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Rh Ned's imagination probably made things seem worse than they really were, but he was unaccustomed to city ways, and the memory of the inspector's words, and the angry men who had lost money through Skem & Skim acted as an incentive for him to do everything possible to avoid arrest, which he felt would follow any disclosure of his identity, such as would result from endorsing a check.

"The only clothes I've got are on me," Ned went on, continuing the process of "stock taking." He had a change of underwear and some clean collars, cuffs and handkerchiefs in his valise, and about ten dollars in bills. In his pocketbook he carried five dollars and there was a little change in his overcoat.

"I've got to sail pretty close to the wind," he told himself. "Fifteen dollars isn't going very far in New York. I must get work to do until this thing blows over, or something happens. That's what I'll do. I'll look for a job to-morrow."

The hotel at which Ned arrived a few minutes later did not look very inviting. Still, he reflected, he was not in a position to be particular. It was a five-storied building, and on both sides of it, were shops for the sale of various articles.