Ruth begins to work as a nurse, primarily for impoverished people and is very caring and conscientious in her work. Jemima and Mr. Farquhar live a happy life and have children of their own. Mr. Farquhar even offers to pay for sending Leonard off to school, but Mr. Benson is unsure if this is a good idea. One day, Mr. Benson notices that he is owed some money from his investments in the Bradshaw & Farquhar business. He mentions this to Mr. Farquhar, who begins to investigate it and notices that something is amiss. Mr. Bradshaw insists that Mr. Benson must be confused about what he was asking about, but Mr. Farquhar continues to investigate, and it begins to look as though Richard Bradshaw may have done something illicit.

Mr. Bradshaw is at first very defensive but becomes worried as he tries to get to the bottom of what happened. It looks increasingly as though Richard Bradshaw has forged Mr. Benson’s signature to embezzle money. In desperation, Mr. Bradshaw takes the document to Mr. Benson to ask if he signed over his shares. Mr. Benson confirms that he did not and that the signature is not his own.