# XXV explained — The Financier > Chapter companion for The Financier by Theodore Dreiser. ## What happens Cowperwood desperately seeks additional funds from Stener to avert financial ruin during a panic, but Stener, intimidated by Mollenhauer, Butler, and Simpson, refuses. Mollenhauer schemes to let Cowperwood fail in order to seize his street-railway holdings, while Stener's fear and indecision seal Cowperwood's fate. ## Themes in this chapter ### Ambition and Success Cowperwood's relentless drive to secure funds and control his financial empire contrasts with Stener's fear-driven paralysis, illustrating the ruthless pursuit of success. ### Corruption and Power Mollenhauer, Butler, and Simpson manipulate Stener and the city treasury for personal gain, showing how political and financial power corrupts. ### Deception and Self-Justification Mollenhauer pretends to support the party while secretly plotting to seize Cowperwood's assets; Stener deceives himself into thinking he can avoid responsibility. ## Character check-ins ### Frank Algernon Cowperwood Pleads with Stener for a loan of $300,000 to $350,000 to stave off failure during the panic; shows contempt for Stener's weakness. ### George W. Stener Torn between fear of Mollenhauer and loyalty to Cowperwood; ultimately refuses the loan, leading to Cowperwood's impending failure. ### Edward Malia Butler Consults with Mollenhauer and Simpson about Cowperwood's situation; agrees to support the market temporarily but is open to raiding Cowperwood's holdings. ### Henry A. Mollenhauer Schemes to frighten Stener into refusing Cowperwood aid, aiming to acquire Cowperwood's street-railway stock; sends secretary Sengstack to intercept Stener. ### Mark Simpson Joins Mollenhauer and Butler in discussing Cowperwood's fate; his subtle, cat-like demeanor masks his ruthless political and financial maneuvering. ### Albert Stires Stener's chief clerk; enters during Cowperwood's plea, interrupting the tense conversation. ## Key lines > Few people have the sense of financial individuality strongly developed. They do not know what it means to be a controller of wealth, to have that which releases the sources of social action—its medium of exchange. Most people lack a deep understanding of financial power; they don't grasp what it truly means to control wealth and the social influence it brings. _Narrator contrasts Cowperwood's financial acumen with Stener's ignorance._ > Cowperwood wanted money in that way; Stener not. That was why he had been so ready to let Cowperwood act for him; and now, when he should have seen more clearly than ever the significance of what Cowperwood was proposing, he was frightened and his reason obscured by such things as Mollenhauer’s probable opposition and rage, Cowperwood’s possible failure, his own inability to face a real crisis. Cowperwood sought money for power and control, while Stener only wanted comfort; this difference explains why Stener, now terrified by Mollenhauer's threats, cannot see the urgency of Cowperwood's proposal. _Highlights the psychological divide between the two men._ > If he (Mollenhauer) could get them he would not particularly care whether the election was lost this fall or not, although he felt satisfied, as had Owen, that it would not be lost. It could be bought, as usual. Mollenhauer was willing to sacrifice the election if he could acquire the streetcar lines, but he believed the election could still be won through bribery, as was customary. _Reveals Mollenhauer's cynical view of politics and his prioritization of personal gain._ ## Links - HTML: https://www.betterreads.online/discover/the_financier_se/chapters/xxv - Book: https://www.betterreads.online/discover/the_financier_se - All chapters: https://www.betterreads.online/discover/the_financier_se/chapters