"I don't know," replied the latter; but a gleam of intelligence penetrated his mind. "I hadn't thought of it before."

"I don't know either, but I can guess," said Fred.

"You might guess wrong."

"Fifteen dollars is a great deal of money for a boy like him to have. His father works in one of the mills at Rippleton."

"Here comes Tony with his sister!"

"Where is your mother, Tony?"

"She couldn't go, but she said Mary might."

"Stop a moment, Tony, and we will bring the stern round by that rock," said Frank. "Stern all! Give way! Way enough! That will do; now pull on the larboard and back the starboard oars. Give way!"

The stern of the Zephyr came up to the rock, and the gallant coxswain assisted Mary to a seat by his side. Tony and Charles resumed their places at the oars.

"How pretty your boat is!" exclaimed Mary, delighted with the appearance of the Zephyr.