“Mr. Peabody, with that cold you ought not to stick here,” Morgan said. Taking hat and umbrella, Peabody agreed to go home. Twenty minutes later, on his way to the Royal Exchange, Morgan found Peabody standing in the rain. “Mr. Peabody, I thought you were going home,” the younger man said. “Well, I am, Morgan,” Peabody replied, “but there’s only been a twopenny bus come along as yet and I am waiting for a penny one.”16 By this time, Peabody’s bank account bulged with over £1 million.
