They used to show an old house in Hart Lane, rich with carved wood, as

Whittington's, but he must have lived in his own parish of St. Michael's

Paternoster Royal, and, one is pretty certain, on the spot where was

afterwards built his college, which stood on the north side of the

church. Here he entertained Henry of Agincourt and Katherine, his bride,

with a magnificence which astonished the king. But Whittington knew what

he was doing; the banquet was not ostentation and display; its cost was

far more than repaid by the respect for the wealth and power of the city

which it nourished and maintained in the kingly mind. The memory of this

and other such feasts, we may be very sure, had its after effect even

upon those most masterful of sovereigns, Henry VIII. and Queen Bess. On

this occasion it was nothing that the tables groaned with good things,

and glittered with gold and silver plate; it was nothing that the fires

were fed with cedar and perfumed wood. For this princely Mayor fed these

fires after dinner with nothing less than the king's bonds to the amount

of £60,000. In purchasing power that sum would now be represented by a

million and a quarter.

A truly royal gift.

It was not given to many merchants, "sounding always the increase of

their winning," thus to thrive and prosper. Most of them lived in more

modest dwellings. All of them lived in comparative discomfort, according

to modern ideas. When we read of mediæval magnificence we must remember

that the standard of what we call comfort was much lower in most

respects than at present. In the matter of furniture, for instance,

though the house was splendid inside and out with carvings, coats of

arms painted and gilt, there were but two or three beds in it, the

servants sleeping on the floor; the bedrooms were small and dark; the

tables were still laid on trestles, and removed when the meal was

finished; there were benches where we have chairs; and for carpet they

had rushes or mats of plaited straw; and though the tapestry was costly,

the windows were draughty, and the doors ill-fitting. When, with the

great commercial advance of the fourteenth century, space by the river

became more valuable, the disposition of the Hall, with its little

court, became necessarily modified. The house, which was warehouse as

well as residence, ran up into several stories high--the earliest maps

of London show many such houses beside Queenhithe, and in the busiest

and most crowded parts of the City; on every story there was a wide door

for the reception of bales and crates; a rope and pulley were fixed to a

beam at the highest gable for hoisting and lowering the goods. The front

of the house was finely ornamented with carved wood-work. One may still

see such houses--streets full of them--in the ancient City of

Hildesheim, near Hanover.

[Illustration: CROSBY HALL]

On the river-bank, exactly under what is now Cannon Street Railway

Station, stood the Steelyard, Guildæ Aula Teutonicorum. In appearance it

was a house of stone, with a quay towards the river, a square court, a

noble Hall, and three arched gates towards Thames Street. This was the

house of the Hanseatic League, whose merchants for three hundred years

and more enjoyed the monopoly of importing hemp, corn, wax, steel, linen

cloths, and, in fact, carried on the whole trade with Germany and the

Baltic, so that until the London merchants pushed out their ships into

the Mediterranean and the Levant their foreign trade was small, and

their power of gaining wealth small in proportion. This strange

privilege granted to foreigners grew by degrees. At first, unless the

foreign merchants of the Hanse towns and of Flanders and of France had

not brought over their wares they could not have sold them, because

there were no London merchants to import them. Therefore they came, and

they came to stay. They gradually obtained privileges; they were careful

to obey the laws, and give no cause for jealousy or offence; and they

kept their privileges, living apart in their own college, till Edward

VI. at last took them away. In memory of their long residence in the

city, the merchants of Hamburg in the reign of Queen Anne presented the

church where they had worshipped, All Hallows the Great, with a

magnificent screen of carved wood. The church, built by Wren after the

Fire, is a square box of no architectural pretensions, but is glorified

by this screen.

The great (comparative) wealth of the City is shown by the proportion it

was called upon to pay towards the king's loans. In 1397, for instance,

London was assessed at £6,666 13_s._ 4_d._, while Bristol, which came

next, was called upon for £800 only; Norwich for £333, Boston for £300,

and Plymouth for no more than £20. And in the graduated poll tax of

1379, the Lord Mayor of London had to pay £4--the same as an Earl, a

Bishop, or a mitred Abbot, while the Aldermen were regarded as on the

same line with Barons, and paid £2 each.

Between the merchant adventurers, who sometimes entertained kings and

had a fleet of ships always on the sea, and the retail trader there was

as great a gulf then as at any after-time. Between the retail trader,

who was an employer of labor, and the craftsman there was a still

greater gulf. The former lived in plenty and in comfort. His house was

provided with a spacious hearth, and windows, of which the upper part,

at least, was of glass. The latter lived in one of the mean and low

tenements, which, according to Dr. Brewer, made up the whole of London.

There were a great many of those, because there are always a great many

poor in a large town. Nay, there were narrow lanes and filthy courts

where there were nothing but one-storied hovels, built of wattle and

clay, the roof thatched with reeds, the fire burning in the middle of

the room, the occupants sleeping in old Saxon fashion, wrapped in rugs

around the central fire. The lanes and courts were narrow and unpaved,

and filthy with every kind of refuse. In those crowded and fetid streets

the plague broke out, fevers always lingered, the children died of

putrid throat, and in these places began the devastating fires that from

time to time swept the City.

The main streets of the City were not mean at all; they were broad, well

built, picturesque. If here and there a small tenement reared its

timbered and plastered front among the tall gables, it added to the

beauty of the street; it broke the line. Take Chepe, for instance, the

principal seat of retail trade. At the western end stood the Church of

St. Michael le Quern where Paternoster Row begins. On the north side

were the churches of St. Peter West Chepe, St. Thomas Acon, St. Mary

Cole Church, and St. Mildred. On the south side were the churches of St.

Mary le Bow and St. Mary Woolchurch. In the streets running north and

south rose the spires of twenty other churches. On the west side of St.

Mary le Bow stood a long stone gallery, from which the Queen and her

ladies could witness the tournaments and the ridings. In the middle was

the "Standard," with a conduit of fresh-water; there were two crosses,

one being that erected by Edward I., to mark a resting-place of his dead

Queen. Round the "Standard" were booths. At the west end of Chepe were

_selds_, which are believed to have been open bazaars for the sale of

goods. Another cross stood at the west end, close to St. Michael le

Quern. Here executions of citizens were held; on its broad road the

knights rode in tilt on great days; the stalls were crowded with those

who came to look on and to buy, the street was noisy with the voices of

those who displayed their wares and called upon the folk to

buy--buy--buy. You may hear the butchers in Clare Market or the costers

in Whitecross Street keeping up the custom to the present day. The

citizens walked and talked; the Alderman went along in state,

accompanied by his officers; they brought out prisoners and put them

into the pillory; the church bells clashed, and chimed, and tolled;

bright cloth of scarlet hung from the upper windows if it was a feast

day, or if the Mayor and Aldermen had a riding; the streets were bright

with the colors of that many-colored time, when the men vied with the

women in bravery of attire, and when all classes spent upon raiment sums

of money, in proportion to the rest of their expenditure, which sober

nineteenth-century folk can hardly believe. Chaucer is full of the

extravagance in dress. There is the young squire--

Embroidered was he as if it were a mead

All full of freshest flowers, white and red.

[Illustration: NORTH-EAST VIEW OF CROSBY HALL, SHOWING PART OF THE

INTERIOR OF THE GREAT HALL.]

Or the carpenter's wife--

A seynt [girdle] she wered barred all of silk

In barm cloth eke as white as mornë milk

Upon her lendes [loins] full of many a gore.

White was her smock and browded all before,

And eke behind on her coler about

Of cole black silk within and eke without.

Or the wife of Bath, with her scarlet stockings and her fine kerchiefs.

And the knights decked their horses as gayly as themselves. And the city

notables went clad in gowns of velvet or silk lined with fur; their hats

were of velvet with gold lace; their doublets were of rich silk; they

carried thick gold chains about their necks, and massive gold rings upon

their fingers.

With all this outward show, this magnificence of raiment, these

evidences of wealth, would one mark the small tenements which here and

there, even in Chepe, stood between the churches and the substantial

merchants' houses? We measure the splendors of a city by its best, and

not by its worst.

The magnates of London, from generation to generation, showed far more

wisdom, tenacity, and clearness of vision than can be found in the

annals of Venice, Genoa, or any other mediæval city. Above all things,

they maintained the city liberties and the rights obtained from

successive kings; yet they were always loyal so long as loyalty was

possible; when that was no longer possible, as in the case of Richard

II., they threw the whole weight of their wealth and influence into the

other side. If fighting was wanted, they were ready to send out their

youths to fight--nay, to join the army themselves; witness the story of

Sir John Philpot, Mayor in 1378. There was a certain Scottish adventurer

named Mercer. This man had gotten together a small fleet of ships, with

which he harassed the North Sea and did great havoc among the English

merchantmen. Nor could any remonstrance addressed to the Crown effect

any redress. What was to be done? Clearly, if trade was to be carried on

at all, this enemy must be put down. Therefore, without much ado, the

gallant Mayor gathered together at his own expense a company of a

thousand stout fellows, put them on board, and sallied forth, himself

their admiral, to fight this piratical Scot. He found him, in fact, in

Scarborough Bay with his prizes. Sir John fell upon him at once, slew

him and most of his men, took all his ships, including the prizes, and

returned to the port of London with his spoils, including fifteen

Spanish ships which had joined the Scotchman. Next year the king was in

want of other help. The arms and armor of a thousand men were in pawn.

Sir John took them out. And because the king wanted as many ships as he

could get for his expedition into France, Sir John gave him all his own,

with Mercer's ships and the Spanish prizes.

[Illustration: GERRARD'S HALL.]

To treat adequately of the foreign trade of the city during these

centuries would require a volume. It has, in fact, received more than a

single volume.[12] The English merchantman sailed everywhere. There were

commercial treaties with Brittany, Burgundy, Portugal, Castile, Genoa,

and Venice. English merchants who traded with Prussia were empowered by

Henry IV. to meet together and elect a governor for the adjustment of

quarrels and the reparation of injuries. The same privilege was extended

to those who traded with Holland, Zealand, Brabant, Flanders, Norway,

Sweden, and Denmark. The Hanseatic merchants enjoyed the privileges on

the condition--not always obtained--that English merchants should have

the same rights as the Hanseatic League. It is easy to understand what

commodities were imported from these countries. The trade was carried on

under the conditions of continued fighting. First the seas swarmed with

Scotch; French and Flemish ships were always on the lookout for English

merchant vessels--there was no peace on the water. Then there were

English pirates known as rovers of the sea, who sailed about, landing on

the coasts, pillaging small towns, and robbing farms. Sandwich was

burned, Southampton was burned. London protected herself with booms and

chains. The merchant vessels for safety sailed in fleets. Again, it was

sometimes dangerous to be resident in a foreign town in time of war; in

1429 Bergen was destroyed by the Danes, and the English merchants were

massacred; about the same time English seamen ravaged Ireland and

murdered the Royal Bailiff; reprisals and quarrels and claims were

constantly going on. Yet trade increased, and wealth with it. Other

foreign merchants settled in London besides the Hansards. Florentines

came to buy wool, and to lend money, and to sell chains and rings and

jewelled work. Genoese came to buy alum and woad and to sell weapons.

Venetians came to sell spices, drugs, and fine manufactured things.

The grete galleys of Veness and Fflorence

Be wel ladene with thynges of complacence,

All spicerye and of groceres ware,

Wyth swete wynes alle manere of cheffare.

Apes and japes and marmettes taylede,

Trifles--trifles, that lytel have avaylede.

And thynges with wyche they fetely blere our eye,

With thynges not enduring that we bye.

Ffor moche of thys cheffare that is wastable,

Myght be forebore for diere and dissevable.

Towards the end of the fourteenth century began the first grumblings of

the great religious storm that was to burst upon the world a hundred

years later. The common sort of Londoners, attached to their Church and

to its services, were as yet profoundly orthodox and unquestioning. But

it is certain that in the year 1393 the Archbishop of York complained

formally to the king of the Mayor, Aldermen, and Sheriffs--Whittington

was then one of the Sheriffs--that they were _male creduli_, that is, of

little faith; upholders of Lollards, detractors of religious persons,

detainers of tithes, and defrauders of the poor. When persecutions,

however, began in earnest, not a single citizen of position was charged

with heresy. Probably the Archbishop's charge was based upon some

quarrel over tithes and Church dues. At the same time, no one who has

read Chaucer can fail to understand that men's minds were made uneasy by

the scandals of religion, the contrast between profession and practice.

It required no knowledge of theology to remark that the monk who kept

the best of horses in his stable and the best of hounds in his kennel,

and rode to the chase as gallantly attired as any young knight, was a

strange follower of the Benedictine rule. Nor was it necessary to be a

divine in order to compare the lives of the Franciscans with their vows.

Yet the authority of the Church seemed undiminished, while its wealth,

its estates, its rank, and its privileges gave it enormous power. It is

not pretended that the merchants of London were desirous of new

doctrines, or of any tampering with the mass, or any lowering of

sacerdotal pretensions. Yet there can be no doubt that they desired

reform in some shape, and it seems as if they saw the best hope of

reform in raising the standard of education. Probably the old monastery

schools had fallen into decay. We find, for instance, a simultaneous

movement in this direction long before Henry VI. began to found and to

endow his schools. Whittington bequeathed a sum of money to create a

library for the Grey Friars; his close friend and one of his executors,

John Carpenter, Rector of St. Mary Magdalen, founded the City of London

School, now more flourishing and of greater use than ever; another

friend of Whittington, Sir John Nicol, Master of the College of St.

Thomas Acon, petitioned the Parliament for leave to establish four

schools; Whittington's own company, the Mercers, founded a school--which

still exists--upon his death. The merchants rebuilt churches, bought

advowsons and gave them to the corporation, founded charities, and left

doctrine to scholars. Yet the century which contains such men as

Wycliff, Chaucer, Gower, Occleve, William of Wykeham, Fabian, and

others, was not altogether one of blind and unquestioning obedience. And

it is worthy of remark that the first Master of Whittington's Hospital

was that Reginald Pecock who afterwards, as Bishop of Chichester, was

charged with Lollardism, and imprisoned for life as a punishment. He was

kept in a single closed chamber in Thorney Abbey, Isle of Ely. He was

never allowed out of this room; no one was to speak with him except the

man who waited upon him; he was to have neither paper, pen, ink, or

books, except a Bible, a mass-book, a psalter, and a legendary.

[Illustration: BRIDEWELL PALACE, ABOUT 1660, WITH THE ENTRANCE TO THE

FLEET RIVER, PART OF THE BLACK FRIARS, ETC.]

Among the city worthies of that time may be introduced Sir William

Walworth, the slayer of Jack Cade; Sir William Sevenoke, the first known

instance of the poor country lad of humble birth working his way to the

front; he was also the first to found and endow a grammar-school for his

native town; Sir Robert Chichele, whose brother Henry was Archbishop of

Canterbury and founder of All Souls', Oxford; this Robert, whose house

was on the site of Bakers' Hall in Harp Lane, provided by his will that

on his commemoration day two thousand four hundred poor householders of

the city should be regaled with a dinner and have twopence in money;

Sir John Rainwell, who left houses and lands to discharge the tax called

the Fifteenth in three parishes; Sir John Wells, who brought water from

Tyburn; and Sir William Estfield, who brought water from Highbury. Other

examples show that the time for endowing monasteries had passed away.

When William Elsing, early in the fourteenth century, thought of doing

something with his money, he did not leave it to the Franciscans for

masses, but he endowed a hospital for a hundred blind men; and a few

years later John Barnes gave the city a strong box with three locks,

containing a thousand marks, which were to be lent to young men

beginning business--an excellent gift. When there was a great dearth of

grain, it was the Lord Mayor who fitted out ships at his own expense and

brought corn from Prussia, which lowered the price of flour by one-half.

In the acts of these grave magistrates one can read the deep love they

bore to the City, their earnest striving for the administration with

justice of just laws, for the maintenance of good work, for the relief

of the poor, for the provision of water, and for education. Lollardism

was nothing to them. What concerned them in religion was the luxury, the

sloth, and the scandalous lives of the religious. Order they loved,

because it is only by the maintenance of order that a city can flourish.

Honesty in work of all kinds they loved, so that while they hated the

man who pretended to do true work and proffered false work, it grieved

and shamed them to see one who professed the life of purity wallow in

wickedness, like a hog in mud. Obedience they required, because without

obedience there is no government. As for the working-man, the producer,

the servant, having any share in the profits or any claim to payment

beyond his wage, such a thought never entered the head of Whittington or

Sevenoke. They were rulers; they were masters; they paid the wage; they

laid their hands upon the profits.

[Illustration: THE THAMES FRONT, A.D. 1540]

Tradition--which is always on the side of the weak--maintains that the

great merchants of the past, for the most part, made their way upward

from the poorest and most penniless conditions. They came from the

plough-tail or from the mechanic's shop; they entered the city paved

with gold, friendless, with no more than twopence, if so much, in their

pockets; they received scant favor and put up with rough fare. Then

tradition makes a jump, and shows them, on the next lifting of the

curtain, prosperous, rich, and in great honor. The typical London

merchant is Dick Whittington, whose history was blazoned in the cheap

books for all to read. One is loath to disturb venerable beliefs, but

the facts of history are exactly the opposite. The merchant adventurer,

diligent in his business, and therefore rewarded, as the wise man

prophesied for him, by standing before princes, though he began life as

a prentice, also began it as a gentleman. He belonged, at the outset, to

a good family, and had good friends both in the country and the town.

Piers Plowman never could and never did rise to great eminence in the

city. The exceptions, which are few indeed, prove the rule. Against such

a case as Sevenoke, the son of poor parents, who rose to be Lord Mayor,

we have a hundred others in which the successful merchant starts with

the advantage of gentle birth. Take, for example, the case of

Whittington himself.

He was the younger son of a Gloucestershire country gentleman, Sir

William Whittington, a knight who was outlawed for some offence. His

estate was at a village called Pauntley. In the church may still be seen

the shield of Whittington impaling Fitzwarren--Richard's wife was Alice

Fitzwarren. His mother belonged to the well-known Devonshire family of

Mansell, and was a cousin of the Fitzwarrens. The Whittingtons were thus

people of position and consideration, of knightly rank, _armigeri_,

living on their own estates, which were sufficient but not large.

For a younger son in the fourteenth century the choice of a career was

limited. He might enter the service of a great lord and follow his

fortunes. In that turbulent time there was fighting to be had at home as

well as in France, and honor to be acquired, with rank and lands, by

those who were fortunate. He might join the livery of the king. He might

enter the Church: but youths of gentle blood did not in the fourteenth

century flock readily to the Church. He might remain on the family

estate and become a bailiff. He might go up to London and become a

lawyer. There were none of the modern professions--no engineers,

architects, bankers, journalists, painters, novelists, or dramatists;

but there was trade.

Young Dick Whittington therefore chose to follow trade; rather that line

of life was chosen for him. He was sent to London under charge of

carriers, and placed in the house of his cousin, Sir John Fitzwarren,

also a gentleman before he was a merchant, as an apprentice. As he

married his master's daughter, it is reasonable to suppose that he

inherited a business, which he subsequently improved and developed

enormously. If we suppose a single man to be the owner of the Cunard

Line of steamers, running the cargoes on his own venture and for his own

profit, we may understand something of Whittington's position in the

city. The story of the cat is persistently attached to his name; it

begins immediately after his death; it was figured on the buildings

which his executors erected; it formed part of the decorations of the

family mansion at Gloucester. It is therefore impossible to avoid the

conclusion that he did himself associate the sale of a cat--then a

creature of some value and rarity--with the foundation of his fortunes.

Here, however, we have only to do with the fact that Whittington was of

gentle birth, and that he was apprenticed to a man also of gentle birth.

[Illustration: ANCIENT COURT OF BRIDEWELL PALACE]

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