第45章 CHAPTER IX THE BANKER OF THE POOR(1)

It was not on the next day, Monday, but on the following day, Tuesday, that Dutocq and Theodose went to see Cerizet, the former having called la Peyrade's attention to the fact that Cerizet always absented himself on Sundays and Mondays, taking advantage of the total absence of clients on those days, which are devoted by the populace to debauch. The house toward which they directed their steps is one of the striking features in the faubourg Saint-Jacques, and it is quite as important to study it here as it was to study those of Phellion and Thuillier. It is not known (true, no commission has yet been appointed to examine this phenomenon), no one knows why certain quarters become degraded and vulgarized, morally as well as materially; why, for instance, the ancient residence of the court and the church, the Luxembourg and the Latin quarter, have become what they are to-day, in spite of the presence of the finest palaces in the world, in spite of the bold cupola of Sainte-Genevieve, that of Mansard on the Val-de-Grace, and the charms of the Jardin des Plantes. One asks one's self why the elegance of life has left that region; why the Vauquer houses, the Phellion and the Thuillier houses now swarm with tenants and boarders, on the site of so many noble and religious buildings, and why such mud and dirty trades and poverty should have fastened on a hilly piece of ground, instead of spreading out upon the flat land beyond the confines of the ancient city.

The angel whose beneficence once hovered above this quarter being dead, usury, on the lowest scale, rushed in and took his place. To the old judge, Popinot, succeeded Cerizet; and strange to say,--a fact which it is well to study,--the effect produced, socially speaking, was much the same. Popinot loaned money without interest, and was willing to lose; Cerizet lost nothing, and compelled the poor to work hard and stay virtuous. The poor adored Popinot, but they did not hate Cerizet. Here, in this region, revolves the lowest wheel of Parisian financiering. At the top, Nucingen & Co., the Kellers, du Tillet, and the Mongenods; a little lower down, the Palmas, Gigonnets, and Gobsecks; lower still, the Samonons, Chaboisseaus, and Barbets; and lastly (after the pawn-shops) comes this king of usury, who spreads his nets at the corners of the streets to entangle all miseries and miss none,--Cerizet, "money lender by the little week."The frogged frock-coat will have prepared you for the den in which this convicted stock-broker carried on his present business.

The house was humid with saltpetre; the walls, sweating moisture, were enamelled all over with large slabs of mould. Standing at the corner of the rue des Postes and rue des Poules, it presented first a ground-floor, occupied partly by a shop for the sale of the commonest kind of wine, painted a coarse bright red, decorated with curtains of red calico, furnished with a leaden counter, and guarded by formidable iron bars. Above the gate of an odious alley hung a frightful lantern, on which were the words "Night lodgings here." The outer walls were covered with iron crossbars, showing, apparently, the insecurity of the building, which was owned by the wine-merchant, who also inhabited the entresol. The widow Poiret (nee Michonneau) kept furnished lodgings on the first, second, and third floors, consisting of single rooms for workmen and for the poorest class of students.

Cerizet occupied one room on the ground-floor and another in the entresol, to which he mounted by an interior staircase; this entresol looked out upon a horrible paved court, from which arose mephitic odors. Cerizet paid forty francs a month to the widow Poiret for his breakfast and dinner; he thus conciliated her by becoming her boarder;he also made himself acceptable to the wine-merchant by procuring him an immense sale of wine and liquors among his clients--profits realized before sunrise; the wine-shop beginning operations about three in the morning in summer, and five in winter.

The hour of the great Market, which so many of his clients, male and female, attended, was the determining cause of Cerizet's early hours.

The Sieur Cadenet, the wine-merchant, in view of the custom which he owed to the usurer, had let him the two rooms for the low price of eighty francs a year, and had given him a lease for twelve years, which Cerizet alone had a right to break, without paying indemnity, at three months' notice. Cadenet always carried in a bottle of excellent wine for the dinner of this useful tenant; and when Cerizet was short of money he had only to say to his friend, "Cadenet, lend me a few hundred francs,"--loans which he faithfully repaid.

Cadenet, it was said, had proof of the widow Poiret having deposited in Cerizet's hands some two thousand francs for investment, which may explain the progress of the latter's affairs since the day when he first took up his abode in the quarter, supplied with a last note of a thousand francs and Dutocq's protection. Cadenet, prompted by a cupidity which success increased, had proposed, early in the year, to put twenty thousand francs into the hands of his friend Cerizet. But Cerizet had positively declined them, on the ground that he ran risks of a nature to become a possible cause of dispute with associates.

"I could only," he said to Cadenet, "take them at six per cent interest, and you can do better than that in your own business. We will go into partnership later, if you like, in some serious enterprise, some good opportunity which may require, say, fifty thousand francs. When you have got that sum to invest, let me know, and we'll talk about it."Cerizet had only suggested the affair of the house to Theodose after making sure that among the three, Madame Poiret, Cadenet, and himself, it was impossible to raise the full sum of one hundred thousand francs.