twelve o'clock
Credit is the next best thing to capital , but Sam had no credit . He found that out , after an ineffectual attempt to borrow money of a boot-black , who , having ten dollars in a savings-bank , was regarded in his own class with high respect as a wealthy capitalist . The name of this exceptional young man was William Clark , better known among the boys as Ready Money Bill . When twelve o'clock came , and Sam had earned nothing , he bethought himself of Bill , the capitalist . `` Bill , '' he said , `` I want to borrer a dollar . '' `` You do ! '' said Bill , sharply .