- Frank feels guilty about the stealing he's doing and—spoiler!—his involvement in the robbery. Yep. He was the tall robber without a gun who tried to keep the gunman in check.
- The gunman, we learn, was Ward Minogue, the troubled son of the police detective.
- Frank remembers being in the car with him, prior to the robbery, waiting to attack Karp.
- Karp?
- Yes. He was the initial target, as he told Morris.
- When Karp gets away, Ward decides to hit the grocery store instead. A Jew is a Jew, he says.
- Frank protests, but goes along.
- Now he feels very bad about his participation.
- After passing a cemetery, Frank enters Pop's poolroom and asks about Ward. The owner points to the back.
- Ward's eyes shine with fear upon seeing Frank approach, but Ward calms down once he recognizes him.
- Ward tells Frank he's been in hiding from his father. He seems sick, but won't go see a doctor.
- They go out back.
- Frank requests his gun back. He doesn't want it traced to him.
- Ward says he'll give it back if Frank will help him stick up Karp.
- Certain Ward would be recognized, Frank suggests he rob somewhere else, but not with him.
- Ward agrees, but then gives Frank a hard time about working at the Bobers' store.
- Frank says he did it to quiet his conscience, but Ward tells him he did it to get close to Helen.
- We'll tell you who's right…you've just got to keep reading.