An excerpt from the original text.(complete · 2392 words)
ive Years Later
Tellson’s Bank by Temple Bar was an old-fashioned place, even in the
year one thousand seven hundred and eighty. It was very small, very
dark, very ugly, very incommodious. It was an old-fashioned place,
moreover, in the moral attribute that the partners in the House were
proud of its smallness, proud of its darkness, proud of its ugliness,
proud of its incommodiousness. They were even boastful of its eminence
in those particulars, and were fired by an express conviction that, if
it were less objectionable, it would be less respectable. This was
no passive belief, but an active weapon which they flashed at more
convenient places of business. Tellson’s (they said) wanted
no elbow-room, Tellson’s wanted no light, Tellson’s wanted no
embellishment. Noakes and Co.’s might, or Snooks Brothers’ might; but
Tellson’s, thank Heaven--!
Any one of these partners would have disinherited his son on the
question of rebuilding Tellson’s. In this respect the House was much
on a par with the Country; which did very often disinherit its sons for
suggesting improvements in laws and customs that had long been highly
objectionable, but were only the more respectable.
Thus it had come to pass, that Tellson’s was the triumphant perfection
of inconvenience. After bursting open a door of idiotic obstinacy with
a weak rattle in its throat, you fell into Tellson’s down two steps,
and came to your senses in a miserable little shop, with two little
counters, where the oldest of men made your cheque shake as if the
wind rustled it, while they examined the signature by the dingiest of
windows, which were always under a shower-bath of mud from Fleet-street,
and which were made the dingier by their own iron bars proper, and the
heavy shadow of Temple Bar. If your business necessitated your seeing
“the House,” you were put into a species of Condemned Hold at the back,
where you meditated on a misspent life, until the House came with its
hands in its pockets, and you could hardly blink at it in the dismal
twilight. Your money came out of, or went into, wormy old wooden
drawers, particles of which flew up your nose and down your throat when
they were opened and shut. Your bank-notes had a musty odour, as if they
were fast decomposing into rags again. Your plate was stowed away among
the neighbouring cesspools, and evil communications corrupted its good
polish in a day or two. Your deeds got into extemporised strong-rooms
made of kitchens and sculleries, and fretted all the fat out of their
parchments into the banking-house air. Your lighter boxes of family
papers went up-stairs into a Barmecide room, that always had a great
dining-table in it and never had a dinner, and where, even in the year
one thousand seven hundred and eighty, the first letters written to you
by your old love, or by your little children, were but newly released
from the horror of being ogled through the windows, by the heads
exposed on Temple Bar with an insensate brutality and ferocity worthy of
Abyssinia or Ashantee.
But indeed, at that time, putting to death was a recipe much in vogue
with all trades and professions, and not least of all with Tellson’s.
Death is Nature’s remedy for all things, and why not Legislation’s?
Accordingly, the forger was put to Death; the utterer of a bad note
was put to Death; the unlawful opener of a letter was put to Death; the
purloiner of forty shillings and sixpence was put to Death; the holder
of a horse at Tellson’s door, who made off with it, was put to
Death; the coiner of a bad shilling was put to Death; the sounders of
three-fourths of the notes in the whole gamut of Crime, were put to
Death. Not that it did the least good in the way of prevention--it
might almost have been worth remarking that the fact was exactly the
reverse--but, it cleared off (as to this world) the trouble of each
particular case, and left nothing else connected with it to be looked
after. Thus, Tellson’s, in its day, like greater places of business,
its contemporaries, had taken so many lives, that, if the heads laid
low before it had been ranged on Temple Bar instead of being privately
disposed of, they would probably have excluded what little light the
ground floor had, in a rather significant manner.
Cramped in all kinds of dim cupboards and hutches at Tellson’s, the
oldest of men carried on the business gravely. When they took a young
man into Tellson’s London house, they hid him somewhere till he was
old. They kept him in a dark place, like a cheese, until he had the full
Tellson flavour and blue-mould upon him. Then only was he permitted to
be seen, spectacularly poring over large books, and casting his breeches
and gaiters into the general weight of the establishment.
Outside Tellson’s--never by any means in it, unless called in--was an
odd-job-man, an occasional porter and messenger, who served as the live
sign of the house. He was never absent during business hours, unless
upon an errand, and then he was represented by his son: a grisly urchin
of twelve, who was his express image. People understood that Tellson’s,
in a stately way, tolerated the odd-job-man. The house had always
tolerated some person in that capacity, and time and tide had drifted
this person to the post. His surname was Cruncher, and on the youthful
occasion of his renouncing by proxy the works of darkness, in the
easterly parish church of Hounsditch, he had received the added
appellation of Jerry.
The scene was Mr. Cruncher’s private lodging in Hanging-sword-alley,
Whitefriars: the time, half-past seven of the clock on a windy March
morning, Anno Domini seventeen hundred and eighty. (Mr. Cruncher himself
always spoke of the year of our Lord as Anna Dominoes: apparently under
the impression that the Christian era dated from the invention of a
popular game, by a lady who had bestowed her name upon it.)
Mr. Cruncher’s apartments were not in a savoury neighbourhood, and were
but two in number, even if a closet with a single pane of glass in it
might be counted as one. But they were very decently kept. Early as
it was, on the windy March morning, the room in which he lay abed was
already scrubbed throughout; and between the cups and saucers arranged
for breakfast, and the lumbering deal table, a very clean white cloth
was spread.
Mr. Cruncher reposed under a patchwork counterpane, like a Harlequin
at home. At first, he slept heavily, but, by degrees, began to roll
and surge in bed, until he rose above the surface, with his spiky hair
looking as if it must tear the sheets to ribbons. At which juncture, he
exclaimed, in a voice of dire exasperation:
“Bust me, if she ain’t at it agin!”
A woman of orderly and industrious appearance rose from her knees in a
corner, with sufficient haste and trepidation to show that she was the
person referred to.
“What!” said Mr. Cruncher, looking out of bed for a boot. “You’re at it
agin, are you?”
After hailing the morn with this second salutation, he threw a boot at
the woman as a third. It was a very muddy boot, and may introduce the
odd circumstance connected with Mr. Cruncher’s domestic economy, that,
whereas he often came home after banking hours with clean boots, he
often got up next morning to find the same boots covered with clay.
“What,” said Mr. Cruncher, varying his apostrophe after missing his
mark--“what are you up to, Aggerawayter?”
“I was only saying my prayers.”
“Saying your prayers! You’re a nice woman! What do you mean by flopping
yourself down and praying agin me?”
“I was not praying against you; I was praying for you.”
“You weren’t. And if you were, I won’t be took the liberty with. Here!
your mother’s a nice woman, young Jerry, going a praying agin your
father’s prosperity. You’ve got a dutiful mother, you have, my son.
You’ve got a religious mother, you have, my boy: going and flopping
herself down, and praying that the bread-and-butter may be snatched out
of the mouth of her only child.”
Master Cruncher (who was in his shirt) took this very ill, and, turning
to his mother, strongly deprecated any praying away of his personal
board.
“And what do you suppose, you conceited female,” said Mr. Cruncher, with
unconscious inconsistency, “that the worth of your prayers may be?
Name the price that you put your prayers at!”
“They only come from the heart, Jerry. They are worth no more than
that.”
“Worth no more than that,” repeated Mr. Cruncher. “They ain’t worth
much, then. Whether or no, I won’t be prayed agin, I tell you. I can’t
afford it. I’m not a going to be made unlucky by your sneaking. If
you must go flopping yourself down, flop in favour of your husband and
child, and not in opposition to ’em. If I had had any but a unnat’ral
wife, and this poor boy had had any but a unnat’ral mother, I might
have made some money last week instead of being counter-prayed and
countermined and religiously circumwented into the worst of luck.
B-u-u-ust me!” said Mr. Cruncher, who all this time had been putting
on his clothes, “if I ain’t, what with piety and one blowed thing and
another, been choused this last week into as bad luck as ever a poor
devil of a honest tradesman met with! Young Jerry, dress yourself, my
boy, and while I clean my boots keep a eye upon your mother now and
then, and if you see any signs of more flopping, give me a call. For, I
tell you,” here he addressed his wife once more, “I won’t be gone agin,
in this manner. I am as rickety as a hackney-coach, I’m as sleepy as
laudanum, my lines is strained to that degree that I shouldn’t know, if
it wasn’t for the pain in ’em, which was me and which somebody else, yet
I’m none the better for it in pocket; and it’s my suspicion that you’ve
been at it from morning to night to prevent me from being the better for
it in pocket, and I won’t put up with it, Aggerawayter, and what do you
say now!”
Growling, in addition, such phrases as “Ah! yes! You’re religious, too.
You wouldn’t put yourself in opposition to the interests of your husband
and child, would you? Not you!” and throwing off other sarcastic sparks
from the whirling grindstone of his indignation, Mr. Cruncher betook
himself to his boot-cleaning and his general preparation for business.
In the meantime, his son, whose head was garnished with tenderer spikes,
and whose young eyes stood close by one another, as his father’s did,
kept the required watch upon his mother. He greatly disturbed that poor
woman at intervals, by darting out of his sleeping closet, where he made
his toilet, with a suppressed cry of “You are going to flop, mother.
--Halloa, father!” and, after raising this fictitious alarm, darting in
again with an undutiful grin.
Mr. Cruncher’s temper was not at all improved when he came to his
breakfast. He resented Mrs. Cruncher’s saying grace with particular
animosity.
“Now, Aggerawayter! What are you up to? At it again?”
His wife explained that she had merely “asked a blessing.”
“Don’t do it!” said Mr. Crunches looking about, as if he rather expected
to see the loaf disappear under the efficacy of his wife’s petitions. “I
ain’t a going to be blest out of house and home. I won’t have my wittles
blest off my table. Keep still!”
Exceedingly red-eyed and grim, as if he had been up all night at a party
which had taken anything but a convivial turn, Jerry Cruncher worried
his breakfast rather than ate it, growling over it like any four-footed
inmate of a menagerie. Towards nine o’clock he smoothed his ruffled
aspect, and, presenting as respectable and business-like an exterior as
he could overlay his natural self with, issued forth to the occupation
of the day.
It could scarcely be called a trade, in spite of his favourite
description of himself as “a honest tradesman.” His stock consisted of
a wooden stool, made out of a broken-backed chair cut down, which stool,
young Jerry, walking at his father’s side, carried every morning to
beneath the banking-house window that was nearest Temple Bar: where,
with the addition of the first handful of straw that could be gleaned
from any passing vehicle to keep the cold and wet from the odd-job-man’s
feet, it formed the encampment for the day. On this post of his, Mr.
Cruncher was as well known to Fleet-street and the Temple, as the Bar
itself,--and was almost as in-looking.
Encamped at a quarter before nine, in good time to touch his
three-cornered hat to the oldest of men as they passed in to Tellson’s,
Jerry took up his station on this windy March morning, with young Jerry
standing by him, when not engaged in making forays through the Bar, to
inflict bodily and mental injuries of an acute description on passing
boys who were small enough for his amiable purpose. Father and son,
extremely like each other, looking silently on at the morning traffic
in Fleet-street, with their two heads as near to one another as the two
eyes of each were, bore a considerable resemblance to a pair of monkeys.
The resemblance was not lessened by the accidental circumstance, that
the mature Jerry bit and spat out straw, while the twinkling eyes of the
youthful Jerry were as restlessly watchful of him as of everything else
in Fleet-street.
The head of one of the regular indoor messengers attached to Tellson’s
establishment was put through the door, and the word was given:
“Porter wanted!”
“Hooray, father! Here’s an early job to begin with!”
Having thus given his parent God speed, young Jerry seated himself on
the stool, entered on his reversionary interest in the straw his father
had been chewing, and cogitated.
“Al-ways rusty! His fingers is al-ways rusty!” muttered young Jerry.
“Where does my father get all that iron rust from? He don’t get no iron
rust here!”
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Let's Analyse the Pattern
When economic pressure forces moral compromise, people create elaborate justifications and attack others who remind them of abandoned standards.
Why This Matters
Connect literature to life
This chapter teaches how guilt transforms into anger directed at people who remind us of our compromised values.
Practice This Today
This week, notice when you get unusually angry at someone for doing something obviously good—ask what standard of your own they might be reflecting back to you.
Now let's explore the literary elements.
Key Quotes & Analysis
"It was the triumphant perfection of inconvenience."
Context: Describing Tellson's Bank and how it deliberately maintained every possible obstacle for customers
This phrase captures how institutions can become so invested in their dysfunction that they perfect it. The word 'triumphant' shows they're actually proud of making things difficult.
In Today's Words:
They had turned being a pain in the ass into an art form.
"You're a nice woman to pray against the prosperity of your husband's work!"
Context: Jerry yelling at his wife for praying, claiming her prayers hurt his business
This reveals Jerry's guilt about his actual work - if it were honest, prayers wouldn't threaten it. He's projecting his shame onto his wife's faith.
In Today's Words:
Your prayers are messing up my shady business deals!
"His boots were always clean when he came home, but were muddy in the morning."
Context: Describing the mysterious evidence of Jerry's nighttime activities
This detail strongly suggests grave robbing - clean boots for day work, muddy from digging at night. It shows how people hide their true activities even from family.
In Today's Words:
The evidence was right there that he was up to something after dark.
Thematic Threads
Class
In This Chapter
Jerry's working-class desperation drives him to grave robbing while the bank partners take pride in institutional dysfunction
Development
Continues from earlier chapters showing how class determines available choices and moral flexibility
In Your Life:
You might notice how financial stress makes you rationalize choices you'd normally reject
Deception
In This Chapter
Jerry hides his nighttime activities from his family while lying to himself about their morality
Development
Building on the theme of characters living double lives and the cost of secrets
In Your Life:
You might recognize the exhaustion of maintaining different versions of yourself in different spaces
Institutional Dysfunction
In This Chapter
Tellson's Bank takes pride in being inconvenient and outdated, calling dysfunction tradition
Development
Introduced here as a new way organizations resist change
In Your Life:
You might see workplaces that defend inefficient systems by claiming they build character
Family Strain
In This Chapter
Jerry's guilt about his work poisons his relationship with his wife and corrupts his son
Development
Shows how external pressures and moral compromise damage intimate relationships
In Your Life:
You might notice how work stress or moral conflicts at your job affect how you treat family
Projection
In This Chapter
Jerry blames his wife's prayers for interfering with his prosperity instead of examining his choices
Development
Introduced here as a defense mechanism against guilt
In Your Life:
You might catch yourself getting angry at others for having standards you've temporarily abandoned
You now have the context. Time to form your own thoughts.
Discussion Questions
- 1
Why does Jerry Cruncher get so angry when his wife prays, and what do his muddy morning boots suggest about his nighttime activities?
analysis • surface - 2
How does Jerry's behavior demonstrate the pattern of blaming others when we feel guilty about our own choices?
analysis • medium - 3
Where have you seen someone get defensive or angry when others do the right thing, and what might they have been protecting?
application • medium - 4
When economic pressure forces you into moral gray areas, how can you maintain your integrity while still surviving?
application • deep - 5
What does Jerry's treatment of his family reveal about how workplace stress and moral compromise can poison our closest relationships?
reflection • deep
Critical Thinking Exercise
Map Your Anger Triggers
Think of a recent time when someone's behavior or standards made you unexpectedly angry or defensive. Write down what they did, why it bothered you, and what compromise or shortcut you might have been protecting. Then consider: what would Jerry Cruncher do versus what you actually want to do about this situation?
Consider:
- •Anger at others doing the right thing often signals our own moral compromise
- •Economic pressure can make us justify questionable choices, then blame others for reminding us of our standards
- •Teaching children to police others' moral behavior spreads corruption to the next generation
Journaling Prompt
Write about a time when you had to choose between financial security and your values. How did you handle the guilt or stress? What would you do differently now?
Coming Up Next...
Chapter 8: Inside the Courtroom of Death
Jerry Cruncher encounters something that will test both his nerves and his unusual nighttime profession. A sight awaits that connects his secret work to the larger forces shaping London's streets.




