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After dinner, Francis goes to the mission looking for Helen. Pee Wee sends him to an abandoned house to find Rudy. Together, they head to Palombo’s Hotel. Donovan, the hotel manager, tells him that Helen did check in. Francis asks him to check on her, so Donovan knocks and asks whether she needs anything. She responds gratefully that she does not need anything, just as she’s looking back on her life, as related in Chapter 5. Francis leaves two dollars for Donovan to give Helen in the morning.
Francis and Rudy go buy wine and whiskey, then rent two beds in a cheap dormitory. There, they run into Moose, a down-on-his-luck friend of Francis. As they drink and talk about their troubles, Francis imagines that he sees a group of women in the corner who shift in number and age, including Sandra, Katrina, his mother, and others he recognizes but cannot name. Later, Helen appears in the mix before all the faces turn to Annie’s.
Finny, whose car was apparently burnt, enters the dormitory with his friend Little Red and another man called Old Shoes. Old Shoes is another friend of Francis, who claims to now have a wife, a house, a steady job, and a car. Francis and Little Red begin to bicker and then fight, though Francis stops short of seriously injuring Little Red.
Moose repeatedly invites Francis and Rudy to go for a ride in his car, and they eventually accept. As they drive, Francis recalls Emmett Daugherty, Katrina’s Irish father-in-law, whose stories shaped Francis’s political views and lead to his participation in the trolley strike; both Emmett and Francis were painted as heroes in a book by Emmett’s son. Francis admits to Old Shoes that Harold Allen’s death was not an accident.
Following Francis’s directions, they arrive at a hobo jungle, where they find Francis’s friend Andy and a man named Michigan Mac. They sit around a fire and talk, and Francis shares his wine and some food that Annie gave him with the others as well as a nearby family of three. He tells them how Gerald died and is disappointed at their mild response.
A group of men identified as raiders suddenly appear wielding baseball bats and burning everything in their path. When one of them hits Rudy, Francis retaliates, taking one of their bats and dealing a serious, possibly fatal, blow to one of the raiders. With Old Shoes gone (Francis suspects that the car wasn’t really his), Francis carries Rudy the long distance to a hospital, where Rudy soon dies, and Francis gives his name as Rudy Newton.
Francis returns to Palombo’s Hotel, where he finds Helen dead on the floor. He contemplates her passing, realizing the limitations of his “repetitive and fallible memory” (223). He thinks to pray for her soul but finds that he cannot pray at all.
Francis boards a train to leave town, fearing police pursuit. On the train, the ghost of Strawberry Bill, a onetime baseball player turned vagrant who was briefly mentioned in Chapter 1 for his unceremonious burial, appears. He assures Francis that the cops are not after him and reminds him how nice it was at Annie’s house. Suddenly, as he drinks whiskey and hears banjo music, Francis finds himself in the attic of the Phelan household with Annie attending to his needs. He considers asking her to set up a cot for him in Danny’s room.
In this final chapter, Francis and Helen’s relationship finds subtle closure. Though they last parted on somewhat bitter terms, each signals love for the other in the end, with Helen seeing her death as a way of letting Francis go, and Francis stopping by the hotel to check on Helen, even leaving some money for her.
Though the men he killed no longer haunt him, Francis does experience a new kind of ghostly apparition, which takes the “kaleidoscopic” form of “all the women Francis had ever known” (202). This vision prompts him to assert that he “ain’t afraid of goin’ back” (196), suggesting that, if the earlier ghosts reminded Francis of things he did that he wishes he hadn’t, the presence of these women somehow reminds him of duties unfulfilled. Eventually, Annie’s face replaces all the others, implying Francis’s realization that Annie is the woman who matters most to him, and the person to whom he feels the strongest sense of obligation (significantly, this takes place before he is aware that Helen has died).
The events that transpire in the hobo jungle represent a climax of brutality committed towards those who experience homelessness. The attack of the raiders follows on the heels of Francis’s generosity, as he shares his food with the others. Whereas the raiders treat the vagrants as they would pests, driving them away with physical violence—effectively dehumanizing them—those same vagrants treat each other with dignity and respect, demonstrating their superior humanity.
Whereas Helen feels no reason to confess any sins, Francis does confess his guilt regarding the deaths of Gerald and Harold Allen. The confessions are not viewed as particularly noteworthy by anyone else, and Francis fears he has made another mistake, but his contradictory conclusion that “[his] guilt is all that [he has] left” demonstrates a maturation of his views (216). Rather than denying or trying to eradicate his guilt, he accepts it as a meaningful part of who he is.
Starting with the moment that Francis heads back to Palombo’s Hotel after Rudy’s death, the narration makes a subtle but important shift. The word “would” now precedes each verb; the narration states that Francis “would knock” and “would open the door and discover Helen,” and so on (221). Its effect is to depict Francis as if he is on autopilot, preparing to, yet again, flee from a problem he created. This shift persists until Francis gets on the train and starts talking to Strawberry Bill. As Francis decides to go back home, risking capture, the novel resumes normal verb patterns. This change shows that Francis is actively choosing to break the pattern that has dictated his choices for so many years. Or perhaps not: the combination of drinking, the hallucination of another ghost, and the disorienting, abrupt shift from train to attic could be read as signs that the happy ending is just another one of Francis’s fantasies.