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hat in question was in the last stages of dilapidation, looking as if it had been run over daily by an omnibus, and then used to fill the place of a broken pane, being crushed out of all shape and comeliness.

      Martin aimed a blow at Ben, but the boot-black dexterously evaded it, and, slinging his box over his back, darted down Nassau Street.

      Later in the day he met Rough and Ready.

      "I see the gov'nor this mornin'," said Ben.

      "What, Mr. Martin?"

      "Yes."

      "What did he say?"

      "He inquired after you in the most affectionate manner, and wanted to know where you was at work."

      "I hope you didn't tell him."

      "Not if I know myself. I told him he'd see the name on the sign. Then he wanted to borrow fifty cents for a week."

      Rufus laughed.

      "It's a good investment, Ben. I've invested considerable money that way. I suppose you gave him the money?"

      "Maybe I did. He offered me the chance of blacking his boots every day for a week, if I'd lend him the money; but I had to resign the glorious privilege, not havin' been to the bank this mornin' to withdraw my deposits."

      "You talk like a banker, Ben."

      "I'm goin' to bankin' some day, when boot-blacking gets dull."

      Ben Gibson had been for years a boot-black, having commenced the business when only eight years old. His life had been one of hardship and privation, as street life always is, but he had become toughened to it, and bore it with a certain stoicism, never complaining, but often joking in a rude way at what would have depressed and discouraged a more sensitive temperament. He was by no means a model boy, though not as bad as many of his class. He had learned to smoke and to swear, and did both freely. But there was a certain rude honesty about him which led Rufus, though in every way his superior, to regard him with friendly interest, and he had, on more than one occasion, been of considerable service to our hero in his newsboy days. Rufus had tried to induce him to give up smoking, but thus far without success.

      "It keeps a feller warm," he said; "besides it won't hurt me. I'm tough."

      CHAPTER IV.

      HOW JAMES MARTIN CAME TO GRIEF

      After parting with Ben Gibson, James Martin crossed the street to the City Hall Park, and sat down on one of the wooden benches placed there for the public accommodation. Neither his present circumstances nor his future prospects were very brilliant. He was trying to solve the great problem which has troubled so many lazy people, of how best to live without work. There are plenty of men, not only in our cities, but in country villages, who are at work upon this same problem, but few solve it to their satisfaction. Martin was a good carpenter, and might have earned a respectable and comfortable livelihood, instead of wandering about the streets in ragged attire, without a roof to shelter him, or money to pay for a decent meal.

      As he sat on the bench, a cigar-boy passed him, with a box of cigars under his arm.

      "Cigars," he cried, "four for ten cents!"

      "Come here, boy," said Martin. The boy approached.

      "I want a cigar."

      "I don't sell one. Four for ten cents."

      Martin would willingly have bought four, but as his available funds amounted only to four cents, this was impossible.

      "I don't want but one; I've only got four cents in change, unless you can change a ten-dollar bill."

      "I can't do that."

      "Here, take three cents, and give me a prime cigar."

      "I'll sell you one for four cents."

      "Hand over, then."

      So Martin found himself penniless, but the possessor of a cigar, which he proceeded to smoke with as much apparent enjoyment as if he had a large balance to his credit at the bank.

      He remained in the Park till his cigar was entirely smoked, and then sauntered out with no definite object in view. It occurred to him, however, that he might as well call on the keeper of a liquor saloon on Baxter Street, which he had frequently patronized.

      "How are you, Martin?" asked "Jim," that being the name by which the proprietor was generally known.

      "Dry as a fish," was the suggestive reply.

      "Then you've come to the right shop. What'll you have?"

      Martin expressed his desire for a glass of whiskey, which was poured out, and hastily gulped down.

      "I'm out of stamps," said Martin, coolly. "I s'pose you'll trust me till to-morrow."

      "Why didn't you say you hadn't any money?" demanded Jim, angrily.

      "Come," said Martin, "don't be hard on an old friend. I'll pay you to-morrow."

      "Where'll the money come from?" demanded Jim, suspiciously.

      This was a question which Martin was quite unable to answer satisfactorily to himself.

      "I'll get it some way," he answered.

      "You'd better, or else you needn't come into this shop again."

      Martin left the saloon rather disappointed. He had had a little idea of asking a small loan from his friend "Jim;" but he judged that such an application would hardly be successful under present circumstances. "Jim's" friendship evidently was not strong enough to justify such a draft upon it.

      Martin began to think that it might have been as well, on the whole, to seek employment at his trade in Brooklyn, for a time at least, until he could have accumulated a few dollars. It was rather uncomfortable being entirely without money, and that was precisely his present condition. Even if he had wanted to go back to Brooklyn, he had not even the two cents needed to pay the boat fare. Matters had come to a crisis with Martin financially, and a suspension of specie payments was forced upon him.

      He continued to walk about the streets in that aimless way which results from absence of occupation, and found it, on the whole, rather cheerless work. Besides, he was beginning to get hungry. He had eaten a hearty breakfast at his boarding-house in Brooklyn, but it was now one o'clock, and the stomach began to assert its claims once more. He had no money. Still there were places where food, at least, could be had for nothing. He descended into a subterranean apartment, over the door of which was a sign bearing the words Free Lunch.

      As many of my readers know, these establishments are to be found in most of our cities. A supply of sandwiches, or similar food, is provided free for the use of those who enter, but visitors are expected to call and pay for one or more glasses of liquor, which are sold at such prices that the proprietor may, on the whole, realize a profit.

      It was into one of those places that James Martin entered. He went up to the counter, and was about to help himself to the food supplied. After partaking of this, he intended to slip out without the drink, having no money to pay for it. But, unfortunately for the success of his plans, the keeper at the saloon had been taken in two or three times already that day by similar impostors. Still, had James Martin been well-dressed, he could have helped himself unquestioned to the provisions he desired. But his appearance was suspicious. His ragged and dirty attire betokened extreme poverty, and the man in charge saw, at a glance, that his patronage was not likely to be desirable.

      "Look here, my friend," he said, abruptly, as Martin was about to help himself, "what'll you take to drink?"

      "A glass of ale," said Martin, hesitatingly.

      "All right! Pass over the money."

      "The fact is," said Martin, "I left my pocket-book at home this morning, and that's why I'm obliged to come in here."

      "Very good! Then you needn't trouble yourself to take anything. We don't care about visitors that leave their pocket-books at home."

      "I'll pay you double to-morrow," said Martin, who had no hesitation in making promises he hadn't the least intention of fulfilling.

      "That won't go down," said the other. "I don't care

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