As may be inferred, Phil did not expect to return home in style. A first-class ticket on a Cunarder was far above his expectations. He would be content to go by steerage all the way, and that could probably be done for the sum he named. So his sadness was but brief, and be soon became hopeful again.

He was aroused from his thoughts of home by a hand laid familiarly on his shoulder. Turning, he saw a bootblack, whose adventures have been chronicled in the volume called “Ragged Dick.” They had become acquainted some three months before, Dick having acted as a protector to Phil against some rough boys of his own class.

“Been buyin’ stocks?” asked Dick.

“I don’t know what they are,” said Phil, innocently.

“You’re a green one,” said Dick. “I shall have to take you into my bankin’ house and give you some training in business.”

“Have you got a bankin’ house?” asked Phil, in surprise.

“In course I have. Don’t you see it?” pointing to an imposing-looking structure in front of which they were just passing. “My clerks is all hard to work in there, while I go out to take the air for the benefit of my constitushun.”

Phil looked puzzled, not quite understanding Dick’s chaffing, and looked rather inquiringly at the blacking box, finding it a little difficult to understand why a banker on so large a scale should be blacking boots in the street.

“Shine your boots, sir?” said Dick to a gentleman just passing.

“Not now; I’m in a hurry.”