Cyril describes Charles Avery as a wealthy banker who often cheated on his taxes and spent time in prison. Despite his financial and personal flaws, Cyril mentions that Charles was fun to be around and had a reputation with women during his youth. He also recalls Charles' comments about Cyril not being a "real Avery," which Cyril found unnecessary and somewhat hurtful.
He reflects that Charles' remark was probably more matter-of-fact than malicious and shares that both men have passed away. Cyril admits he still misses Charles, indicating a sense of fondness despite their complicated history.