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ONE:The winter of 1836-7 was marked by great commercial activity, and a strong tendency to over-trading, chiefly on the part of the banks. The result was a reaction, and considerable monetary embarrassment. In the reckless spirit of enterprise which led to these consequences, the American houses took the lead. The American speculators indulged an inordinate thirst for gain by land jobs, and over-trading in British produce. The most remarkable examples of this were afforded by three great American houses in London, called "the three W.'s." From an account of these firms, published in June, 1837, it appeared that the amount of bills payable by them from June to December, was as follows: Wilson and Co.,[411] ��936,300; Wigan and Co., ��674,700; Wildes and Co., ��505,000; total acceptances, ��2,116,000. This was upwards of one-sixth of the aggregate circulation of the private and joint-stock banks of England and Wales, and about one-eighth of the average circulation of the Bank of England. The shipments to America by Wigan and Co. amounted to ��1,118,900. The number of joint-stock banks that started into existence at this time was remarkable. From 1825 to 1833 only thirty joint-stock banks had been established. In that year the Charter of the Bank of England being renewed, without many of the exclusive privileges it formerly enjoyed, and the spirit of commercial enterprise being active, joint-stock banks began to increase rapidly. There was an average of ten new companies annually, till 1836, when forty-five of these establishments came into existence in the course of ten months. In Ireland there were ten started in the course of two years. The consequence of this greatly increased banking accommodation produced a wild spirit of commercial adventure, which collapsed first in America, where the monetary confusion was unexampled��bankers, importers, merchants, traders, and the Government having been all flung into a chaos of bankruptcy and insolvency. This state of things in America had an immediate effect in England. Discounts were abruptly refused to the largest and hitherto most respectable houses of Liverpool and London. Trade, in consequence, became paralysed; prices suddenly dropped from thirty to forty per cent.; and the numerous share bubbles��the railway projects, the insurance companies, the distillery companies, the cemetery companies, the sperm oil, the cotton twist, zoological gardens, and other speculations��which had floated on the pecuniary tide, all suddenly collapsed, and there was an end to the career of unprincipled adventurers. It is satisfactory, however, to observe that the sound commerce of the country soon recovered the shock thus given; and in less than two years the pecuniary difficulties had passed away. Commerce had resumed its wonted activity, and flowed steadily in legitimate channels. The American banks resumed payment, and the three great American houses, which had involved themselves to such an enormous extent, were enabled to meet all their liabilities. TWO:This memorable controversy between the Prime Minister and the Lord-Lieutenant of Ireland, exhibiting a painful conflict of opinion and feeling between the two personages more particularly charged with the government of the country in the midst of a dangerous crisis, was brought to a close by a letter from the Duke of Wellington on the 28th of December. The following is a copy:��

FORE:Mr. Goulburn's financial statement was made on the 8th of May, 1844. It comprised some small reductions of taxation, and the foretaste of an important modification of the sugar duties. As a money account it was encouraging, and showed some progress in diminishing the disastrous effects of Whig finance. The past financial year had witnessed a gross surplus of revenue over expenditure of more than ��4,000,000; or, after paying the deficiency of the previous year, ��2,400,000; and after making other deductions there was, for the first time for many years, an available surplus, amounting to ��1,400,000. The anticipated good effects of relieving industry from burdensome taxes had been more than realised. The estimate of the revenue had actually been exceeded by ��2,700,000. The Budget, therefore, fully justified the policy of 1842; but the Chancellor of the Exchequer ventured only on a small and timid extension of the principles then laid down, with the reduction or abolition of duty on flint-glass, currants, wool, and some other minor matters. The abolition of the wool duty provoked new hostility to the impolitic duty on cotton. The concession to Free Trade principles was small; but the movement was kept up, and there was at least no sign of reaction.

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THREE:[See larger version]Sir Francis Burdett once wrote a letter of a single sentence to his friend Lord Cloncurry, as follows:��"Dear Lord Cloncurry, I should like to know what you think would allay Irish agitation? Yours truly, F. B." It would have taken a volume to answer this question, and perhaps, after all, Sir Francis Burdett would not have been satisfied. George IV. thought that his visit would have had that effect, and appearances for a time seemed to justify his sanguine anticipations. The visit had been long meditated. He set out on a yachting excursion soon after the coronation, and arrived at Plymouth on the 1st of August amidst the huzzas of an immense concourse of people. On the following day the royal squadron departed for Ireland, and anchored in the bay at Holyhead on the 7th. The news of his approach threw the people of Dublin into a paroxysm of joy, to which the newspapers of the day gave expression in the most extravagant terms. The blessing that awaited them seemed too great to be realised. Never had they comforted their hours of despondency or flattered themselves in seasons of imagined felicity, with anything approaching to the reality which fortune was about to shower upon them. The king's name, they declared, was more to them than a tower of strength; it had effected what neither patriots, philosophers, nor moralists could ever accomplish.

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THREE:Various inquiries had been instituted from time to time by royal commissions and Parliamentary committees into the state of education in Ireland. One commission, appointed in 1806, laboured for six years, and published fourteen reports. It included the Primate, two bishops, the Provost of Trinity College, and Mr. R. Lovell Edgeworth. They recommended a system in which the children of all denominations should be educated together, without interfering with the peculiar tenets of any; and that there should be a Board of Commissioners, with extensive powers, to carry out the plan. Subsequent commissions and committees adopted the same principle of united secular education, particularly a select committee of the House of Commons appointed in 1824. These important reports prepared the way for Mr. Stanley's plan, which he announced in the House of Commons in July, 1832. His speech on that occasion showed that he had thoroughly mastered the difficult question which he undertook to elucidate. It was remarkable for the clearness of its statements, the power of its arguments, and for the eloquence with which it enforced sound and comprehensive principles. Mr. Spring-Rice having moved that a sum of ��30,000 be granted for enabling the Lord-Lieutenant of Ireland to assist in the education of the people, and the House having agreed to the motion without a division, Mr. Stanley, in the following month, wrote a letter to the Duke of Leinster, in which he explained "the plan of national education," which afterwards bore his name. The first Commissioners were the Duke of Leinster, Archbishop Whately, Archbishop Murray, the Rev. Dr. Sadleir, Rev. James Carlile (Presbyterian), A. R. Blake (Chief Remembrancer, a Roman Catholic), and Robert Holmes, a Unitarian barrister. Mr. Carlile, minister of Mary's Abbey congregation in Dublin, was the only paid commissioner, and to him, during seven years, was committed a principal share in working the system. He selected the Scripture lessons, directed the compilation of the schoolbooks, aided in obtaining the recognition of parental rights, apart from clerical authority; in arranging the machinery and putting it in working order.

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THREE:The war was scarcely begun when it was discovered that we had proclaimed hostilities much before we were prepared to carry them out. Our ships were badly manned, and therefore slow to put to sea, and the more alert Spaniards were busy picking up our merchant vessels. Not they only, but the French, Dutch, and other nations who had hoisted Spanish colours, were making wide devastation amongst our trading vessels. Walpole was compelled to issue letters of marque and licences to swarms of privateers, which issued forth to make reprisals. The Lords of the Admiralty, on the 1st of February, 1740, had ordered an embargo on all shipping except coasters, so as at once to keep them out of reach of the enemy, and to induce seamen to enter the navy; but on the 28th of March a petition from merchants and owners of shipping was presented, complaining of the hardships and the destruction of trade by it. The Lords of the Admiralty contended that such had been the complaints of injuries done at sea to our traders, that they had been compelled to impose the embargo in the absence of sufficient hands for men-of-war. They now took the embargo off foreign ships, and gave notice to English owners that they would take it off altogether, on condition that the owners and masters of vessels would enter into an engagement to furnish a certain number of men to the navy in proportion to the number of hands in each trader. This also was denounced as a most oppressive measure, and the Opposition represented it as intended to make the mercantile community sick of the war. Driven, however, to extremities, Ministers would not listen to these arguments; a motion was carried sanctioning this plan, and then the merchants came into it.

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THREE:However, the agitation of the working classes continued; and, when Parliament met in February, 1839, the concluding paragraph of the Speech referred to the disturbances and combinations among the working classes: "I have observed with pain the persevering efforts which have been made in some parts of the country to excite my subjects to disobedience and resistance to the law, and to recommend dangerous and illegal practices. For the counteraction of all such designs I depend upon the efficacy of the law, which it will be my duty to enforce, upon the good sense and right disposition of my people, upon their attachment to the principles of justice, and their abhorrence of violence and disorder." In the course of the debate in the Commons Sir Robert Peel adverted to the paragraph referring to illegal meetings. Having read several extracts from the speeches of Mr. Stephens, Dr. Wade, and Mr. Feargus O'Connor delivered at Chartist meetings, he quoted, for the purpose of reprehending, a speech delivered by Lord John Russell at Liverpool in the previous month of October, when, alluding to the Chartist meeting, the noble lord said, "There are some perhaps who would put down such meetings, but such was not his opinion, nor that of the Government with which he acted. He thought the people had a right to free discussion which elicited truth. They had a right to meet. If they had no grievances, common sense would speedily come to the rescue, and put an end to these meetings." These sentiments, remarked Sir Robert Peel, might be just, and even truisms; yet the unseasonable expression of truth in times of public excitement was often dangerous. The Reform Bill, he said, had failed to give permanent satisfaction as he had throughout predicted would be the case, and he well knew that a concession of further reform, in the expectation of producing satisfaction or finality, would be only aggravating the disappointment, and that in a few years they would be encountered by further demands.The first Reform Parliament was dissolved by proclamation on the 30th of December, after an existence of only one year and eleven months. This proceeding was regarded by the Reformers as a sort of political sacrilege; a manifest flying in the face of the people; a clear declaration of an intention to destroy popular rights. But the care bestowed on the registries told strongly in favour of the Conservatives at the English elections. The exertions they made to secure a majority were immense. It was believed at the time that the Carlton Club had expended nearly a million sterling in securing the success of their candidates in every possible way in which money could be made available. In the counties and boroughs the Whigs and Radicals lost about 100 seats, but after all the Conservatives could muster only 302 members; against 356. The contests were unusually numerous and severe, but the Reform Act machinery worked so well that the elections were for the most part conducted in a very orderly manner. In many places the closeness of the poll was remarkable. It was a neck and neck race between the rival candidates. In the metropolitan boroughs the Ministerialists were everywhere defeated. Not one of the sixteen seats in this vast centre of influence could the Government, with all its lavish expenditure, obtain. In some of the provincial towns, however��Bristol, Exeter, Newcastle, Hull, York, Leeds, Halifax, and Warrington��a Tory supplanted a Whig. At Liverpool the contest was intensely exciting. During the last hour of polling were seen in every direction vans, gigs, and flies in rapid motion, and the price of a vote rose from ��15 to ��25. The result was the return of Lord Sandon, a moderate Tory; Sir Howard Douglas, the other Conservative candidate, being defeated by Mr. Ewart. In Lancashire and Hampshire both the Liberal candidates were defeated. Manchester, Birmingham, Bolton, Sheffield, Preston, and most of the manufacturing towns, returned Liberals. On the whole, the Government had a small majority of the five hundred English members. In Scotland, however, the Reform Act had wrought a complete revolution, and the mass of the electors so long excluded from political power used the privileges they had obtained with great zeal in favour of the party to which they were indebted for their enfranchisement. The whole of the burghs, twenty in number, returned Liberal members. Five of the counties were gained by the Tories and three by the Whigs, where respectively they had formerly failed. Glasgow, whose voice had been neutralised by returning one representative of each party, now returned two Liberals. Serious disturbances took place at Jedburgh when Lord John Scott, the Tory candidate, made his appearance. At Hawick, in the same county, the rioting was still worse. The persons who came to vote for him were spit upon, pelted with stones, and severely struck. In some cases they were thrown into the stream that runs through the town, and subjected to the most shocking indignities, which the judges who afterwards tried the cases declared to be "worse than death itself."

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THREE:Besides the flattering assurances of the steady improvement in commerce and manufactures, and, consequently, in the revenues, the Regent's Speech, read, as usual, by the Lord Chancellor, justly congratulated the country on the successful termination of the Pindarree war by the Marquis of Hastings. It informed the two Houses that a new treaty had been entered into with the United States for adjusting the different points at issue between the two nations, not settled by the treaty of peace, and also for regulating the commerce between them. It announced the results of the Congress at Aix-la-Chapelle, and stated that some new measures were needed for the care of his Majesty's person in consequence of the death of the queen. The Address, in both Houses, was carried almost pro forma. Mr. Manners Sutton was elected Speaker of the Commons by acclamation.

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THREE:It was quite evident that a Ministry assailed in this manner, and left almost without defenders in Parliament, while the public out of doors were so excited against them that no act of theirs could give satisfaction or inspire confidence, could not long remain in office. Accordingly, they made up their minds to retire on the first opportunity. Three important questions stood for discussion, on any one of which they were sure to be defeated. The Duke selected the question of the Civil List. In the Royal Speech his Majesty surrendered the hereditary revenues of the Crown to the disposal of Parliament. The Opposition could see no merit in that, and Lord Grey contended that those revenues were not private but public property, assigned by the State for the purpose of maintaining the dignity of the Sovereign, and that from this purpose they could not be alienated. The debate came on upon the 12th of November, when the Chancellor of the Exchequer moved that the House do resolve itself into committee on the Civil List, the scheme which he had brought forward fixing the amount to be settled at ��970,000. Several of the details in this scheme were objected to, and on the following day Sir H. Parnell moved, as an amendment to the resolutions of the Chancellor of the Exchequer, that a select committee be appointed to take into consideration the estimates and accounts printed by command of his Majesty regarding the Civil List. After a short debate the House divided, when the numbers were��for the amendment, 233; and against it, 204, giving a majority of twenty-nine against the Government. Mr. Hobhouse immediately asked[324] Sir Robert Peel whether Ministers intended to retain office after this expression of the sentiments of the House. To which he gave no answer at the time; but the next day the Duke in the Upper House, and Sir Robert in the Lower, announced that they held their offices only till their successors were appointed. The defeat was brought about, in a great measure, by the former supporters of the Ministry. The blow was struck, and none recoiled from it more immediately than the section of angry Tories who were mainly instrumental in delivering it. They had achieved their purpose, and stood aghast, for no time was lost with the Duke in placing his resignation in the hands of the king.Sir Francis Burdett once wrote a letter of a single sentence to his friend Lord Cloncurry, as follows:��"Dear Lord Cloncurry, I should like to know what you think would allay Irish agitation? Yours truly, F. B." It would have taken a volume to answer this question, and perhaps, after all, Sir Francis Burdett would not have been satisfied. George IV. thought that his visit would have had that effect, and appearances for a time seemed to justify his sanguine anticipations. The visit had been long meditated. He set out on a yachting excursion soon after the coronation, and arrived at Plymouth on the 1st of August amidst the huzzas of an immense concourse of people. On the following day the royal squadron departed for Ireland, and anchored in the bay at Holyhead on the 7th. The news of his approach threw the people of Dublin into a paroxysm of joy, to which the newspapers of the day gave expression in the most extravagant terms. The blessing that awaited them seemed too great to be realised. Never had they comforted their hours of despondency or flattered themselves in seasons of imagined felicity, with anything approaching to the reality which fortune was about to shower upon them. The king's name, they declared, was more to them than a tower of strength; it had effected what neither patriots, philosophers, nor moralists could ever accomplish.

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FORE:It was during Lord Cornwallis's campaign in Mysore that Lord Macartney made his celebrated embassy to China, to endeavour to induce the Chinese to open their ports to trade with Britain; but his lordship succeeded in very little beyond making the Chinese and their country better known in the work written by his secretary, afterwards Sir John Barrow.

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FORE:Foiled in these quarters, Alberoni appeared more successful in the North. A negotiation had been opened between the two potentates, so long at bitter variance, the Czar and Charles XII. of Sweden. They were induced to meet in the island of ?land, and to agree that the Czar should retain Livonia, and other Swedish territories south of Finland which he had torn from Sweden, but, in compensation, Charles was to be allowed to reconquer Bremen and Verden from George of Hanover and England, and Norway from Denmark; and the two monarchs were to unite their arms for the restoration of Stanislaus to the throne of Poland, and of the Pretender to that of Great Britain. The success of these arrangements appeared to Alberoni so certain that he boasted that the Northern tempest would burst ere long over England with annihilating fury; but even here he was doomed to disappointment. Charles[42] XII. delighted in nothing so much as in wild and romantic enterprise. Such was that of the conquest of Norway; and he was led by his imagination to commence it without delay. With his characteristic madness, he divided his army into two parts, with one of which he took the way by the coast of Norway, and the other he sent over the mountains at the very beginning of winter. There that division perished in the snow amid the most incredible horrors; and he himself, whilst carrying on the siege of Frederickshall, was killed on the 11th of December, as appears probable, by the treacherous shot of a French engineer in his service. Almost simultaneously the Duke of Maine's conspiracy against the French Government was detected, and he and his wife, together with the Spanish Ambassador, were apprehended. There was nothing for it on the part of the Regent but to proclaim war against Spain��a measure which England had long been urging on him. The English declaration appeared on the 28th of December, 1718, and the French on the 9th of January, 1719. FORE:CHAPTER VII. THE REIGN OF GEORGE IV. (concluded). FORE:But in spite of Bute's incapacity the expeditions planned by Pitt were uniformly successful. The British fleets were everywhere busy attacking[174] the Spanish colonies, and cutting off the Spanish ships at sea. A fleet had been dispatched, under Admiral Rodney, at the latter end of the last year, against Martinique, carrying nearly twelve thousand men, commanded by General Monckton. They landed on the 7th of January at Cas de Navires, besieged and took Port Royal, the capital, St. Pierre, and, finally, the whole island. This was followed by the surrender of St. Vincent, Grenada, and St. Lucia, so that the English were now masters of the whole of the Caribbees. A portion of this squadron, under Sir James Douglas, then proceeded to join an expedition, which sailed from Portsmouth on the 5th of March; the fleet commanded by Admiral Sir George Pococke, and the army by the Earl of Albemarle. The squadron arrived before Havana on the 4th of June��King George's birthday��and effected a landing without much difficulty.

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FORE:On the 12th of February, 1843, Outram persuaded the Ameers, who were in deadly fear of Napier, to sign the treaty. But the negotiator, who continued to place implicit confidence in the pacific professions of the Ameers��they being anxious to gain time till the hot weather should come, and give them an advantage against their enemies��was convinced of his mistake by a treacherous attack made on the British residency; the Ameers boasting that "every man, woman, and child belonging to the British army in Scinde should be collected on the field of battle, and have their throats cut, except the general, who should be led, chained, with a ring in his nose to the durbar." Outram's garrison consisted only of 100 soldiers, with forty rounds of ammunition each, with which he had to defend himself against 8,000 men with six guns. The British fired with effect from behind a wall till their ammunition was exhausted, when they slowly retired till they got safe on board the British steamers, protected by their guns, which swept the flank of the enemy. The war had now come in earnest, and so Sir Charles Napier resolved to show the Ameers what British troops could do. The odds were greatly against him, for he had but 8,600 men, of whom only 400 were Europeans, with which he was to engage an army 22,000 strong, with 5,000 horse, and fifteen guns, all well posted in a strong position at Meeanee. It required marvellous hardihood in the veteran warrior of the Peninsula to enter upon such an unequal contest. But it was the first time that the ambition of his life was realised��in being placed in a position of supreme command��and he longed to show the world how worthily he could have filled it long ago. The officers who fought under him in that memorable battle deserve to be mentioned. Major Lloyd commanded the Artillery, Captain Henderson the Sappers and Miners; next to them stood the 22nd, commanded by Colonel Pennefather; Colonel Teesdale led the 25th Sepoys; Colonel Read the 12th Native Infantry; Major Clibborne the Bengal Engineers; Colonel Pattle the 9th Bengal Horse; and Captain[592] Tait the Poonah Horse. The plain between the two armies was about 1,000 yards in breadth. The space was rapidly passed over. Napier's men rushed forward, and crossing the bed of a river which intervened, they ran up the slope, while the artillery of the Beloochees fired over their heads. Reaching the summit, they beheld, for the first time, the camp of the enemy, which was carried by the 22nd. The Native Infantry also behaved well, and while the little army was doing terrible execution upon the enemy, the artillery swept their ranks with shot and shell. Nevertheless, they fought bravely, and held their ground for three hours in a hand to hand encounter with their assailants. The chasms which were repeatedly made by the guns in the living mass were quickly filled up by those behind rushing forward to the conflict. The pressure of numbers bearing down the hill seemed more than once on the point of overwhelming the British, and obliterating their "thin red lines." Nearly all the officers were killed or wounded. Everything now depended upon the cavalry, which were commanded by Colonel Pattle, who was ordered to charge instantly. They went at full gallop through the jungle: fifty were thrown off their horses, but the rest pressed on, ascended the ridge of the hill, dashed into the thick of the enemy's ranks, fiercely cutting their way with their swords right and left, trampling down the men under their horses' feet, never ceasing till they had traversed the whole camp. The confusion and wavering thus occasioned gave courage to the infantry. The Irish and the Sepoys, raising the cry of victory, pressed on with fury, drove the enemy back down the hill, and compelled them to retreat, abandoning their guns, their ammunition, and their baggage, leaving their dead on the field, and marking their course by a long train of killed and wounded. Their loss was estimated at 5,000��1,000 bodies being found in the bed of the river. The British loss was almost incredibly small: six officers and fifty-four privates killed, fourteen officers and 109 men wounded.

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