CHAPTER XV.
PHIL'S NEW PLANS As the clock struck twelve Phil reached the necktie stand of his friend, Paul Hoffman.
"Just in time," said Paul.

"Are you hungry ?" "A little." "That's right.

You're going to dine with me; and I want you to bring a good appetite with you." "What will your mother say ?" asked Phil, doubtfully.
"Wait and see.

If you don't like what she says you can go off without eating.

Where have you been ?" "I went down to Wall Street." "On business ?" inquired Paul, with a smile.
"No," said Phil, seriously.