Girard suffered two severe losses by reason of the war, in the loss of his ship Good Friends and in a ransom of $180,000 which he was required to pay for his ship Montesquieu and cargo, captured while returning from Canton, China. But in spite of this, so greatly had his wealth increased, that he now paid more than a hundredth part of the total taxes of the city of Philadelphia and his commercial capital was sufficient to enable him to sell goods on credit and to carry on a maritime business throughout the world without aid of discount. “All this,” he has stated, “do I owe principally to my close attention to business, and to the resources which this fine country affords to all active or industrious men.” In the years which followed, Girard found declining profit in European cargoes brought to Philadelphia, and in 1821 he began to trade heavily with the Far East. Two of his ships, the Voltaire and the Montesquieu, were wrecked during this period; but Girard was as good a loser as a gainer, and pocketed his losses with small comment. Out of his fleet only four ships remained. Girard was now an old man, markets were bad owing to the panic in England and on the Continent, and the prospect for continuous profitable trading seemed ominous. It was only natural that he should turn from the sea. Speculation in land had proved to be as fascinating as his speculations in ships and cargoes. Girard began to buy land, and soon his total holdings amounted in all to 200,370 acres. In March 1830 he purchased for $30,000 certain tracts of Pennsylvania coal lands which have to-day a fabulous value. But the land which chiefly held his interest was those few acres of his farm. “At my age the sole amusement which I enjoy is to be in the country constantly busy in attending to the work of the farm generally.” The peace and happiness of this final episode made a happy ending of Girard’s long, useful, and successful life. “The accumulation of money interested him but little. He had now entered on his eighty-first year. His will was made and his great wealth dedicated to the good of posterity. He was under no incentive to labor for its increase. Yet in his bank, in his counting-house, on his farm, he continued to toil as of old from the sheer love of work.” At the time of his death in 1831, Girard had for fifty-five years been a resident of Philadelphia, and for practically his entire mature life a citizen of the United States. His funeral was of “immense extent”; the streets were thronged by people assembled to pay “a last tribute of respect to a great public benefactor.”