"Yes," said the passenger, with an answering smile. "I am afraid I couldn't get along on that sum now."

"Do you live in the city?" asked Grit, with a sudden impulse.

"Yes, I live in what I regard as the city. I mean New York."

"It must be a fine place," said the young boatman thoughtfully.

"Yes, it is a fine place, if you have money enough to live handsomely. Did you ever hear of Wall Street?"

"Yes, sir."

"I am a Wall Street broker. I commenced as a boy in a broker's office. I don't think I was any better off than you at your age—certainly I did not earn so much money."

"But you didn't have a mother to take care of, did you, sir?"

"No; do you?"

"Yes, sir."