At the end
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Henchard was bankrupt at the end of the book. Henchard's fortunes decrease along with his good name. One of his largest debtors fails, and his employees make bad decisions in purchasing corn. He has lost nearly all his fortune. The creditors take possession of any property Michael has left. During the bankruptcy proceedings, Michael offers everything he has: a gold watch and a money-bag containing spare change. The creditors refuse these items, praising Michael for his honesty. Although he is touched by their compassion, Michael still pawns the watch and uses the money to pay a minor creditor.