“How did you manage, then?”

“Oh, I made so much more by banking.”

“By banking?” repeated Herbert, in astonishment.

“Yes; only it was a faro bank.  I used to pick up considerable that way, sometimes.”

“A faro bank!” repeated Herbert, in dismay.  “Why, that’s the same as gambling, isn’t it?”

“Well, what’s the odds?  You take your chance, and you may win or lose.  It’s a pretty fair thing.”

After this confession, Herbert became more than ever doubtful whether he should care to remain long in the company of his present companion.

Meanwhile, the cars were moving rapidly.  Peter Greenleaf, as he called himself, talked volubly, and appeared to have a considerable familiarity with certain phases of life, the knowledge of which was not likely to have been very profitable to him.  Still, Herbert was interested in his communications, though the opinion which he formed of him was far from favorable.

“Where are you going to stop when you get to New York?” inquired Peter.

“I don’t know anything about the city.  I suppose I shall have to go to a hotel first.”

“Suppose we go to French’s Hotel?”

“Where is that?”

“Near the park.  It’s on the European plan.  You pay fifty cents a day for your rooms, and whatever you please for your meals.”

“I think I shall like that.  I shall want to get into a boarding-house as soon as possible.”

“All right.  We’ll take a room together at the hotel.”

This arrangement was not to Herbert’s taste, but he did not care to offend his companion by objecting to it, so by his silence, he gave consent.

“What are you going to do in New York?” he asked.

“I shall look up a situation.  I won’t take less than fifteen dollars a week.  A man of my experience ought to be worth that.  Don’t you think so?”

“Yes,” said Herbert, dubiously, though it occurred to him that if he were an employer, he would not be likely to engage such a clerk at any price.  But it is rather fortunate, all things considered, that we are able to keep our thoughts to ourselves, otherwise, the complacency of our companions, and sometimes our own, would run the risk of being rudely disturbed.

In course of time the terminus of the road was reached, and, crossing over from Jersey City, Herbert found himself, for the first time in his life, in the noise and whirl of the great city.

“And I am actually to live here,” thought Herbert.  “I wonder what Mr. Holden would say if he knew where I was?” Uncertain as his prospects were, he felt very glad that he was out of the clutches of the petty despot, whose chief pleasure was to make him uncomfortable.  Here, at least, the future was full of possibilities of good fortune; there, it was certain discomfort and little to hope for.

“Where is the hotel you spoke of?” he asked, turning to Greenleaf.