"Oh, Mr Zankiwank, what is this gentleman saying?" said Maude.

"It's all perfectly true," answered the Zankiwank. "You often hear of somebody who has half an hour to spare, don't you?"

"Of course."

"Very good. Sometimes you will hear, too, of somebody who has lost ten minutes."

"I see," said Willie.

"And somebody else will tell you they do not know what to do with their Time?"

"Go on," cried both children, more puzzled than ever.

"Well, instead of letting all the Time be wasted, Mr Swinglebinks has opened his exchange to receive all the spare time he can, and this he distributes amongst those who want an hour or a day or a week. But they have to pay for it——"

"Pay for it?"

"Time is money," called out Mr Swinglebinks.