one o'clock
Fred felt relieved , for it embarrassed him to be thanked , and since the evening previous no one had met him without speaking of his heroism . Now Fred was inclined to be modest , and he could not possibly feel that he had done anything heroic , though he was quite aware that he had saved the life of Rose Wainwright . He looked upon it rather as a fortunate opportunity for rendering his employer a valuable service . At one o'clock Fred took his hat , intending to go to lunch . He lunched at a quiet place in Nassau Street , and never spent over twenty-five cents for this meal , feeling that he must give the bulk of his salary to his mother . He was just going out when he heard his name called . Looking back , he saw that it was the broker himself who was speaking to him .