John gives Charlie $15,000 to pay back Mr. Brown, but while on the train, Charlie loses it to an old lady and is beaten by Brown’s men as punishment. John is visited by Grace, having both realized their mutual attraction to each other and the two have sex. Returning home, stopping by John’s apartment, he is saddened to spot Grace and John sleeping together and walks away, with John feeling remorse for hurting Charlie (as well as disappointment after Charlie tells him he lost the money).