An additional flashback which occurs in the more recent past reveals Robert Townsend, in desperate need of $15,000, arriving at the Ramsey home to request a loan. He had refused David’s offers of help for 20 years, but needs him now. Joyce tells him David is away on business and won’t be back for 10 days; she is unable to help him. Her husband learns of her lie and comes to his former partner's aid; she is furious. He accuses Joyce of being callous and breaks off the conversation “before I tell you the truth about yourself.”