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The following morning, Nancy goes for a walk in the park to clear her head. She notices the Topham sisters sitting on a bench and discussing Josiah Crowley’s will. They’re convinced that Josiah hid one even though their mother watched him like a hawk. Nancy thinks, “There’s no doubt in my mind now that if there is a later will, the Tophams haven’t destroyed it. How thrilling! But where can it be?” (60).
Nancy decides to question a few of the other beneficiaries of Crowley’s secret will. The Turner sisters point her to their former suitors, Fred and William Mathews. The brothers own a farm nearby. They confirm that the old man intended to provide for them in his will but know nothing more about the matter.
Nancy then turns to an elderly woman named Abby Rowen. When she arrives at the Rowen house, Nancy finds that the old woman has taken a bad fall and sprained her ankle. She’s poor and in need of help. After bandaging Abby’s ankle and preparing her lunch, Nancy questions Abby about the missing will, and Abby insists that she saw it in Josiah’s hand. Although she never read the contents, Abby knows that it was signed and witnessed.
Pressing for more information, Nancy learns that the will is somehow associated with Crowley’s clock. He told Abby that his notebook contains information on the whereabouts of the will, but the old woman doesn’t know where the notebook is. Pursuing the clock angle, Nancy learns that the Tophams probably have it. Therefore, she must call on the family. Since they dislike her, gaining entry will be a challenge.
When she arrives back home, Nancy finds her friend Helen Corning waiting. Helen needs to sell some tickets to a charity ball before heading to her aunt’s summer camp at Moon Lake. Nancy gets a brainstorm and buys Helen’s remaining tickets. She then presents herself at the Topham house and says that the charity ball will be the social event of the season. Mr. Topham decides that getting his name listed as a patron is good for his image, so he buys the tickets. Nancy also learns that Crowley’s old clock was sent to the family’s cottage at Moon Lake. She’s told that she can ask the caretaker to show it to her.
The following day, Nancy heads to the camp at Moon Lake. She has a flat tire on the way but knows how to change it and is soon on her way again. After greeting Helen and her friends, she checks into the camp as a guest for the week, intending to gain access to the Topham cabin while she’s there.
Helen and the other campers involve Nancy in all their hiking, swimming, and boating activities, which makes it hard for the detective to slip away. Helen takes Nancy for a boat ride and points out the Topham cabin on the other side of the lake.
After learning that the Topham place is easiest to reach by water, Nancy asks to borrow the camp’s boat the following morning. She sets out early, but as she nears her destination, the boat’s motor dies. Nancy spends hours trying to fix it. Late in the day, she makes one final attempt and gets the motor running, but it’s now too late to do anything but return to camp.
Trying another tactic, Nancy checks out the next morning and drives to the other side of the lake. She notices that the Topham cabin door is open, the caretaker is missing, and most of the belongings have been removed. When she sees a rough-looking man approaching the front door, she ducks inside a closet.
The man is joined by two others. From their conversation, it becomes clear that they’re robbers and are clearing out the cottage. Nancy surmises that these may be the same men who stole the silver heirlooms from the Turners. Unable to stifle a sneeze in the dusty closet, Nancy is discovered. She tells them, “You have no right to be here, helping yourself to the Tophams’ furniture! […] You should be turned over to the police!” (109). The ringleader gleefully replies, “Well, you’ll never get the chance to do it. […] You’ll wish you’d never come snoopin’ around here” (109). He shoves her back into the closet, locks it, and takes the key.
The men drive off in their van, and Nancy tries to pick the lock and force the door, but nothing works. Fighting panic and despair, she sits in the dark for hours before an idea occurs to her. Pulling a clothes bar out of the wall and using it as a lever, she pries off the closet door’s hinges.
At that moment, the cottage caretaker, Jeff Tucker, appears. He was locked up in an outside shed and has just freed himself. Jeff confirms that Crowley’s clock once stood on the mantel, but the thieves took it. Nancy rushes out and drives to the nearest State Police headquarters to report the theft.
In examining the difficulties of those whom Crowley intended to benefit, this segment indirectly relates to The High Price of Greed, one of the book’s major themes. Nancy has already learned about the financial problems of the Turners and Hoovers. Now she learns that the Mathews brothers need a helping hand as well. The direst situation is evident when Nancy visits the elderly Abby Rowen. The old woman is injured and has no one to care for her; she doesn’t even have enough money to buy food.
In contrast to those who suffer because of the greed of others, the opposite side of the coin becomes clear when Nancy overhears a conversation between the grasping Topham sisters, who speculate about the money they’ll inherit if they can suppress any evidence of a second will. Later, Nancy visits the Topham home and is received only because she offers the bait of charity ball tickets that might advance the family’s social standing. Mr. Topham explicitly states that being listed as a patron for the charity will enhance his status. Generosity never crosses his mind as a motive for buying tickets for charity.
Nancy encounters another display of greed when she crosses paths with the robbers who are looting the Topham cabin. Their greed motivates them to lock her in a closet without any thought of possible consequences. They’ve already done the same to the property’s caretaker. Potentially, they could be responsible for the deaths of two innocent people, but money matters more than human life to them.
Aside from an examination of greed and its consequences, this segment highlights another of the book’s main themes, A Modern Heroine. Nancy demonstrates the heroic qualities of generosity, resourcefulness, and determination under various circumstances in these chapters. Initially, she shows her charitable side by caring for the injured Abby Rowen and refusing to use the old woman’s money to pay for food and supplies. Later, she reveals her cleverness by using the charity ball tickets as a pretext to gain access to the Topham home. She demonstrates her independence and capability most during the Moon Lake episode by solving problems that men usually do. She changes a flat tire on the way to the camp and fixes a broken outboard motor while stranded on the lake. When she’s locked in a closet, she rips a clothes bar out of the wall and uses it as leverage to pry off the door’s hinges.
In all these exploits, Nancy isn’t immune to fear. This is especially apparent when she rebukes the thieves: “A fresh wave of fright swept over Nancy, but resolutely she held on to her courage. ‘You have no right to be here, helping yourself to the Tophams’ furniture!’” (109). Once the burglars shove her inside a closet and leave, panic really sets in:
She began to think of her father, of Hannah Gruen, of Helen Corning, and other dear friends. Would she ever see them again? As despondency claimed Nancy, she was dangerously near tears. ‘This will never do,’ she reprimanded herself sternly. ‘I must keep my head and try to think of some way to escape’ (113).
Ultimately, Nancy refuses to be paralyzed by despair and succeeds in finding a solution to her dilemma. Immediately after she frees herself, she demonstrates even more courage by jumping into her car and pursuing the thieves. The definition of a hero (or heroine) is someone who feels fear but doesn’t let it stop them. Nancy barely breaks stride as her pursuit of the villains continues in the final segment.