Then when you found a part of your theory was untenable you rejected the whole of it.
"This is how the matter stood: Jeff Gaylord was pretty desperately in need of money.

I suspect that the charge against him, whatever it was, was true.

The money he had taken had to be returned and somebody's silence bought before the thing could be hushed up.

Anyway, Seattle was too hot to hold him and he lit out and came East.

He applied to Radnor, but Radnor was in a tight place himself and couldn't lay his hands on anything except what his father had given him for a birthday present.
That was tied up in another investment and if he converted it into cash it would be at a sacrifice.