The first call came in at 8:53. Yana answered musically with the last four digits of the number.
“Three-four-six-two, good morning.”
“Is this Acme Construction?”
“Yes, sir, it certainly is.”
“This is Jack Olwen Cadillac on Van Ness—”
She interrupted with a delighted laugh.
“I bet Greg Kaslov is in there buying a car.”
The caller paused for a moment. “Well, yes, he is, but...”
“It’s all he and Joanna have been talking about for the last six months — getting their Fleetwood...”
“Well, they’re finally doing it. I was calling to verify employment, but...”
She laughed again, not a care in the world. “Greg’s been here for twenty-two years. He was the first man Mr. Arnold hired when he came back from Vietnam...”
The other phone rang while she was still pouring honey on Kaslov’s head. Ristik picked up. There was no trace of Gypsy gutturals in his voice.
“Eight-oh-seven-six,” he said. “Credit Department? Just a moment, I’ll switch you.”
Yana had just finished with Jack Olwen Cadillac. She stabbed the glowing 8076 extension button on her phone and said, “Trans-Universal Credit, how may I help you?”
She thumbed quickly through the stack of papers on the desk as she listened, plucked one out, scanned it.
“Yes, we are carrying the paper on Mr. Stokes’s home in the three hundred block of Third Avenue...” She rattled the papers realistically near the phone. “Twelve years, excellent pay, has never missed a payment, has... um... No. Has never even paid a late penalty.”
On the other phone, Ristik was saying, “Listen, I’ve known Sally Poluth my whole life. She’s godmother to our kids... No, I didn’t know she was buying a car, but with the insurance from Ritchie’s death she sure as hell can afford one...”
By 10:30 A.M. Yana and Ristik had gotten the calls on all seven vehicles; they shut down the phone room just as Marino slid a withdrawal slip across the polished surface of a teller’s window in Cal-Cit Main at One Embarcadero Plaza.
“I want to withdraw ten thousand in cash from my account.”
“Ten thousand? Cash? That’s—”
“Miss Wooding assured me there would be no problem.”
Helen Wooding appeared as if on cue. With continental flair, Marino kissed the air a millimeter above her hand.
“What’s the trouble here?” she demanded sharply of the teller. “Mr. Grimaldi’s account certainly is good for the withdrawal and it meets the fed’s ten thousand limit, so—”
“Right away, Miss Wooding.” The girl was blushing. She started putting away her rubber stamps and locking up her drawers so she could go get that large an amount of cash.
“Trainees,” said Helen in a voice deliberately loud enough for the departing teller to hear. She added with a coquettish laugh, “You should have come directly to me, Angelo.”
“I didn’t want to disturb you with such a trifle.” His fine dark eyes lit up. “Since I hope to be settling here on a permanent basis, I have been looking for a house to buy as a company investment. And I have run across a marvelous bargain out in the...” he paused, grinning, “the Avenues, is that right? Off Sloat Boulevard? An old Italian gentleman who said I reminded him of his son...”
“The Avenues. Yes. South of the park is the Sunset. North of it is called the Richmond District.”
“Sunset... Richmond... I’ll remember.”
The teller had returned. She counted out the cash, Marino put it in his slim attaché case, saying to Helen, “Maybe we can go see the property on Monday.”
“Monday?”
He snapped shut the case. “Lunch — remember? And perhaps, since seeing the house will be a business activity for you, we could take the whole afternoon... perhaps spend the evening together...” He made subdued kissy-kiss noises with his lips. Helen Wooding actually blushed. “I’ll call you Monday morning first thing...”
“Oh, yes,” she said breathlessly. “Call me.”
Forty-five minutes later, Marino deposited the $10,000 cash in the San Rafael Blue Skye account. He didn’t invoke Rita Fetherton’s assistance for the deposit as he would for the withdrawal; banks are delighted to see cash come in the door.
As he walked out, one of the two phones began ringing in a small office over an electronics store on lower Fourth just three blocks away. Immaculata Bimbai, who fainted in jewelry stores, spoke breathily into the mouthpiece.
“Five-four-nine-oh... Yes, this is Fashion Fabrics. i Credit Department?” Immaculata, who was slim as a pencil and elegant as the diamonds she was always trying to steal, gave a sensual full-bellied laugh that suggested a woman with three chins and a milkshake in each hand. “Honey, I’m the whole ball of wax here. Owner, president, credit manager, sales manager...” Another pause. “Tibo Tene? Sure, Tibo’s been our fabric buyer for, oh, hell, I can get the records, but over ten years, anyway...”
As she talked, the other phone began ringing. Josef Adamo, the fat bogus road-paving contractor, picked up.
“Three-seven-six-six.”
Like San Francisco, the North Bay operation would account for eight Cadillacs, but was more spread out: the calls would be coming in from Corte Madera in Marin County; Vallejo in Solano; Petaluma, and Santa Rosa in Sonoma; Napa in Napa County (the wine country); and Ukiah in Mendocino, way up there in the redwoods.
At 1:00 P.M., Marino took the $10,000 in cash back out of the San Rafael account, and drove across the Richmond-San Rafael Bridge to deposit it in the East Bay account. At the same time, Immaculata and Josef closed down their San Rafael phone room and two other Gypsies opened theirs over a Greek taverna on Clay and Second near Oakland’s Jack London Square.
The whole operation was completed down in San Jose just at 6:00 P.M. bank-close, exactly as planned.
The dealers’ credit managers cleared their desks on Friday night, dropping all the paperwork, including the downstroke checks for the thirty-one Cadillacs, into their Out boxes to the four Cal-Cit Bank branches. But the bank’s zone men, who handled conditional sales contracts on chattel mortgages generated by these auto dealers, didn’t work Saturdays. As a result, the computer wouldn’t be pushing any of those thirty-one down-payment checks through the accounts of origin until Monday morning.
Thus, on Sunday, the eve of destruction, Stan (the Man) Groner, efficient and ambitious president of Consumer Loans for the entire California Citizens Bank system, still could have a wonderful evening eating popcorn and laughing at America’s Funniest Home Videos (their bridge over troubled generational waters) with his 15-year-old daughter. Never for a moment did Stan suspect that starting that week, April would become the rottenest, lousiest, most stinking month of his entire life.
Because when Monday’s computers started humming, down payments started popping in Cal-Cit Banks all over the Bay Area with a zest that would have made Orville Redenbacher and his wimpy grandson happy and proud. Stunned zone men started grabbing telephones and waving their arms and screaming. Stunned dealership finance managers started screaming back, turning white and dropping their phones and sometimes their pants.
Damage assessments started reaching Stan Groner’s desk in Consumer Loans that same afternoon. He called for files. But it wasn’t until early A.M. Thursday that the tally he’d come in early to get was complete. Then the stack of manila folders in the center of his desk, stinking of economic brimstone and glowing pinkly from the ghastly financial fires within, made him quickly reach for his phone.