Story Structure — 5 Plot Phases
Fortune Lost
Alice Lambert's decade of idleness and luxury ends when she has no funds left. She is forced to seek a way to support herself.
Key Events
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Luxury Comes To An End — After ten years of idleness and luxury, Alice finds herself without funds. Characters: Alice Lambert
Location: Alice Lambert's former life
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Forced To Seek Work — Alice must make her way in the world after losing her financial resources. Characters: Alice Lambert
Location: Unspecified setting
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Cloak Modeling Begins — Alice secures work as a cloak model. Characters: Alice Lambert
Location: Cloak shop
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Shop Proprietor Advances — The shop proprietor attempts to embrace Alice. Characters: Alice Lambert
Location: Cloak shop
Escaping Exploitation
Alice becomes a cloak model but leaves after the proprietor attempts to embrace her. Her next position as an artist's model ends when the artist attempts violent advances.
Key Events
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Alice Leaves The Shop — Alice leaves the cloak shop after the proprietor's unwanted advance. Characters: Alice Lambert
Location: Cloak shop
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Artist Modeling Begins — Alice secures another job as an artist's model. Characters: Alice Lambert
Location: Artist's studio
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Second Threat Emerges — The artist attempts to make violent love to Alice. Characters: Alice Lambert
Location: Artist's studio
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Flight From The Studio — Alice flees from the studio half clad. Characters: Alice Lambert
Location: Artist's studio
Refuge With David
Alice flees half clad and seeks refuge in David Leighton's studio. David prevents her suicide and offers a large loan.
Key Events
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Seeking Another Refuge — After fleeing the second studio, Alice seeks refuge elsewhere. Characters: Alice Lambert
Location: Unspecified setting
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Arrival At David's Studio — Alice seeks refuge in the studio belonging to artist David Leighton. Characters: Alice Lambert, David Leighton
Location: David Leighton's studio
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Suicide Is Prevented — David prevents Alice from taking her own life. Characters: Alice Lambert, David Leighton
Location: David Leighton's studio
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The Fifty Thousand Dollar Offer — David offers Alice a loan of $50,000. Characters: Alice Lambert, David Leighton
Location: David Leighton's studio
The Insurance Bargain
David conditions the $50,000 loan on Alice purchasing a $75,000 life insurance policy for one year. He expects a $25,000 profit from her supposed death.
Key Events
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Insurance Condition Revealed — The loan requires Alice to take out a $75,000 life insurance policy. Characters: Alice Lambert, David Leighton
Location: David Leighton's studio
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One Year Deadline Set — The policy is arranged for a one-year period. Characters: Alice Lambert, David Leighton
Location: David Leighton's studio
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David Expects A Profit — David expects to be $25,000 ahead if Alice dies at the end of the year. Characters: Alice Lambert, David Leighton
Location: David Leighton's studio
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The Bargain Takes Effect — Alice accepts the arrangement that links her survival to David's financial calculation. Characters: Alice Lambert, David Leighton
Location: Unspecified setting
Incidents And Resolution
The unusual financial arrangement causes several incidents as the one-year expectation approaches. The story ultimately reaches a happy ending.
Key Events
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Incidents Follow The Bargain — The insurance bargain produces several incidents during the year. Characters: Alice Lambert, David Leighton
Location: Unspecified setting
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The Death Expectation Looms — The supposed death at the end of the policy year remains central to the bargain. Characters: Alice Lambert, David Leighton
Location: Unspecified setting
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The Bargain Reaches Its Crisis — The incidents culminate around the consequences of the life insurance scheme. Characters: Alice Lambert, David Leighton
Location: Unspecified setting
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A Happy Ending — The scheme concludes with a happy ending. Characters: Alice Lambert, David Leighton
Location: Unspecified setting
After the death of her benefactress, Mrs. Beresford, Alice Lambert is evicted by Ruth, Mrs. Beresford's jealous niece; and in despair Alice seeks employment as a model. Her refusal to accept the attentions of Monsieur Armand ends in her dismissal