He was beginning to dread these restless nights with their hideous dreams, and he knew this would be, as others had been, a terror and a torment until morning came, and what awaited him in the morning he dreaded to think.

In the morning he found his uncle was fully determined to carry out his intention of going with him to the City, and speaking to Mr. Phillips of what had happened, and the two started out together.

Very little had been said at breakfast time, and the two walked silently along the road, for Mr. Flowers had made up his mind not to appeal to Tom's better feelings any more. In point of fact, since he had talked the matter over with his wife, and heard all she had to say, he had come to the conclusion that his nephew was very little better than this Jack himself, and that he had been altogether deceived in him.

They had walked some distance towards the City, when all at once Tom heard his name called, and looking round he saw Bob Ronan running towards him, and flourishing a red handkerchief, the one he had lost the previous day.

"I didn't know it had got money in it," roared Bob, as he came panting along, quite oblivious of the presence of Tom's uncle until he came up to them, and then he started with open mouth, as Mr. Flowers turned round, and holding out his hand said, in a severe tone, "You give me that handkerchief, my man."

Bob looked from one to the other and saw that things had gone wrong with his friend somehow, and thought his own love of fun might have caused the trouble.

"I hope you ain't angry with Tom because he lost this money, sir," he said, looking hard at Tom as he spoke.

"Never mind that now, you just give me the handkerchief, and tell me where you got it?"

"Why, out of Tom's pocket, to be sure," said Bob. "I only did it for a lark, just as we were going home last night, and if I'd knowed there was money tied in it, I wouldn't have touched it."

"What do you know about this money?" asked Mr. Flowers, rather severely, eyeing him as though he was as much to blame as Tom for what had happened.