“Assuredly,” said the stranger. “Much obliged to you for reminding me. I am the bearer of a letter of introduction to Mr. Bounderby, the banker. Walking through this extraordinarily black town, while they were getting dinner ready at the hotel, I asked a fellow whom I met; one of the working people; who appeared to have been taking a shower-bath of something fluffy, which I assume to be the raw material⁠—”

Mrs. Sparsit inclined her head.

“⁠—Raw material⁠—where Mr. Bounderby, the banker, might reside. Upon which, misled no doubt by the word Banker, he directed me to the Bank. Fact being, I presume, that Mr. Bounderby the Banker does not reside in the edifice in which I have the honour of offering this explanation?”