Margaritis was seated in an arm-chair
covered with yellow Utrecht velvet, near the window
of the salon, and he did not stir as the two ladies
entered with Gaudissart. His thoughts were running
on the casks of wine. He was a spare man, and
his bald head, garnished with a few spare locks at
the back of it, was pear-shaped in conformation.
His sunken eyes, overtopped by heavy black brows and
surrounded by discolored circles, his nose, thin and
sharp like the blade of a knife, the strongly marked
jawbone, the hollow cheeks, and the oblong tendency
of all these lines, together with his unnaturally long
and flat chin, contributed to give a peculiar expression
to his countenance,—something between that
of a retired professor of rhetoric and a rag-picker.
“Monsieur Margaritis,”
cried Madame Vernier, addressing him, “come,
stir about! Here is a gentleman whom my husband
sends to you, and you must listen to him with great
attention. Put away your mathematics and talk
to him.”
On hearing these words the lunatic
rose, looked at Gaudissart, made him a sign to sit
down, and said, “Let us converse, Monsieur.”
The two women went into Madame Margaritis’
bedroom, leaving the door open so as to hear the conversation,
and interpose if it became necessary. They were
hardly installed before Monsieur Vernier crept softly
up through the field and, opening a window, got into
the bedroom without noise.
“Monsieur has doubtless been
in business—?” began Gaudissart.
“Public business,” answered
Margaritis, interrupting him. “I pacificated
Calabria under the reign of King Murat.”
“Bless me! if he hasn’t
gone to Calabria!” whispered Monsieur Vernier.
“In that case,” said Gaudissart,
“we shall quickly understand each other.”
“I am listening,” said
Margaritis, striking the attitude taken by a man when
he poses to a portrait-painter.
“Monsieur,” said Gaudissart,
who chanced to be turning his watch-key with a rotatory
and periodical click which caught the attention of
the lunatic and contributed no doubt to keep him quiet.
“Monsieur, if you were not a man of superior
intelligence” (the fool bowed), “I should
content myself with merely laying before you the material
advantages of this enterprise, whose psychological
aspects it would be a waste of time to explain to
you. Listen! Of all kinds of social wealth,
is not time the most precious? To economize time
is, consequently, to become wealthy. Now, is
there anything that consumes so much time as those
anxieties which I call ’pot-boiling’?—a
vulgar expression, but it puts the whole question
in a nutshell. For instance, what can eat up
more time than the inability to give proper security
to persons from whom you seek to borrow money when,
poor at the moment, you are nevertheless rich in hope?”
“Money,—yes, that’s right,”
said Margaritis.
“Well, Monsieur, I am sent into
the departments by a company of bankers and capitalists,
who have apprehended the enormous waste which rising
men of talent are thus making of time, and, consequently,
of intelligence and productive ability. We have
seized the idea of capitalizing for such men their
future prospects, and cashing their talents by discounting—what?
time; securing the value of it to their survivors.
I may say that it is no longer a question of economizing
time, but of giving it a price, a quotation; of representing
in a pecuniary sense those products developed by time
which presumably you possess in the region of your
intellect; of representing also the moral qualities
with which you are endowed, and which are, Monsieur,
living forces,—as living as a cataract,
as a steam-engine of three, ten, twenty, fifty horse-power.
Ha! this is progress! the movement onward to a better
state of things; a movement born of the spirit of
our epoch; a movement essentially progressive, as I
shall prove to you when we come to consider the principles
involved in the logical co-ordination of the social
fabric. I will now explain my meaning by literal
examples, leaving aside all purely abstract reasoning,
which I call the mathematics of thought. Instead
of being, as you are, a proprietor living upon your
income, let us suppose that you are painter, a musician,
an artist, or a poet—”
“I am a painter,” said the lunatic.
“Well, so be it. I see
you take my metaphor. You are a painter; you
have a glorious future, a rich future before you.
But I go still farther—”
At these words the madman looked anxiously
at Gaudissart, thinking he meant to go away; but was
reassured when he saw that he kept his seat.
“You may even be nothing at
all,” said Gaudissart, going on with his phrases,
“but you are conscious of yourself; you feel
yourself—”
“I feel myself,” said the lunatic.
“—you feel yourself
a great man; you say to yourself, ’I will be
a minister of state.’ Well, then, you—painter,
artist, man of letters, statesman of the future—you
reckon upon your talents, you estimate their value,
you rate them, let us say, at a hundred thousand crowns—”
“Do you give me a hundred thousand crowns?”
“Yes, Monsieur, as you will
see. Either your heirs and assigns will receive
them if you die, for the company contemplates that
event, or you will receive them in the long run through
your works of art, your writings, or your fortunate
speculations during your lifetime. But, as I
have already had the honor to tell you, when you have
once fixed upon the value of your intellectual capital,—for
it is intellectual capital,—seize that
idea firmly,—intellectual—”
“I understand,” said the fool.
“You sign a policy of insurance
with a company which recognizes in you a value of
a hundred thousand crowns; in you, poet—”
“I am a painter,” said the lunatic.
“Yes,” resumed Gaudissart,—“painter,
poet, musician, statesman—and binds itself
to pay them over to your family, your heirs, if, by
reason of your death, the hopes foundered on your intellectual
capital should be overthrown for you personally.
The payment of the premium is all that is required
to protect—”
“The money-box,” said
the lunatic, sharply interrupting him.
“Ah! naturally; yes. I
see that Monsieur understands business.”
“Yes,” said the madman.
“I established the Territorial Bank in the Rue
des Fosses-Montmartre at Paris in 1798.”
“For,” resumed Gaudissart,
going back to his premium, “in order to meet
the payments on the intellectual capital which each
man recognizes and esteems in himself, it is of course
necessary that each should pay a certain premium,
three per cent; an annual due of three per cent.
Thus, by the payment of this trifling sum, a mere nothing,
you protect your family from disastrous results at
your death—”
“But I live,” said the fool.
“Ah! yes; you mean if you should
live long? That is the usual objection,—a
vulgar prejudice. I fully agree that if we had
not foreseen and demolished it we might feel we were
unworthy of being —what? What are
we, after all? Book-keepers in the great Bureau
of Intellect. Monsieur, I don’t apply these
remarks to you, but I meet on all sides men who make
it a business to teach new ideas and disclose chains
of reasoning to people who turn pale at the first word.
On my word of honor, it is pitiable! But that’s
the way of the world, and I don’t pretend to
reform it. Your objection, Monsieur, is really
sheer nonsense.”
“Why?” asked the lunatic.
“Why?—this is why:
because, if you live and possess the qualities which
are estimated in your policy against the chances of
death,—now, attend to this—”
“I am attending.”
“Well, then, you have succeeded
in life; and you have succeeded because of the said
insurance. You doubled your chances of success
by getting rid of the anxieties you were dragging
about with you in the shape of wife and children who
might otherwise be left destitute at your death.
If you attain this certainty, you have touched the
value of your intellectual capital, on which the cost
of insurance is but a trifle,—a mere trifle,
a bagatelle.”
“That’s a fine idea!”
“Ah! is it not, Monsieur?”
cried Gaudissart. “I call this enterprise
the exchequer of beneficence; a mutual insurance against
poverty; or, if you like it better, the discounting,
the cashing, of talent. For talent, Monsieur,
is a bill of exchange which Nature gives to the man
of genius, and which often has a long time to run before
it falls due.”
“That is usury!” cried Margaritis.
“The devil! he’s keen,
the old fellow! I’ve made a mistake,”
thought Gaudissart, “I must catch him with other
chaff. I’ll try humbug No. 1. Not
at all,” he said aloud, “for you who—”
“Will you take a glass of wine?” asked
Margaritis.
“With pleasure,” replied Gaudissart.
“Wife, give us a bottle of the
wine that is in the puncheons. You are here at
the very head of Vouvray,” he continued, with
a gesture of the hand, “the vineyard of Margaritis.”
The maid-servant brought glasses and
a bottle of wine of the vintage of 1819. The
good-man filled a glass with circumspection and offered
it to Gaudissart, who drank it up.
“Ah, you are joking, Monsieur!”
exclaimed the commercial traveller. “Surely
this is Madeira, true Madeira?”
“So you think,” said the
fool. “The trouble with our Vouvray wine
is that it is neither a common wine, nor a wine that
can be drunk with the entremets. It is too generous,
too strong. It is often sold in Paris adulterated
with brandy and called Madeira. The wine-merchants
buy it up, when our vintage has not been good enough
for the Dutch and Belgian markets, to mix it with
wines grown in the neighborhood of Paris, and call
it Bordeaux. But what you are drinking just now,
my good Monsieur, is a wine for kings, the pure Head
of Vouvray,—that’s it’s name.
I have two puncheons, only two puncheons of it left.
People who like fine wines, high-class wines, who
furnish their table with qualities that can’t
be bought in the regular trade,—and there
are many persons in Paris who have that vanity,—well,
such people send direct to us for this wine.
Do you know any one who—?”
“Let us go on with what we were
saying,” interposed Gaudissart.
“We are going on,” said
the fool. “My wine is capital; you are
capital, capitalist, intellectual capital, capital
wine,—all the same etymology, don’t
you see? hein? Capital, ‘caput,’ head,
Head of Vouvray, that’s my wine,—it’s
all one thing.”
“So that you have realized your
intellectual capital through your wines? Ah,
I see!” said Gaudissart.
“I have realized,” said
the lunatic. “Would you like to buy my
puncheons? you shall have them on good terms.”
“No, I was merely speaking,”
said the illustrious Gaudissart, “of the results
of insurance and the employment of intellectual capital.
I will resume my argument.”
The lunatic calmed down, and fell
once more into position.
“I remarked, Monsieur, that
if you die the capital will be paid to your family
without discussion.”
“Without discussion?”
“Yes, unless there were suicide.”
“That’s quibbling.”
“No, Monsieur; you are aware
that suicide is one of those acts which are easy to
prove—”
“In France,” said the fool; “but—”
“But in other countries?”
said Gaudissart. “Well, Monsieur, to cut
short discussion on this point, I will say, once for
all, that death in foreign countries or on the field
of battle is outside of our—”
“Then what are you insuring?
Nothing at all!” cried Margaritis. “My
bank, my Territorial Bank, rested upon—”
“Nothing at all?” exclaimed
Gaudissart, interrupting the good-man. “Nothing
at all? What do you call sickness, and afflictions,
and poverty, and passions? Don’t go off
on exceptional points.”
“No, no! no points,” said the lunatic.
“Now, what’s the result
of all this?” cried Gaudissart. “To
you, a banker, I can sum up the profits in a few words.
Listen. A man lives; he has a future; he appears
well; he lives, let us say, by his art; he wants money;
he tries to get it,—he fails. Civilization
withholds cash from this man whose thought could master
civilization, and ought to master it, and will master
it some day with a brush, a chisel, with words, ideas,
theories, systems. Civilization is atrocious!
It denies bread to the men who give it luxury.
It starves them on sneers and curses, the beggarly
rascal! My words may be strong, but I shall not
retract them. Well, this great but neglected man
comes to us; we recognize his greatness; we salute
him with respect; we listen to him. He says to
us: ’Gentlemen, my life and talents are
worth so much; on my productions I will pay you such
or such percentage.’ Very good; what do
we do? Instantly, without reserve or hesitation,
we admit him to the great festivals of civilization
as an honored guest—”
“You need wine for that,” interposed the
madman.
“—as an honored guest.
He signs the insurance policy; he takes our bits of
paper,—scraps, rags, miserable rags!—which,
nevertheless, have more power in the world than his
unaided genius. Then, if he wants money, every
one will lend it to him on those rags. At the
Bourse, among bankers, wherever he goes, even at the
usurers, he will find money because he can give security.
Well, Monsieur, is not that a great gulf to bridge
over in our social system? But that is only one
aspect of our work. We insure debtors by another
scheme of policies and premiums. We offer annuities
at rates graduated according to ages, on a sliding-scale
infinitely more advantageous than what are called
tontines, which are based on tables of mortality that
are notoriously false. Our company deals with
large masses of men; consequently the annuitants are
secure from those distressing fears which sadden old
age,—too sad already!—fears which
pursue those who receive annuities from private sources.
You see, Monsieur, that we have estimated life under
all its aspects.”
“Sucked it at both ends,”
said the lunatic. “Take another glass of
wine. You’ve earned it. You must line
your inside with velvet if you are going to pump at
it like that every day. Monsieur, the wine of
Vouvray, if well kept, is downright velvet.”
“Now, what do you think of it
all?” said Gaudissart, emptying his glass.
“It is very fine, very new,
very useful; but I like the discounts I get at my
Territorial Bank, Rue des Fosses-Montmartre.”
“You are quite right, Monsieur,”
answered Gaudissart; “but that sort of thing
is taken and retaken, made and remade, every day.
You have also hypothecating banks which lend upon
landed property and redeem it on a large scale.
But that is a narrow idea compared to our system of
consolidating hopes,—consolidating hopes!
coagulating, so to speak, the aspirations born in
every soul, and insuring the realization of our dreams.
It needed our epoch, Monsieur, the epoch of transition
—transition and progress—”
“Yes, progress,” muttered
the lunatic, with his glass at his lips. “I
like progress. That is what I’ve told them
many times—”
“The ’Times’!”
cried Gaudissart, who did not catch the whole sentence.
“The ‘Times’ is a bad newspaper.
If you read that, I am sorry for you.”
“The newspaper!” cried
Margaritis. “Of course! Wife! wife!
where is the newspaper?” he cried, going towards
the next room.
“If you are interested in newspapers,”
said Gaudissart, changing his attack, “we are
sure to understand each other.”
“Yes; but before we say anything
about that, tell me what you think of this wine.”
“Delicious!”
“Then let us finish the bottle.”
The lunatic poured out a thimbleful for himself and
filled Gaudissart’s glass. “Well,
Monsieur, I have two puncheons left of the same wine;
if you find it good we can come to terms.”
“Exactly,” said Gaudissart.
“The fathers of the Saint-Simonian faith have
authorized me to send them all the commodities I—But
allow me to tell you about their noble newspaper.
You, who have understood the whole question of insurance
so thoroughly, and who are willing to assist my work
in this district—”
“Yes,” said Margaritis, “if—”
“If I take your wine; I understand
perfectly. Your wine is very good, Monsieur;
it puts the stomach in a glow.”
“They make champagne out of
it; there is a man from Paris who comes here and makes
it in Tours.”
“I have no doubt of it, Monsieur.
The ‘Globe,’ of which we were speaking—”
“Yes, I’ve gone over it,” said Margaritis.
“I was sure of it!” exclaimed
Gaudissart. “Monsieur, you have a fine
frontal development; a pate—excuse the word—which
our gentlemen call ‘horse-head.’
There’s a horse element in the head of every
great man. Genius will make itself known; but
sometimes it happens that great men, in spite of their
gifts, remain obscure. Such was very nearly the
case with Saint-Simon; also with Monsieur Vico,—a
strong man just beginning to shoot up; I am proud
of Vico. Now, here we enter upon the new theory
and formula of humanity. Attention, if you please.”
“Attention!” said the fool, falling into
position.
“Man’s spoliation of man—by
which I mean bodies of men living upon the labor of
other men—ought to have ceased with the
coming of Christ, I say Christ, who was sent
to proclaim the equality of man in the sight of God.
But what is the fact? Equality up to our day has
been an ‘ignus fatuus,’ a chimera.
Saint-Simon has arisen as the complement of Christ;
as the modern exponent of the doctrine of equality,
or rather of its practice, for theory has served its
time—”
“Is he liberated?” asked the lunatic.
“Like liberalism, it has had
its day. There is a nobler future before us:
a new faith, free labor, free growth, free production,
individual progress, a social co-ordination in which
each man shall receive the full worth of his individual
labor, in which no man shall be preyed upon by other
men who, without capacity of their own, compel all
to work for the profit of one. From this
comes the doctrine of—”
“How about servants?” demanded the lunatic.
“They will remain servants if they have no capacity
beyond it.”
“Then what’s the good of your doctrine?”
“To judge of this doctrine,
Monsieur, you must consider it from a higher point
of view: you must take a general survey of humanity.
Here we come to the theories of Ballance: do
you know his Palingenesis?”
“I am fond of them,” said the fool, who
thought he said “ices.”
“Good!” returned Gaudissart.
“Well, then, if the palingenistic aspects of
the successive transformations of the spiritualized
globe have struck, stirred, roused you, then, my dear
sir, the ‘Globe’ newspaper, —noble
name which proclaims its mission,—the ‘Globe’
is an organ, a guide, who will explain to you with
the coming of each day the conditions under which
this vast political and moral change will be effected.
The gentlemen who—”
“Do they drink wine?”
“Yes, Monsieur; their houses
are kept up in the highest style; I may say, in prophetic
style. Superb salons, large receptions, the apex
of social life—”
“Well,” remarked the lunatic,
“the workmen who pull things down want wine
as much as those who put things up.”
“True,” said the illustrious
Gaudissart, “and all the more, Monsieur, when
they pull down with one hand and build up with the
other, like the apostles of the ‘Globe.’”
“They want good wine; Head of
Vouvray, two puncheons, three hundred bottles, only
one hundred francs,—a trifle.”
“How much is that a bottle?”
said Gaudissart, calculating. “Let me see;
there’s the freight and the duty,—it
will come to about seven sous. Why, it wouldn’t
be a bad thing: they give more for worse wines
—(Good! I’ve got him!”
thought Gaudissart, “he wants to sell me wine
which I want; I’ll master him)—Well,
Monsieur,” he continued, “those who argue
usually come to an agreement. Let us be frank
with each other. You have great influence in
this district—”
“I should think so!” said
the madman; “I am the Head of Vouvray!”
“Well, I see that you thoroughly
comprehend the insurance of intellectual capital—”
“Thoroughly.”
“—and that you have
measured the full importance of the ’Globe’—”
“Twice; on foot.”
Gaudissart was listening to himself
and not to the replies of his hearer.
“Therefore, in view of your
circumstances and of your age, I quite understand
that you have no need of insurance for yourself; but,
Monsieur, you might induce others to insure, either
because of their inherent qualities which need development,
or for the protection of their families against a
precarious future. Now, if you will subscribe
to the ‘Globe,’ and give me your personal
assistance in this district on behalf of insurance,
especially life-annuity,—for the provinces
are much attached to annuities—Well, if
you will do this, then we can come to an understanding
about the wine. Will you take the ’Globe’?”
“I stand on the globe.”
“Will you advance its interests in this district?”
“I advance.”
“And?”
“And—”
“And I—but you do subscribe, don’t
you, to the ’Globe’?”
“The globe, good thing, for life,” said
the lunatic.
“For life, Monsieur?—ah,
I see! yes, you are right: it is full of life,
vigor, intellect, science,—absolutely crammed
with science, —well printed, clear type,
well set up; what I call ‘good nap.’
None of your botched stuff, cotton and wool, trumpery;
flimsy rubbish that rips if you look at it. It
is deep; it states questions on which you can meditate
at your leisure; it is the very thing to make time
pass agreeably in the country.”
“That suits me,” said the lunatic.
“It only costs a trifle,—eighty francs.”
“That won’t suit me,” said the lunatic.
“Monsieur!” cried Gaudissart,
“of course you have got grandchildren?
There’s the ‘Children’s Journal’;
that only costs seven francs a year.”
“Very good; take my wine, and
I will subscribe to the children. That suits
me very well: a fine idea! intellectual product,
child. That’s man living upon man, hein?”
“You’ve hit it, Monsieur,” said
Gaudissart.
“I’ve hit it!”
“You consent to push me in the district?”
“In the district.”
“I have your approbation?”
“You have it.”
“Well, then, Monsieur, I take your wine at a
hundred francs—”
“No, no! hundred and ten—”
“Monsieur! A hundred and
ten for the company, but a hundred to me. I enable
you to make a sale; you owe me a commission.”
“Charge ’em a hundred
and twenty,”—“cent vingt”
(“sans vin,” without wine).
“Capital pun that!”
“No, puncheons. About that wine—”
“Better and better! why, you are a wit.”
“Yes, I’m that,” said the fool.
“Come out and see my vineyards.”
“Willingly, the wine is getting
into my head,” said the illustrious Gaudissart,
following Monsieur Margaritis, who marched him from
row to row and hillock to hillock among the vines.
The three ladies and Monsieur Vernier, left to themselves,
went off into fits of laughter as they watched the
traveller and the lunatic discussing, gesticulating,
stopping short, resuming their walk, and talking vehemently.
“I wish the good-man hadn’t carried him
off,” said Vernier.
Finally the pair returned, walking
with the eager step of men who were in haste to finish
up a matter of business.
“He has got the better of the Parisian, damn
him!” cried Vernier.
And so it was. To the huge delight
of the lunatic our illustrious Gaudissart sat down
at a card-table and wrote an order for the delivery
of the two casks of wine. Margaritis, having carefully
read it over, counted out seven francs for his subscription
to the “Children’s Journal” and
gave them to the traveller.
“Adieu until to-morrow, Monsieur,”
said Gaudissart, twisting his watch-key. “I
shall have the honor to call for you to-morrow.
Meantime, send the wine at once to Paris to the address
I have given you, and the price will be remitted immediately.”
Gaudissart, however, was a Norman,
and he had no idea of making any agreement which was
not reciprocal. He therefore required his promised
supporter to sign a bond (which the lunatic carefully
read over) to deliver two puncheons of the wine called
“Head of Vouvray,” vineyard of Margaritis.
This done, the illustrious Gaudissart
departed in high feather, humming, as he skipped along,—
“The King of the South,
He burned his mouth,” etc.