"I supposed so myself, till a short time since my uncle informed me that I was penniless, and must learn a trade."

"But where did the money go, then? How does your uncle make a living?"

"He has my father's old place, and appears to have enough to support himself and Ralph."

"Sit down here, young man! There is something strange about this. I want to ask you a few questions."

"You are the man I want to see," said Kit. "I think myself there is some mystery, and I would like to ask some questions about my uncle Stephen from some one who knew him here. I suppose you knew him?"

"No one knew him better. Many is the time he has come to me for a loan. He didn't always pay back the money, and I dare say he owes me still in the neighborhood of fifty dollars."

"Was he poor then?"

"He was in very limited circumstances. He pretended to be in the insurance business, and had a small office in the building near the hotel, but if he made four hundred dollars a year in that way it was more than any one supposed."

"Then," said Kit, puzzled, "how could he have lent my father ten thousand dollars?"

"He lend you father ten thousand dollars, or anybody else ten thousand dollars! Why, that is perfectly ridiculous. Who says he did?"