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A novel written in the late 19th century. The story is set in New York and explores themes of love, ambition, and social class through the experiences of its main character, Bertram Mandeville, a talented pianist navigating the complexities of his profession and aspirations for wealth and status to win the affection of Miss Preston, a young heiress. The opening of the narrative introduces a bleak New York City night filled with a bitter wind, establishing the story's tone. It then shifts to a somber young woman standing outside a cathedral, reflecting themes of despair and disillusionment. The narrative quickly transitions to the discussion between Mandeville and his uncle, who expresses concern over the risks of pursuing wealth through Wall Street compared to maintaining a successful musical career. Mandeville’s determination to pursue speculative investments stems from his love for a young woman above his social class. The chapter closes with Mandeville revealing his recent encounter with a mysterious old woman who delivered a note from a girl named Paula, hinting at a deeper connection that interweaves love and intrigue into the struggles of the characters.