"Then I'm in for it," thought he. "I'll have to ask Hessie, and there'll be no end of a row. Of course she will give it to me in the end, but it would have been nicer all round if she had come out handsomely with a Christmas check. Of course these skates are dandy, and so is the dress-suit case and the nobby umbrella and the sleeve-buttons; but just at present I would rather have the cash they all cost."

He said something of this afterwards to Cynthia.

"Bronson is screwing me for all he's worth," said he. "I'll have to get the money somehow, and fifty dollars is no joke. Of course, I'm not going to take off the ten he so kindly offered for the canoe; I'd like to see myself! If Hessie doesn't see matters in the same light I'll have to do something desperate. But, of course, she will give it to me."

"Neal," said Cynthia, impulsively, "if mamma doesn't give you the money you must borrow it of me. There is that fifty dollars Aunt Betsey has given me. You can have it just as well as not."

"Cynthia, you're a brick, and no mistake," said Neal, looking at her affectionately, "but you know I wouldn't take your money for the world. You must think me a low-down sort of fellow if you think I would."

"How absurd! It is a great deal better to owe it to me instead of to a stranger like Bronson, or any one else. I'm sure I think of you just as if you were my brother, and Jack wouldn't mind taking it. You can pay it back when you get your own money."

"Yes, nine years from now," said Neal. "No, indeed, Cynth, I'll have to be pretty hard up before I borrow of a girl."

"I think you are too bad," said Cynthia, almost crying. "I don't see the difference between a girl and anybody else. I don't need the money; I don't know what to buy with it. I would just love to have you take it. It would be lovely to think my money had paid your debts, and then you could start all fresh. Please, Neal, say you will if mamma does not give it to you."

But Neal would not promise.

[to be continued.]