"It may be," said Herbert, "but I haven't any money to lend."

"You have three dollars in your pocket at this moment."

"Yes, but it isn't mine. I must hand it to mother."

"And give up the chance of winning a prize. I'll promise to give you
half of whatever I draw, besides paying back the money."

"Thank you, but I can't spare the money."

"You are getting as miserly as the old man," said Eben, with a
forced laugh.

"Eben," said Herbert, seriously, "you don't seem to understand our
position. Mother has lost the post office, and has but eight dollars
a month income. I've earned three dollars this week, but next week I
may earn nothing. You see, I can't afford to spend money for lottery
tickets."

"Suppose by your caution you lose five hundred dollars. Nothing
risk, nothing gain!"

"I have no money to risk," said Herbert, firmly.

"Oh, well, do as you please!" said Eben, evidently disappointed. "I
thought I'd make you the offer, because I should like to see you win
a big prize."