# XXVIII explained — The Financier

> Chapter companion for The Financier by Theodore Dreiser.

## What happens

Cowperwood visits a distraught Stener to request an additional $300,000 loan to stave off failure during the financial panic triggered by the Great Chicago Fire. Stener, pressured by politicians Mollenhauer, Butler, and Simpson, refuses, fearing prosecution. Cowperwood warns Stener he is being manipulated and will be abandoned, but Stener remains paralyzed. Cowperwood leaves, contemplating his precarious legal position regarding undeposited city loan certificates.

## Themes in this chapter

### Ambition and Success

Cowperwood's relentless drive to secure the loan and his vision of future riches contrast with Stener's fear-driven paralysis.

### Deception and Self-Justification

Cowperwood rationalizes his illegal use of city loan certificates and manipulates Stener with warnings of political betrayal.

### The Role of Fortune and Crisis

The Great Chicago Fire acts as an external crisis that exposes the fragility of Cowperwood's financial empire and Stener's nerve.

## Character check-ins

### Frank Algernon Cowperwood

Arrives at Stener's office to demand an additional $300,000 loan; argues forcefully but fails to persuade Stener; leaves with a sense of impending doom but resolves to remain defiant.

### George W. Stener

Worried and distraught; refuses Cowperwood's request under pressure from Mollenhauer and others; pleads for return of $500,000; shows complete collapse of nerve.

### Henry A. Mollenhauer

Referenced as the political force who has warned Stener not to loan more money; Cowperwood accuses him of scheming to take over Stener's stocks.

### Edward Malia Butler

Mentioned by Cowperwood as part of the political trio (with Mollenhauer and Simpson) trying to gain control of the street-railway situation.

### Mark Simpson

Referenced by Cowperwood as another political figure aligned with Mollenhauer and Butler in the scheme against him.

### Albert Stires

Encountered by Cowperwood outside Stener's office; his presence triggers Cowperwood's recollection of the undeposited city loan certificates.

## Key lines

> George,” began Cowperwood, briskly, on seeing him, “I haven’t much time to spare now, but I’ve come, finally, to tell you that you’ll have to let me have three hundred thousand more if you don’t want me to fail.

Cowperwood bluntly informs Stener that he needs an additional $300,000 to avoid bankruptcy.

_Cowperwood's direct and urgent demand sets the tone for the confrontation._

> I can’t, Frank, I tell you!” exclaimed Stener, jumping up. He was so nervous that he had had a hard time keeping his seat during this short, direct conversation. “I can’t! They’ve got me in a corner! They’re after me!

Stener, trembling and panicked, refuses Cowperwood's request, claiming he is trapped by political enemies.

_Stener's physical agitation and fear highlight his complete loss of composure._

> They’re working you, George. They’re simply trying to get your stocks away from you. Mollenhauer is leading you on.

Cowperwood accuses Mollenhauer of manipulating Stener into selling his stocks cheaply.

_Cowperwood attempts to expose the political conspiracy he believes is behind Stener's refusal._

> It was the first time in his life that Cowperwood had ever shown the least sign of weakening or despair.

For the first time, Cowperwood experiences a moment of doubt and a sense of being pursued by fate.

_This marks a rare emotional crack in Cowperwood's usually unshakeable demeanor._

## Links

- HTML: https://www.betterreads.online/discover/the_financier_se/chapters/xxviii
- Book: https://www.betterreads.online/discover/the_financier_se
- All chapters: https://www.betterreads.online/discover/the_financier_se/chapters