While running through the third car, you will hear the sound of money being exchanged.
Turn around and talk to the man running away. Reply "That's right" and the 100 Gil he stole
from you will be returned.
How far you get through the train determines how far you have to go through the Winding Tunnel.
If you make it to the last car, you will jump out right next to where you need to be. However, if you
get stuck on the first car, you will have a longer journey through the tunnel.