"I suppose you have some left," said the stranger, persuasively.

"Twenty-five cents," answered Frank, laughing. "That isn't a very big capital to start on, is it?"

"Is that all you've got?" asked the shabbily dressed stranger, in a tone of disappointment.

"Every cent."

"I wish I had ten dollars to give you," said the stranger, thoughtfully.

"Thank you, sir; I wish you had," said Frank, his eyes resting on the dilapidated attire of his benevolent companion. Judging from that, he was not surprised that ten dollars exceeded the charitable fund of the philanthropist.

"My operations in Wall street have not been fortunate of late," resumed the stranger; "and I am in consequence hard up."

"Do you do business in Wall street?" asked Frank, rather surprised.

"Sometimes," was the reply. "I have lost heavily of late in Erie and Pacific Mail, but it is only temporary. I shall soon be on my feet again."

"I hope so, sir," said Frank, politely.