"Article second says that one of the objects of the association shall be the acquiring of good habits in general; and I am sure betting is a very bad habit."

"Well, I s'pose it is."

"But several gentlemen of Rippleton have subscribed fifty dollars as a prize to the winner of the race," added Frank; "just as they give medals in school, you know."

"Well, of course you will win."

"I don't know."

"You are used to your boat, and them fellers ain't."

"We can't tell yet; perhaps the Butterfly will prove to be a faster boat than the Zephyr, and some of Tony's members are a good deal larger and stouter than ours. I think the chances are about equal."

"I think likely. What are you going to do with the money if you win?"

"I don't know; we haven't thought of that yet," replied Frank, not particularly pleased with the question.

"Divide it among the fellers, I s'pose."