While dreaming of the future he suddenly came plump up against the present in the shape of the Jersey City Ferry toll house. Forgetting for the moment the empty character of his exchequer, he entered the gate and thrust his hand in his pocket for the requisite toll.

The pocket was empty!

Blushing at his forgetfulness, and stammering out something to the toll collector about having left all his change at home, Ben retreated from the gate and into the street again.

It was his first check. The first gate on his road. And to tell the truth he felt lost. Here was only two cents standing between himself and $20,000! Ridiculous! Nevertheless a very substantial fact.

For half an hour he loafed up and down the piers of the North River, wondering what he should do. Once it suggested itself to him to go back to his friends and acknowledge the attempt a failure. But he thrust the thought aside as cowardly. Go he would, though he had to swim to the opposite shore, or go up to Albany and walk around the river!

CHAPTER III.

PROFESSIONAL ADVICE.

While Ben reflected upon the majesty and power of two cents, seated on a check post, he was approached by a seedy individual, who had been hovering in this vicinity eyeing him stealthily, for some time.

"Mister," said the stranger, "would you be kind enough to help a man a little. I'm broke, and I'm sick. I have a wife and four children in Philadelphia. I'm a shoemaker by trade, and if I could once get back home, I'd get work; and, on my word and honor I'll send you any money you let me have."

Ben thought of his own utter financial emptiness and smiled. The man thought he doubted his integrity, and hastily promised: