Visual Description: An urban beggar, with cup in hand, uttering an all too familiar phrase.
ERTOPY = POETRY, CORCUN = CONCUR, GOBNEY = BYGONE, RANCOY = CRAYON, BUNNIO = BUNION, YOWHLL = WHOLLY — Giving us: OTCCOECRONILL
Clue/Question: Another name for a panhandler.
Answer: A COIN COLLECTOR
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