creditors.

The Autumn came and found Philip working with diminished force but still
with hope. He had again and again been encouraged by good "indications,"
but he had again and again been disappointed. He could not go on much
longer, and almost everybody except himself had thought it was useless to
go on as long as he had been doing.

When the news came of Mr. Bolton's failure, of course the work stopped.
The men were discharged, the tools were housed, the hopeful noise of
pickman and driver ceased, and the mining camp had that desolate and
mournful aspect which always hovers over a frustrated enterprise.

Philip sat down amid the ruins, and almost wished he were buried in them.
How distant Ruth was now from him, now, when she might need him most.
How changed was all the Philadelphia world, which had hitherto stood for
the exemplification of happiness and prosperity.

He still had faith that there was coal in that mountain. He made
a picture of himself living there a hermit in a shanty by the tunnel,
digging away with solitary pick and wheelbarrow, day after day and year
after year, until he grew gray and aged, and was known in all that region
as the old man of the mountain. Perhaps some day--he felt it must be so
some day--he should strike coal. But what if he did? Who would be alive
to care for it then? What would he care for it then? No, a man wants
riches in his youth, when the world is fresh to him. He wondered why
Providence could not have reversed the usual process, and let the
majority of men begin with wealth and gradually spend it, and die poor
when they no longer needed it.