"Third-rate," said Danglars, rather humble, "what do you mean by that?"
"Certainly," continued Monte Cristo, "I make three assortments in fortune--first-rate, second-rate, and third-rate fortunes. I call those first-rate which are composed of treasures one possesses under one's hand, such as mines, lands, and funded property, in such states as France, Austria, and England, provided these treasures and property form a total of about a hundred millions; I call those second-rate fortunes, that are gained by manufacturing enterprises, joint-stock companies, viceroyalties, and principalities, not drawing more than 1,500,000 francs, the whole forming a capital of about fifty millions; finally, I call those third-rate fortunes, which are composed of a fluctuating capital, dependent upon the will of others, or upon chances which a bankruptcy involves or a false telegram shakes, such as banks, speculations of the day--in fact, all operations under the influence of greater or less mischances, the whole bringing in a real or fictitious capital of about fifteen millions. I think this is about your position, is it not?"
"Confound it, yes!" replied Danglars.
"The result, then, of six more such months as this would be to reduce the third-rate house to despair."
"Oh," said Danglars, becoming very pale, how you are running on!"
"Let us imagine seven such months," continued Monte Cristo, in the same tone. "Tell me, have you ever thought that seven times 1,700,000 francs make nearly twelve millions? No, you have not;--well, you are right, for if you indulged in such reflections, you would never risk your principal, which is to the speculator what the skin is to civilized man. We have our clothes, some more splendid than others,--this is our credit; but when a man dies he has only his skin; in the same way, on retiring from business, you have nothing but your real principal of about five or six millions, at the most; for third-rate fortunes are never more than a fourth of what they appear to be, like the locomotive on a railway, the size of which is magnified by the smoke and steam surrounding it. Well, out of the five or six millions which form your real capital, you have just lost nearly two millions, which must, of course, in the same degree diminish your credit and fictitious fortune; to follow out my simile, your skin has been opened by bleeding, and this if repeated three or four times will cause death--so pay attention to it, my dear Monsieur Danglars. Do you want money? Do you wish me to lend you some?"
"What a bad calculator you are!" exclaimed Danglars, calling to his assistance all his philosophy and dissimulation. "I have made money at the same time by speculations which have succeeded. I have made up the loss of blood by nutrition. I lost a battle in Spain, I have been defeated in Trieste, but my naval army in India will have taken some galleons, and my Mexican pioneers will have discovered some mine."