From what our hero learned of Nellie Ardell he came to the conclusion that Alexander Slocum was every inch the villain he had taken him to be.

The real estate dealer had hoodwinked the girl completely, and she had surrendered to him all the documents her parent had left behind at the time of his death.

“It’s too bad,” said Jerry. “We must work together against him. But nothing can be done until my missing papers are recovered.”

Before he left, another matter was discussed and settled. In her new quarters Nellie Ardell had a small room she did not really need, and she offered to board Jerry at three dollars and a half a week. As this would be an acceptable saving just at present, our hero accepted the offer and agreed to make the change on the following Monday.

Sunday passed quietly. Jerry spent part of the day in writing a long letter home, telling the folks just how matters stood and urging them not to worry, as he felt certain all would come out right in the end, and that he was quite content to remain in New York and support himself until he had settled matters with Alexander Slocum. The letter was finished late in the afternoon, and after taking supper he went out to post it.

The novelty of life in the city had not yet passed, and, the letter put into a corner box, the young oarsman sauntered on and on, taking in the many strange sights.

He had gone a distance of half a dozen blocks when he came to a church. The doors were wide open, and as the congregation were singing, he stopped to listen to the music.

When the music stopped, our hero passed on down the street, which seemed to grow poorer as he advanced. The new houses gave place to those that were very old, and on all sides Jerry could see the effects of grinding poverty.

“It’s a great city,” he thought. “And it is true that one half doesn’t know how the other half lives.”

“Please, mister, will you give me five cents?”