chunk: John Girdlestone owns the firm of Girdlestone. It is a very lucrative business and John Girdlestone and his son Ezra Girdlestone are respected by everyone. Both father and son are cynics and have no other thought but for their business; after giving a donation of ÂŁ25 for charity, John Girdlestone remarks to himself that it is not a bad "investment", as it will make a favorable impression on the collector, who is a Member of Parliament, whose influence he hopes to use some day. Ezra, his son, is even more of a cynic, as the elder Girdlestone's cynicism is mitigated by his supposed religiosity. However, he manifests a great acumen for business, sometimes, even surpassing his father's sharpness in business matters. A series of disastrous speculations by the elder Girdlestone financially ruins the firm. After keeping the impending bankruptcy a secret from everyone for a time, he tells his son (whom he has fooled with a dummy ledger) about it, who is disgusted by his father's rashness.