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The Financier · Chapter

XII explained

Cowperwood secures a million-dollar bond award from the State through political influence, leveraging his relationship with Edward Butler.

What happens

Cowperwood secures a million-dollar bond award from the State through political influence, leveraging his relationship with Edward Butler. He plans to build a grand house on Girard Avenue, expand his business, and solidify his financial standing, while his wife Lillian shows signs of strain from domestic life.

Themes in this chapter

  • Ambition and Success

    Cowperwood's relentless drive to secure the bond award and build his fortune, reflecting his ambition for wealth and status.

  • Corruption and Power

    The use of political connections and favoritism to secure the bond award, highlighting the corrupt interplay between finance and politics.

  • Class and Social Mobility

    Cowperwood's plans to build a house on Girard Avenue and his social maneuvering with the Butlers illustrate his upward mobility.

Characters to notice

  • Frank Algernon Cowperwood

    Secures a million-dollar bond award, plans new house and office, reflects on ambition and luck.

  • Edward Malia Butler

    Cowperwood turns to Butler for political influence; Butler agrees to help with the bond award.

  • Lillian Cowperwood

    Shows support for Cowperwood's plans but is described as run down and depressed.

  • Henry Worthington Cowperwood

    Prospering due to his son's success; plans to build a house next to Frank's.

  • Julian Bode

    City Treasurer introduced to Cowperwood; promises to help with the bond issue.

  • Aileen Butler

    Mentioned as one of Butler's daughters; Cowperwood cautions Lillian not to overlook her.

Key passages

  • A little wit, a little nimbleness, a little luck—time and opportunity—these sometimes availed.

    Success often depends on a combination of intelligence, agility, luck, and the right moment.

    Reflects Cowperwood's philosophy on the role of fortune and personal effort in financial success.

  • He was to be rich, very, very rich.

    He foresaw a future of immense wealth.

    Highlights Cowperwood's unwavering ambition and confidence in his financial destiny.