Jack looked completely puzzled.

"And what am I do with the first penny that I take away?" he asked.

"You must keep that to go on for another ten pennies," said Jill with a knitted brow. "I'm sure that will be right, and the nine-pence you can spend any day you like."

"I'll spend it to-morrow, I think. I want a kite that I saw in the shop in the village, and I believe it costs about that. What am I to do with my tenth?"

"Keep it in a box or bag. Miss Falkner told you that. Now, Bumps, what have you got?"

"Five pennies," said Bumps importantly.

"You can't give a tenth then," said Jill, "for you haven't got one."

Bumps looked ready to cry.

"I'm alwayth being left out," she said; "do pleath make it come right. Can't I give one penny?"

A brilliant idea struck Jack.