Story Structure — 4 Plot Phases
A Town Under Lockdown
A government-declared bank holiday unsettles a Vermont town in 1933. Ten $100 bills are placed in an inn's safe, creating the central mystery.
Key Events
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Vermont Town During Bank Holiday — A 1933 Vermont town faces a government-declared bank holiday.
Location: Vermont town
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Fear of Bank Runs — The bank holiday is intended to prevent nationwide runs on banks.
Location: Vermont town
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Ten Hundred-Dollar Bills — Ten $100 bills are placed in an inn's safe.
Location: Inn
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Horace Finds the Money — Horace discovers the bills inside the inn's safe. Characters: Horace Taylor
Location: Inn safe
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Debt Payment Assumption — Horace assumes the bills are payments from his debtors. Characters: Horace Taylor
Location: Inn
The Costly Mistake
Horace Taylor finds the bills and assumes they are payments from his debtors. He spends them immediately before Uncle Ed reveals that the money belonged to a guest.
Key Events
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Horace Pays His Debts — Horace immediately uses the bills to pay his own debts. Characters: Horace Taylor
Location: Vermont town
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Uncle Ed Reveals Ownership — Uncle Ed tells Horace that the money belonged to an inn guest. Characters: Uncle Ed, Horace Taylor
Location: Inn
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Horace Starts the Search — Horace begins a frantic effort to trace and recover the money. Characters: Horace Taylor, Uncle Ed
Location: Inn
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Bills Reach the Storekeeper — The circulating money reaches storekeeper J. J. Johnson. Characters: J. J. Johnson, Horace Taylor
Location: Store
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Horace Follows the Trail — Horace follows the bills as they move through town. Characters: Horace Taylor
Location: Vermont town
Money Through Many Hands
Horace pursues the bills as they circulate from J. J. Johnson to Geraldine Atherton and onward through other residents. Each transfer exposes another personal predicament.
Key Events
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Bills Reach Geraldine — The bills pass from J. J. Johnson to landlady Geraldine Atherton. Characters: Geraldine Atherton, J. J. Johnson
Location: Vermont town
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Geraldine's Predicament Emerges — Geraldine's personal drama is revealed through her possession of the money. Characters: Geraldine Atherton
Location: Lodging house
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Bills Reach a Lawyer — The money continues from Geraldine to a lawyer and his wife. Characters: Geraldine Atherton
Location: Vermont town
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Horace Loses the Trail — The elusive bills remain in circulation as Horace tries to catch up. Characters: Horace Taylor
Location: Vermont town
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Personal Dramas Intersect — The money exposes the connected financial problems of several residents. Characters: Geraldine Atherton, Horace Taylor
Location: Vermont town
The Search Converges
The money reaches an artist and his fiancée while two rum-running bootleggers begin their own search. Horace's pursuit becomes part of a wider competition surrounding the bills.
Key Events
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Bills Reach an Artist — The circulation continues to an artist and his fiancée.
Location: Vermont town
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Bootleggers Join the Search — Two rum-running bootleggers conduct their own search for the bills.
Location: Vermont town
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Competing Searches Converge — Horace's recovery effort overlaps with the bootleggers' search. Characters: Horace Taylor
Location: Vermont town
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Money Must Circulate — The circulating money links the residents' separate predicaments. Characters: Horace Taylor, Geraldine Atherton, J. J. Johnson, Uncle Ed
Location: Vermont town
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The Inside Story Emerges — The individual stories behind the money's journey are brought together. Characters: Horace Taylor, Uncle Ed, Geraldine Atherton, J. J. Johnson
Location: Vermont town
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Financial Crisis Reframed — The story concludes with money presented as something that needs to circulate. Characters: Horace Taylor, Uncle Ed, Geraldine Atherton, J. J. Johnson
Location: Vermont town
A collection agent arrives in a small town with $1000 for a local farmer. Whilst waiting for the farmer to arrive the money is put in a safe at a hotel for safe keeping. However, it is removed by mistake and solves a number of financial problems before it is returned.