down Nassau street, they attracted the attention of some of the Arabs who were lounging about Printing-House square.
"I say, country, is that your long-lost uncle?" asked a boot-black.
"No, it isn't," answered Frank, shortly.
Though he was willing to avail himself of Mr. Percy's guidance, he was not ambitious of being regarded as his nephew.
"Heed not their ribald scoffs," said Montagu Percy, loftily. "Their words pass by me 'like the idle wind,' which I regard not."
"Who painted your nose, mister?" asked another boy, of course addressing Frank's companion.
"I will hand you over to the next policeman," exclaimed Percy, angrily.
"Look out he don't haul you in, instead," retorted the boy.
Montagu Percy made a motion to pursue his tormentors, but desisted.
"They are beneath contempt," he said. "It is ever the lot of genius to be railed at by the ignorant and ignoble. They referred to my nose being red, but mistook the cause. It is a cutaneous eruption—the result of erysipelas."
"Is it?" asked Frank, rather mystified.
"I am not a drinking man—that is, I indulge myself but rarely. But here we are."
So saying he plunged down some steps into a basement, Frank following him. Our hero found himself in a dirty apartment, provided with a bar, over which was a placard, inscribed:—
"FREE LUNCH."
"How much money have you got, Frank?" inquired Montagu Percy.
"Twenty-five cents."
"Lunch at this establishment is free," said Montagu; "but you are expected to order some drink. What will you have?"
"I don't care for any drink except a glass of water."
"All right; I will order for you, as the rules of the establishment require it; but I will drink your glass myself. Eat whatever you like."
Frank took a sandwich from a plate on the counter and ate it with relish, for he was hungry. Meanwhile his companion emptied the two glasses, and ordered another.
"Can you pay for these drinks?" asked the bar-tender, suspiciously.
"Sir, I never order what I cannot pay for."
"I don't know about that. You've been in here and taken lunch more than once without drinking anything."
"It may be so. I will make up for it now. Another glass, please."
"First pay for what you have already drunk."
"Frank, hand me your money," said Montagu.
Frank incautiously handed him his small stock of money, which he saw instantly transferred to the bar-tender.
"That is right, I believe," said Montagu Percy.
The bar-keeper nodded, and Percy, transferring his attention to the free lunch, stowed away a large amount.
Frank observed with some uneasiness the transfer of his entire cash capital to the bar-tender; but concluded that Mr. Percy would refund a part after they went out. As they reached the street he broached the subject.
"I didn't agree to pay for both dinners," he said, uneasily.
"Of course not. It will be my treat next time. That will be fair, won't it?"
"But I would rather you would give me back a part of my money. I may not see you again."
"I will be in the Park to-morrow at one o'clock."
"Give me back ten cents, then," said Frank, uneasily. "That was all the money I had."
"I am really sorry, but I haven't a penny about me. I'll make it right to-morrow. Good-day, my young friend. Be virtuous and you will be happy."
Frank looked after the shabby figure ruefully. He felt that he had been taken in and done for. His small capital had vanished, and he was adrift in the streets of a strange city without a penny.
CHAPTER II.
DICK RAFFERTY.
"I've been a fool," said Frank to himself, in genuine mortification, as he realized how easily he had permitted himself to be duped. "I ought to have stayed in the country."
Even a small sum of money imparts to its possessor a feeling of independence, but one who is quite penniless feels helpless and apprehensive. Frank was unable even to purchase an apple from the snuffy old apple-woman who presided over the stand near by.
"What am I going to do?" he asked himself, soberly.
"What has become of your uncle?" asked a boot-black.
Looking up, Frank recognized one of those who had saluted Percy and himself on their way to the restaurant.
"He isn't my uncle," he replied, rather resentfully.
"You never saw him before, did you?" continued the boy.
"No, I didn't."
"That's what I thought."
There was something significant in the young Arab's tone, which led Frank to inquire, "Do you know him?"
"Yes, he's a dead-beat."
"A what?"
"A dead-beat. Don't you understand English?"
"He told me that he did business on Wall street."
The boot-black shrieked with laughter.
"He do business on Wall street!" he repeated. "You're jolly green, you are!"
Frank was inclined to be angry, but he had the good sense to see that his new friend was right. So he said good-humoredly, "I suppose I am. You see I am not used to the city."
"It's just such fellows as you he gets hold of," continued the boot-black. "Didn't he make you treat?"
"I may as well confess it," thought Frank. "This boy may help me with advice."
"Yes," he said aloud. "I hadn't but twenty-five cents, and he made me spend it all. I haven't a cent left."
"Whew!" ejaculated the other boy. "You're beginnin' business on a small capital."
"That's
