We crossed the sward and entered the building. If the outside had been impressive the inside was even more so. It was very lofty and divided into several parts by walls which rested upon massive pillars; the windows were filled with stained glass descriptive of the principal commercial incidents of the bank for many ages. In a remote part of the building there were men and boys singing; this was the only disturbing feature, for as the gamut was still unknown, there was no music in the country which could be agreeable to a European ear. The singers seemed to have derived their inspirations from the songs of birds and the wailing of the wind, which last they tried to imitate in melancholy cadences that at times degenerated into a howl. To my thinking the noise was hideous, but it produced a great effect upon my companions, who professed themselves much moved. As soon as the singing was over, the ladies requested me to stay where I was while they went inside the place from which it had seemed to come.
During their absence certain reflections forced themselves upon me.
In the first place, it struck me as strange that the building should be so nearly empty; I was almost alone, and the few besides myself had been led by curiosity, and had no intention of doing business with the bank. But there might be more inside. I stole up to the curtain, and ventured to draw the extreme edge of it on one side. No, there was hardly any one there. I saw a large number of cashiers, all at their desks ready to pay cheques, and one or two who seemed to be the managing partners. I also saw my hostess and her daughters and two or three other ladies; also three or four old women and the boys from one of the neighbouring Colleges of Unreason; but there was no one else. This did not look as though the bank was doing a very large business; and yet I had always been told that every one in the city dealt with this establishment.
I cannot describe all that took place in these inner precincts, for a sinister-looking person in a black gown came and made unpleasant gestures at me for peeping. I happened to have in my pocket one of the Musical Bank pieces, which had been given me by Mrs. Nosnibor, so I tried to tip him with it; but having seen what it was, he became so angry that I had to give him a piece of the other kind of money to pacify him. When I had done this he became civil directly. As soon as he was gone I ventured to take a second look, and saw Zulora in the very act of giving a piece of paper which looked like a cheque to one of the cashiers. He did not examine it, but putting his hand into an antique coffer hard by, he pulled out a quantity of metal pieces apparently at random, and handed them over without counting them; neither did Zulora count them, but put them into her purse and went back to her seat after dropping a few pieces of the other coinage into an alms box that stood by the cashier's side. Mrs. Nosnibor and Arowhena then did likewise, but a little later they gave all (so far as I could see) that they had received from the cashier back to a verger, who I have no doubt put it back into the coffer from which it had been taken. They then began making towards the curtain; whereon I let it drop and retreated to a reasonable distance.
They soon joined me. For some few minutes we all kept silence, but at last I ventured to remark that the bank was not so busy to-day as it probably often was. On this Mrs. Nosnibor said that it was indeed melancholy to see what little heed people paid to the most precious of all institutions. I could say nothing in reply, but Ihave ever been of opinion that the greater part of mankind do approximately know where they get that which does them good.
Mrs. Nosnibor went on to say that I must not think there was any want of confidence in the bank because I had seen so few people there; the heart of the country was thoroughly devoted to these establishments, and any sign of their being in danger would bring in support from the most unexpected quarters. It was only because people knew them to be so very safe, that in some cases (as she lamented to say in Mr. Nosnibor's) they felt that their support was unnecessary. Moreover these institutions never departed from the safest and most approved banking principles. Thus they never allowed interest on deposit, a thing now frequently done by certain bubble companies, which by doing an illegitimate trade had drawn many customers away; and even the shareholders were fewer than formerly, owing to the innovations of these unscrupulous persons, for the Musical Banks paid little or no dividend, but divided their profits by way of bonus on the original shares once in every thirty thousand years; and as it was now only two thousand years since there had been one of these distributions, people felt that they could not hope for another in their own time and preferred investments whereby they got some more tangible return; all which, she said, was very melancholy to think of.
Having made these last admissions, she returned to her original statement, namely, that every one in the country really supported these banks. As to the fewness of the people, and the absence of the able-bodied, she pointed out to me with some justice that this was exactly what we ought to expect. The men who were most conversant about the stability of human institutions, such as the lawyers, men of science, doctors, statesmen, painters, and the like, were just those who were most likely to be misled by their own fancied accomplishments, and to be made unduly suspicious by their licentious desire for greater present return, which was at the root of nine-tenths of the opposition; by their vanity, which would prompt them to affect superiority to the prejudices of the vulgar; and by the stings of their own conscience, which was constantly upbraiding them in the most cruel manner on account of their bodies, which were generally diseased.
