The chapter opens with a discussion of the recent bankruptcy of the company. It is clear that the market price of the stock is going down, which means that the company is going to have to go out of business. As a result, it is not the fault of Raina Annie, who joined the company, but of William Brandon, who has come to save the company and is now living with them. The chapter ends with a soliloquy by the master of the house, in which he tells the audience that he will do everything in his power to protect William.