"You talk like a banker, Ben."

"I'm goin' to bankin' some day, when boot-blacking gets dull."

Ben Gibson had been for years a boot-black, having commenced the business when only eight years old. His life had been one of hardship and privation, as street life always is, but he had become toughened to it, and bore it with a certain stoicism, never complaining, but often joking in a rude way at what would have depressed and discouraged a more sensitive temperament. He was by no means a model boy, though not as bad as many of his class. He had learned to smoke and to swear, and did both freely. But there was a certain rude honesty about him which led Rufus, though in every way his superior, to regard him with friendly interest, and he had, on more than one occasion, been of considerable service to our hero in his newsboy days. Rufus had tried to induce him to give up smoking, but thus far without success.

"It keeps a feller warm," he said; "besides it won't hurt me. I'm tough."


CHAPTER IV.

HOW JAMES MARTIN CAME TO GRIEF.

After parting with Ben Gibson, James Martin crossed the street to the City Hall Park, and sat down on one of the wooden benches placed there for the public accommodation. Neither his present circumstances nor his future prospects were very brilliant. He was trying to solve the great problem which has troubled so many lazy people, of how best to live without work. There are plenty of men, not only in our cities, but in country villages, who are at work upon this same problem, but few solve it to their satisfaction. Martin was a good carpenter, and might have earned a respectable and comfortable livelihood, instead of wandering about the streets in ragged attire, without a roof to shelter him, or money to pay for a decent meal.

As he sat on the bench, a cigar-boy passed him, with a box of cigars under his arm.

"Cigars," he cried, "four for ten cents!"