Billy gets a job at the Wellesley Street free clinic run by Dr. Stoker. His family disapprove because he has turned down Jack's job offer and will not be able to repay what he owes Bill and Tom. Charlotte Courtnay, a novelist from London, comes looking for her father, a priest who is also working with Stoker. She becomes friendly with Tom, but Jack thinks she is toying with him and persuades her to return to London before he gets hurt.