"Umbrella home, lady?"

She nodded. "To the hotel."

Behind her loomed a tall, slightly bowed, black-haired lawyer whom John had seen on the long, wooden veranda of that substitute for home more times than he could count on his ten fingers. He, too, took advantage of a rented shelter. Together the couple made their way down the dripping steps while John followed exultantly. Two at once—and the hotel but a scant block and a half away! At the broad entrance, they paused.

"How much do I owe you, little boy?" asked the lady, with a smile.



"Dime," was the laconic answer. Another train was due in ten minutes and there was no time to waste. She opened a dainty leather purse, while the lawyer paid his debt from a pocketful of small change. Twenty cents at once. That was luck. A moment later John was sprinting back at top speed.

No double fare the next time, but the helpless stenographer lived a street farther west, and each additional block meant another nickel according to the unwritten umbrella tariff.

"Fifteen cents, madam," he demanded.