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A handsome young stranger fresh off the boat arrives at a countinghouse door on Golden Hill Street: this is Mr. Smith, amiable, charming, yet strangely determined to keep suspicion shimmering. For in his pocket, he has what seems to be an order for a thousand pounds, a huge sum, and he won't explain why, or where he comes from, or what he is planning to do in the colonies that requires so much money.