"Yes, he's a dead-beat."

"A what?"

"A dead-beat. Don't you understand English?"

"He told me that he did business on Wall street."

The boot-black shrieked with laughter.

"He do business on Wall street!" he repeated. "You're jolly green, you are!"

Frank was inclined to be angry, but he had the good sense to see that his new friend was right. So he said good-humoredly, "I suppose I am. You see I am not used to the city."

"It's just such fellows as you he gets hold of," continued the boot-black. "Didn't he make you treat?"

"I may as well confess it," thought Frank. "This boy may help me with advice."

"Yes," he said aloud. "I hadn't but twenty-five cents, and he made me spend it all. I haven't a cent left."