"I do not doubt it, and it is to your credit to say so. But I feel I ought to do something for you. Will you accept this—not as payment for what was done, for I could not pay for that in this way—but as a gift from a friend?"

And Horace Kelsey drew from his vest pocket a new and crisp twenty-dollar bill.

"I don't see as I ought to take it," hesitated Ralph.

"But you will. Here, don't let it blow overboard," and the young man from New York thrust it into Ralph's hand, directly between a sandwich he was holding.

"Indeed I won't let it blow away. I thank you ver—hallo! you have made a big mistake."

"How?"

"This is a twenty-dollar bill."

"I see no mistake about that," and Horace Kelsey smiled quietly.

"You don't mean to say you meant to give me twenty dollars?"

"I did. It is little enough for such a service."