In which Mr. Sowerby is summoned to a grim interview in a sombre London office, where the inexorable business of debt and property foreclosure forces him to confront the shattering consequences of his own reckless stewardship of his ancestral estate. Though outwardly composed, he wrestles inwardly with the poignant justice of his ruin and the irrevocable loss of all that once defined his place in the world.