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Franklin feels like he's going crazy – how could his nightshirt have the stain on it?
Betteredge comes up to him to see what's going on, and is just as dumbfounded.
Betteredge recommends that Franklin read the letter.
In the first line of the letter, Rosanna confesses that she was in love with Franklin.
He's shocked – he had no idea.
Rosanna's letter tells him that when she was making his bed the morning after the Moonstone disappeared, she saw the smear of paint on his nightgown!
She was shocked, but not unhappy.
She felt that if Franklin was a thief, he wasn't all that different from her, after all.
So she decided to help cover for him, and so she took the nightgown away to hide it, snuck to Frizinghall to buy the fabric to buy a new one, and pretended to have a headache to give herself enough time to make the new one.
After finishing the letter, Betteredge and Franklin go back to the house to discuss it.
They have no idea what to do next.
Just then, there's a knock at the door – it's Ezra Jennings, Mr. Candy's assistant.
Mr. Candy never recovered from the bad fever he got the night of Rachel's birthday party (remember, he drove home in an open carriage through a rainstorm), so Ezra Jennings has taken over most of his practice.
Franklin has never seen Jennings before, and is startled by his odd appearance.
Ezra Jennings' hair is black on the top, but white around the sides, with just a stark line dividing the two – no shades of gray.
He also has a fairly dark complexion.
He's just dropping off a list of sick people in the neighborhood, since Rachel likes for Gabriel Betteredge to send medicine and food to their poorer neighbors when they're sick.
After he leaves, Betteredge tells Franklin that Jennings is unpopular in the neighborhood because he's a stranger and seems foreign.