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30 company great loss of property, if not of life itself. I should be a grateful boy to you, Mrs. Davis. Let me tell you why."

Ralph did tell her. He recited the story of the last hour at the levers. Before she could make a comment at its termination, he had written and thrust into her hand a note addressed to his mother.

"I'll take the ten dollars," said Mrs. Davis, in a subdued tone, after he had directed her to his home, "but only as a loan. You shall have it back quick as I can get word from my sister."

"As you like about that," answered Ralph. "I hope you will make a friend of my mother," he added. "She has had her troubles, and you would be the happier for asking her counsel."

"Yes, I've had a heap of troubles, boy," sighed Mrs. Davis. "Oh, dear! I may be a little good in the world, after all. And," with a wistful look at Ralph, "it's hopeful to think all boys aren't like bad Mort Bemis. And here I'm borrowing money from you, and don't even know your name."

She groped in a pocket and drew forth a worn memorandum book and a pencil. Then, opening the book at a blank page, she looked up inquiringly at Ralph.

"Fairbanks," dictated Ralph.