In Philadelphia, Frank Cowperwood, whose father is a banker, makes his first money passing by an auction sale, he successfully bids for seven cases of Castile soap, which he sells to a grocer the same day with a profit of over 70 percent. Later, he gets a job in Henry Waterman & Company, and leaves it for Tighe & Company. He also marries an affluent widow, in spite of his young age. Over the years, he starts misusing municipal funds with the aid of the City Treasurer. In 1871, the Great Chicago Fire redounds to a stock market crash, prompting him to be bankrupt and exposed. Although he attempts to browbeat his way out of being sentenced to jail.