The story opens in fictional Topham, Massachusetts, in 1826. After the man Cornelius "Neal" Gleazen unexpectedly returns to town, he involves childhood friend Seth Woods and Seth's nephew, twenty-year-old protagonist Josiah "Joe" Woods, in a dangerous sea journey to retrieve a hidden treasure. Accompanying them are Seth's two store-clerks, Arnold Lamont and Sim Muzzy, and farmer Abraham Guptil, on whose mortgage Neal forced Seth to foreclose in order to raise money to outfit the expedition.
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