next novelist who appeared was of a very different school. Richardson was an elaborate anatomist of character; Fielding and Smollett were master painters of life and manners, and threw in strong dashes of wit and humour; but they had little sentiment. In Laurence Sterne (b. 1713; d. 1768) came forth a sentimentalist, who, whilst he melted his readers by touches of pathos, could[174] scarcely conceal from them that he was laughing at them in his sleeve. The mixture of feeling, wit, double entendre, and humour of the most subtle and refined kind, and that in a clergyman, produced the oddest, and yet the most vivid, impressions on the reader. The effect was surprise, pleasure, wonder, and no little misgiving; but the novelty and charm of this original style were so great that they carried all before them, but not without the most violent censures from the press on his indecencies, especially considering his position as a clergyman. Sterne was the grandson of that Richard Sterne, a native of Mansfield, in Nottinghamshire, who was chaplain to Archbishop Laud, and attended him on the scaffold. Laurence Sterne was the son of a lieutenant in the army, and was born at Clonmel, in Ireland, his grandfather having then become Archbishop of York. Sterne, therefore, on taking orders, was on the way of preferment, and received the rectory of Stillington and the perpetual curacy of Coxwold, both in Yorkshire. There he wrote not only sermons, but satire, particularly his "History of a Watchcoat." But it was his novel of "Tristram Shandy" which brought him into sudden popularity. After this, his "Sentimental Journey" completed his reputation; and his Maria and her lamb, his uncle Toby, Corporal Trim, Yorick, Doctor Slop, the widow Wadman, and his lesser characters, usurped for a long period the tears and laughter of the nation.

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