the amount of twelve thousand pounds sterling, which he disposed of to
the Bank of the United States at an advance of ten per cent., which
draft was followed up by another for ten thousand, which was disposed of
in like manner to other institutions. This act tended to reduce the
value of bills, and the rate of exchange suddenly fell. The same spirit
which he manifested toward the national currency he exhibited to the
corporation of Philadelphia, by erecting new blocks of buildings, and
beautifying and adorning its streets; less, apparently, from a desire of
profit than from a wish to improve the place which was his adopted home,
and where he had reaped his fortunes. His subscription of two hundred
thousand dollars to the Danville and Pottsville Railroad, in 1831, was
an action in keeping with the whole tenor of his life; and his
subscription of ten thousand dollars toward the erection of an exchange
looked to the same result."

The war of 1812, which brought financial ruin to so many others, simply
increased Girard's wealth. He never lost a ship, and as war prices
prevailed, his profits were in accordance with them. One of his ships
was taken by a British cruiser at the mouth of the Delaware, in the
spring of 1813. Fearing that his prize would be recaptured by an
American ship of war if he attempted to send her into port, the English
admiral dispatched a flag of truce to Mr. Girard, and proposed to him to
ransom the vessel for one hundred and eighty thousand dollars in coin.
Girard consented, paid the money, and the ship was allowed to come up to
the city. Her cargo consisted of silks, nankeens, and teas, and afforded
her owner a profit of half a million of dollars.

Yet in the midst of all his wealth, which in 1828 was estimated at ten
millions of dollars, he was a solitary old man.