Banks the world over have arcane safety procedures, and the Philadelphia Trust and Fidelity Bank was no exception. The routine never varied, except for the security signal, which was changed every week. The signal that week was a half-lowered venetian blind, indicating to the employees waiting outside that a search was in progress to make certain that no intruders were concealed on the premises, waiting to hold the employees hostage. Clarence Desmond was checking the lavatories, storeroom, vault, and safe-deposit area. Only when he was fully satisfied that he was alone would the venetian blind be raised as a sign that all was well.
The senior bookkeeper was always the first of the employees to be admitted. He would take his place next to the emergency alarm until all the other employees were inside, then lock the door behind them.
Promptly at 8:30, Tracy Whitney entered the ornate lobby with her fellow workers, took off her raincoat, hat, and boots, and listened with secret amusement to the others complaining about the rainy weather.
"The damned wind carried away my umbrella," a teller complained. "I'm soaked."
"I passed two ducks swimming down Market Street," the head cashier joked.
"The weatherman says we can expect another week of this. I wish I was in Florida."
Tracy smiled and went to work. She was in charge of the cable-transfer department. Until recently, the transfer of money from one bank to another and from one country to another had been a slow, laborious process, requiring multiple forms to be filled out and dependent on national and international postal services. With the advent of computers, the situation had changed dramatically, and enormous amounts of money could be transferred instantaneously. It was Tracy's job to extract overnight transfers from the computer and to make computer transfers to other banks. All transactions were in code, changed regularly to prevent unauthorized access. Each day, millions of electronic dollars passed through Tracy's hands. It was fascinating work, the lifeblood that fed the arteries of business all over the globe, and until Charles Stanhope III had come into Tracy's life, banking had been the most exciting thing in the world for her. The Philadelphia Trust and Fidelity Bank had a large international division, and at lunch Tracy and her fellow workers would discuss each morning's activities. It was heady conversation.
Deborah, the head bookkeeper, announced, "We just closed the hundred-million-dollar syndicated loan to Turkey...."
Mae Trenton, secretary to the vice-president of the bank, said in a confidential tone, "At the board meeting this morning they decided to join the new money facility to Peru. The up-front fee is aver five million dollars...."
Jon Creighton, the bank bigot, added, "I understand we're going in on the Mexican rescue package for fifty million. Those wetbacks don't deserve a damned cent...."
"It's interesting," Tracy said thoughtfully, "that the countries that attack America for being too money-oriented are always the first to beg us for loans."
It was the subject on which she and Charles had had their first argument.
Tracy had met Charles Stanhope III at a financial symposium where Charles was the guest speaker. He ran the investment house founded by his great-grandfather, and his company did a good deal of business with the bank Tracy worked for. After Charles's lecture, Tracy had gone up to disagree with his analysis of the ability of third-world nations to repay the staggering sums of money they had borrowed from commercial banks worldwide and western governments. Charles at first had been amused, then intrigued by the impassioned arguments of the beautiful young woman before him. Their discussion had continued through dinner at the old Bookbinder's restaurant.
In the beginning, Tracy had not been impressed with Charles Stanhope III, even though she was aware that he was considered Philadelphia's prize catch. Charles was thirty-five and a rich and successful member of one of the oldest families in Philadelphia. Five feet ten inches, with thinning sandy hair, brown eyes, and an earnest, pedantic manner, he was, Tracy thought, one of the boring rich.
As though reading her mind, Charles had leaned across the table and said, "My father is convinced they gave him the wrong baby at the hospital."
"What?"
"I'm a throwback. I don't happen to think money is the end-all and be-all of life. But please don't ever tell my father I said so."
There was such a charming unpretentiousness about him that Tracy found herself warming to him. I wonder what it would be like to be married to someone tike him - one of the establishment.
It had taken Tracy's father most of his life to build up a business that the Stanhopes would have sneered at as insignificant. The Stanhopes and the Whitneys would never mix, Tracy thought. Oil and water. And the Stanhopes are the oil. And what am I going on about like an idiot? Talk about ego. A man asks me out to dinner and I'm deciding whether I want to marry him. We'll probably never even see each other again.
Charles was saying, "I hope you're free for dinner tomorrow...?"
Philadelphia was a dazzling cornucopia of things to see and do. On Saturday nights Tracy and Charles went to the ballet or watched Riccardo Muti conduct the Philadelphia Orchestra. During the week they explored NewMarket and the unique collection of shops in Society Hill. They ate cheese steaks at a sidewalk table at Geno's and dined at the Cafй Royal, one of the most exclusive restaurants in Philadelphia. They shopped at Head House Square and wandered through the Philadelphia Museum of Art and the Rodin Museum.
Tracy paused in front of the statue of The Thinker. She glanced at Charles and grinned. "It's you!"
Charles was not interested in exercise, but Tracy enjoyed it, so on Sunday mornings she jogged along the West River Drive or on the promenade skirting the Schuylkill River. She joined a Saturday afternoon t'ai chi ch'uan class, and after an hour's workout, exhausted but exhilarated, she would meet Charles at his apartment. He was a gourmet cook, and he liked preparing esoteric dishes such as Moroccan bistilla and guo bu li, the dumplings of northern China, and tahine de poulet au citron for Tracy and himself.