I had just gotten off the subway when a ragged-looking street person came walking up to me and asked, "Excuse me. Do you have a dollar?"

Ordinarily I'm a soft touch, but I hadn't been able to get to an ATM that day and my purse was practically empty. "I'm sorry. I don't," I apologized.

"Here you go," he said, handing me a single. "Good luck."

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