The Conclusion.  
There came a day at last when the rats in Redwharf Lane obtained an entire holiday, doubtless to their own amazement, and revelled in almost unmolested felicity from morning till night. The office of Denham, Crumps, and Company was shut; the reason being that the head of the firm was dead.
 
Mr Denham had died without a will.
 
At the time when Guy offended his uncle by expressing his opinion too freely, Denham vowed in his heart that his nephew should not inherit his business or fortune. He resolved to leave both to another nephew, the son of a younger brother, at that time in the East India Company’s service. But as death was a contingency inconceivably remote from himself, at least in his own opinion, he did not think it necessary to make his will at that time. He died, therefore, as we have said, without making it.
 
He died, also, without carrying out any of his good intentions!
 
It is a common mistake to suppose that a man has only to repent of his evil deeds, and that thenceforth all will be plain sailing. The habits of a lifetime are not to be overcome without a hard struggle, even in the most sincere of Christians.
 
Denham, after being saved by the Ramsgate lifeboat, had made up his mind to turn his wealth to good account, and, in his philanthropic plans, had resolved to look with special favour on the Lifeboat Institution. But he delayed to carry out these plans. He did not strike when the iron was hot, and so the iron began slowly to cool. He had also determined to reinstate Bax in his employment, and to take Guy into partnership, but he delayed in these matters also. The love of gold and the memory of fancied insults began to tell on him, as of old. He even went so far as to meditate carrying out his former intention of making his will in favour of the nephew in India!
 
Still Denham did not fall back to his old position. A struggle which began when he resided with his sister at Deal, went on in his breast continually. While this struggle was yet undecided, a fever seized him. His constitution, weakened by the hardships which he had so recently undergone, gave way, and he died.
 
The result was that the business fell to the next-of-kin,—Mrs Foster, whose son, in the natural course of things, stepped into his uncle’s shoes. The result of this was that poor Denham’s good resolves, and a great many more good resolves than Denham could ever have conceived of, were carried out in a way that would have amazed him had he been there to see it, and that almost took the breath away from old Mr Crumps.
 
A glance at Guy in his office, not long after his uncle’s death, will show the reader how things were managed by the new head of the firm.
 
Guy was seated in Denham’s chair, at Denham’s desk, reading and writing what, in former days, would have been Denham’s letters. Presently Mr Crumps entered.
 
“I was just going to ask you to consult with me,” said Guy; “pray sit down, sit down, Mr Crumps.”
 
The old man in his modesty meant to stand, as, in former days, he would have stood before Denham.
 
“Here is a letter from a friend,” continued Guy, “asking for a contribution towards the establishment of a lifeboat on the coast of Wales. He reminds me that I myself was once indebted to the services of a lifeboat when my life was in great danger, and hopes that I will respond liberally to his appeal. His name is Clelland. He was on board the old ‘Trident,’ when she was wrecked in Saint Margaret’s Bay. I made his acquaintance then. Now, what do you think we ought to give? I should like to have your advice on this point, and on several other matters of a similar nature, Mr Crumps, because there has been no regular ‘Charity’ account in our ledger, I find, and I would like to open one. Don’t you think it would be as well to open one?”
 
Mr Crumps thought it would, and—being a man of naturally charitable and liberal impulses, who had been constantly snubbed by Mr Denham for many years past—he felt overjoyed at the prospect of a new era opening up before him.
 
“Well, what shall we send to Mr Clelland?” pursued Guy. Mr Crumps, unable all at once to get over old habits and associations, suggested fifty pounds, timidly.
 
“The district is a poor one,” said Guy; “perhaps, that being the case—”
 
“Say a hundred,” put in Crumps eagerly (and then, in a partially apologetic tone), “the business can afford it, my dear sir. Heaven knows it is but little that—”
 
The old man’s voice faltered and stopped. He was going to have made a remark that would have cast a slur on the character of his late partner, so he checked himself and sighed.
 
“Well, then, it shall be a hundred,” said Guy, jotting down the sum on a slip of paper. “I would not advise more to be given to that particular district just now, because it might tend to check the efforts of the people on the spot. If they fail to raise the requisite sum, we can then give what is necessary. Now, there is an urgent appeal for funds being made just now to the public by the Lifeboat Institution. I think this a good opportunity to give away some of the cash which ought to have been—”
 
Guy hesitated. He too was about to make a remark that would have been unfavourable to the character of his late uncle, so he checked himself.
 
“What do you say to giving them a thousand pounds?”
 
Mr Crumps said nothing to it. He was too much taken aback to say anything; but when he saw that Guy had jotted the sum down, and was apparently in earnest, he nodded his head, blew his nose violently, for a man of his years and character, and chuckled.
 
“Well, then,” continued Guy, “there is another subject which occurs to me just now, although it does not come under the head of charities. I wish to supply a ship’s lifeboat to every vessel that belongs to us, and a set of life-belts, besides other things. I estimate that this ............