Denny drives to the Mamaroneck location to meet Billy Walsh. The narrator states that Denny saw the opening of the Mamaroneck location as a great business opportunity due to Mamaroneck’s modernity and diversity and that making it a bar and restaurant would be good for the business. On top of his other expenses, the cost of the new location has forced him to take out a large amount of money from the business account and take out a loan from Billy Walsh. The new site had severe pipe leakage that Denny needed to fix, costing him more money. He hopes that Billy will give him another month to pay back the loan and that the opening will go well enough that he will be able to pay back his expenses.

He waits for Billy and recalls asking for a private loan, which Billy willingly offered. Billy moved to West Manor from Belfast as a child, and his father worked for Mickey but succumbed to his alcoholism. Billy got into trouble frequently growing up and was later arrested for domestic violence after a drunken fight with a girlfriend. After this, he moved back to Belfast temporarily before returning to New York. Billy enters the restaurant and tells Denny that he is living in Katonah.