Just then the figure of Pennerpinch, as slick and rigid as an icicle, passed by the window carrying a large ledger, his shadow looming behind him. It was clear to Scrooge that his nemesis was going to do his accounts long into the night. “It’s not fair!” Scrooge moaned, and he shivered from standing still too long in the cold. Though he yearned to be home and to free his feet from the tight boots, rather than allow his competitor to expand on the advantage already gained, he turned up the stairs of his counting-house. Scrooge slid his hand inside his coat, yanked the ring of numerous keys from his vest pocket, and unlocked one, two, three bolts. Just as he reached out to grip the knob, however, he saw a facial configuration on the iron knocker and quickly withdrew his hand. “Not again!” he declared. Looking more closely, Scrooge realized it was an illusion created by a coating of frost. “Humbug!” Entering and closing the door behind him hastily, he proceeded to relock each of the three devices.
The stale dampness made the office feel colder than the night streets. He passed from Cratchit’s outer cell into the larger space, moving to his desk in the dimness the way a blind man feels his way through familiar surroundings. Turning his chair so he could keep an eye on Pennerpinch out the window, he sat down. It was too cold to remove his heavy coat, but unlike Cratchit, Scrooge could work without burning his coal as if it were rubbish. After rubbing his hands together briskly to acquire some free warmth, he struck a match into flame and lit the lamp, bringing the chamber into view. The big desk looked overworked, and dusty wooden shelves were stacked with yellowed ledgers, each representing a year of commerce. The iron stove was as cold and black as its owner’s heart. At last Scrooge felt some small glimmer of satisfaction, for he knew that sooner or later Pennerpinch would notice the light coming from Scrooge & Marley.
In the flickering paleness, Scrooge opened the ledger stamped 1843 and began to slide his finger down the long list of debtors. This was how he started every business day, for it comforted him to know that he was owed so much. A quick addition of the receivables alarmed him, however. Cratchit had shortchanged him by nine pence. “The sneaking scoundrel!” he declared out loud, for being alone so much had taught him to speak to himself. Again he added up the figures, this time with more care, and the amount totaled up as it should have. To be absolutely certain, he added them yet again, and again the balance appeared to be correct. “You don’t know how close you came to losing your position, Cratchit,” he said to the empty outer cell. Scrooge moved the tin cash box off the blotter, unlocked the center drawer, and pulled out a sheath of crisp white collection notes. Flipping through them, he slipped out one in particular. In accordance with their agreement, Scrooge & Marley would take possession of Jonathan Wurdlewart’s house and shop if the debt were not paid in full by twelve o’clock midnight, Christmas, 1843. Wurdlewart had not wanted to put up his home as collateral, but Scrooge had insisted, and the baker was so convinced the shop would bring him a quick return that he agreed. Alas, the interest was so high he couldn’t keep up with the payments, and now his time was almost gone. Ebenezer Scrooge checked the clock against the bare wall: eleven forty-six. “In fourteen minutes,” he said, “it will all be mine.” The glittering eyes of his nephew’s children and the joyful chime of the city’s bells were no more than dreams of what seemed like a long lost past.
As Scrooge calculated the value of the neat cottage and the busy shop, there was a knocking in the outer chamber. Afraid it might be Wurdlewart, come to pay off the loan, Scrooge quickly blew out the lamp. After all, the countinghouse was shut for Christmas Day so how could he accept a payment? In the dreary darkness he sat, cold in his bones, peeking out the shutter. A gaslight flickered on the street, but the steps of his establishment were set in, making it impossible to see who was at the door. The knocking sounded again, and growing edgy, Scrooge arose quietly and crept into the outer cell. If Wurdlewart had the money in hand, he would be forced to settle the account and would not be able to claim the house and shop. Faced with the possibility of such a loss, Scrooge felt miserable.
At the door he heard the sound again, but it seemed to be coming not from the knocker but above the door. Scrooge determined that Pennerpinch had seen his light and gotten angry, and was out there tampering with his sign! Quickly he began freeing the three locks, and in a few moments swung open the door and cried out, “What d’ya think you’re doing?” To his surprise there was no one there, or so he thought at first. Through the thick, frozen mist there did seem to be someone, or something, drifting toward him, and as the shape drew closer he saw that it was his deceased partner, Jacob Marley, dragging his long and heavy chain after him.
“Jacob! You assured me I would not be visited again, that I would be saved.”
Marley gurgled. “Already you have forgotten your promise, Ebenezer.”
“Well, now, Jacob, I must say I had a pleasant time of it today. But Christmas is finished now, and it is time to get back to business.”
“The spirit of Christmas must be honored by every man through the long calendar of the year.”
“But don’t you see that light in Pennerpinch’s window? He is working on Christmas night to gain an advantage over your former partner — I cannot allow that.”
“Pennerpinch is forging his own chain, link by link, just as I did. Just as you are doing.”
“Pennerpinch is making a fortune!”
Marley wailed, and Scrooge begged him to calm down.
“This is your last opportunity for salvation,” Marley murmured. “Your last forever and anon.”
“I’ll be hanged before I hand everything I’ve worked for over to that wretch!”
“I am sorry for you, Ebenezer,” Marley hissed, and the hollow voice, along with the wispy substance that was his body, instantly melted like smoke. The chains, too, had evaporated.
The sudden disappearance of his old partner made Scrooge feel apprehensive. “Marley? Where are you? Speak comfort to me, Jacob.”
There was no reply, only the sound of wind gasping in the alley. Now Scrooge spotted a greenish glow sifting out of the mist — rather like the shape of that gruesome, shrouded figure of the Ghost of Christmas Yet to Come. Scrooge backed inside and slammed the door shut, but before he could secure any of the locks, the spirit stood before him, pointing his finger of bone at his chest. Terrified, Scrooge fled into the back office and grabbed hold of Marley’s knobbed cane, which he kept in the corner as a warning to charity seekers. Raising the cane as if ready to strike, he waited for the apparition, but there was no movement or sound in the outer cell, and after what seemed a long time, weary, he dropped onto his seat and set the cane across the blotter in front of him. “Humbug!” he snarled.
Reluctant to give anyone or anything a better view of him, and to save oil, Scrooge did not relight the lamp. He simply waited for something to happen. The shadows held their places, however, and feeling less ill at ease, Scrooge proceeded to watch the large black hands of the clock, faintly discernible in the band of gaslight from outside. In three minutes he would acquire the Wurdlewart properties, and the next day would put them on the market for triple their value. All remained quiet and still in the dismal office, while every tick of the clock seemed to be making him richer. At the exact moment of twelve o’clock midnight, Scrooge heard not the stroke of the hour but the clink of a chain — just a breath after the icy iron links yanked brutally tight about his heart.
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