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Driscoll releases Roxy from her servitude, and she decides to take her freedom and become a chambermaid on a steamboat. Tom is sent into the keeping of Judge Driscoll and his wife, and these "childless people were glad to get him." Debts from Percy Driscoll's failed land speculations leave Tom a pauper. Still, Tom finds comfort that he will collect his fortune when the judge dies. We know that for Tom, this can't come soon enough!