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Gene and Finny wake up on the beach just in time to make it back for Gene's math test. Gene fails the test, and blames his failure on Finny for keeping him from studying. Gene starts to believe that Finny is out to set him back from academic success and Chet is ahead of Gene for first in the class. Gene begins to grow feelings of jealousy and resentment toward Finny because Finny is naturally an amazing athlete and he doesn't have to work as hard as Gene does to succeed. Eventually, Gene begins to overtake Chet, and decides that he can't keep hating Finny after the amazing summer they had. Finny asks Gene to watch their friends jump out of the tree to be part of the society, and he declines at first to keep studying. Finny confesses that he always thought Gene was naturally intelligent and didn't need to study, which leaves Gene taken aback. Finny tells Gene that he should stay if he feels he really needs to, but Gene regretfully decides to leave his work to spend time with Finny. When they arrive, Finny goes to leap out of the tree but before he jumps, Gene shakes the tree and Finny falls out abruptly. Gene goes in to save him without seeming shaken or concerned for Finny's safety.

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~Leper is a friend of Finny and Gene at the academy. He is part of the Super Suicide Society of the Summer Session and is shy, quiet, contemplative, an avid skier, and eventually enlists in the army.

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~ Chet is Gene's school rival for top of the class. He is a friend of Gene and Finny and is part of the Super Suicide Society of the Summer Session.

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~Gene is teenage boy enrolled in Devon Academy with his best friend, Finny. Gene idolizes Finny for all his talents and is conservative, fun, smart, adventurous, and breaks the rules occasionally. He is part of the Super Suicide Society of the Summer Session.

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In chapter 4, Gene jostles Finny out of the tree to mess with Finny, but what was a joke turned into a life threatening accident for Finny as he tumbles out of the tree. Throughout the book, Gene expresses feelings of jealousy toward Finny because of all his athletic achievements and because Gene thought Finny was out to sabotage his academics. It can be inferred, that there was some intention behind Finny's accident based upon Gene's secret feelings.

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~ Devon Academy in New Hampshire, USA.

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~ On page 60 Gene says, "With unthinking sureness I moved out on the limb and jumped into the river, every trace of my fear of this forgotten." By this, he realizes this is friend is in danger and goes out to save him regarding any fear of his own.
~ On page 58 Finny says, "We kid around a lot and everything, but you have to be serious sometime, about something. If there's nobody... who's as good as you are, then you've got to be serious about that." Finny means that Gene should take the time to study if he feels he needs it, in order to achieve the success he strives for

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~ Phineas (Finny) is a student at Devon Academy with Gene and he is an incredible athlete. Finny created the idea of the Super Suicide Society of the Summer Session and is a daredevil, fearless, sarcastic, funny, and loves spending time with Gene.