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Roger moved around in his swivel chair so that he was looking out the window towards Canary Wharf. The rain had cleared and the early-setting December sun was making the towers, normally so solid-looking and unethereal, seem momentarily aflame with clean gold light. It was half past three and he would be at work for another four hours minimum; these were the months during which he would both leave the house before the sun had risen and get home long after it had set. That was something Roger had long since stopped noticing or thinking about. In his experience, people who complained about City hours were either about to quit, or about to be sacked. He swivelled back the other way. He preferred to face inwards, towards ‘the pit’ as everyone called it, in honour of the trading floors where people yelled and fought and waved papers – though the foreign exchange trading department couldn’t be less like that, as forty people sat at screens, murmuring into headsets or at each other but in general hardly looking up from the flow of data. His office had glass walls, but there were blinds which could be lowered when he wanted privacy, and he had a new toy too, a machine generating white noise, which could be turned on to prevent conversation being overheard outside the room. All department heads had one. It was genuinely cool. Most of the time, though, he liked having the door of his office open so he could feel the activity in the room outside. Roger knew from experience that being cut off from your department was a risk, and that the more you knew about what was going on among your underlings the less chance you had of unpleasant surprises.

He knew this partly because of the way he had got his job. He had been deputy in the very same department when the bank suddenly brought in random drugs tests. Four of his colleagues were tested and all four failed, which was no surprise to Roger, since the tests were on a Monday and he knew perfectly well that all the younger traders spent the whole weekend completely off their faces. (Two of them had been taking coke, one ecstasy, and one had been smoking dope – and it was the last guy who worried Roger, since in his opinion marijuana was a loser’s drug.) The four had been given final warnings and their boss had been fired. Roger could have told him what was going on if he had asked, but he hadn’t, and his way of letting Roger do all the work for him had been so arrogant, so old-school, that Roger, who was too lazy in interpersonal relations to be a nasty or scheming man, was not sorry to see him go.

Roger was not personally ambitious; he mainly wanted life not to make too many demands on him. One of the reasons he had fallen for and married Arabella was that she had a gift for making life seem easy. That, to Roger, was an important talent.

He wanted to do well and to be seen as doing well; and he did very much want his million-pound bonus. He wanted a million pounds because he had never earned it before and he felt it was his due and it was a proof of his masculine worth. But he also wanted it because he needed the money. The figure of £1,000,000 had started as a vague, semi-comic aspiration and had become an actual necessity, something he needed to pay the bills and set his finances on the square. His basic pay of £150,000 was nice as what Arabella called ‘frock money’, but it did not pay even for his two mortgages. The house in Pepys Road was double-fronted and had cost £2,500,000, which at the time had felt like the top of the market, even though prices had risen a great deal since then. They had converted the loft, dug out the basement, redone all the wiring and plumbing because there was no point in not doing it, knocked through the downstairs, added a conservatory, built out the side extension, redecorated from top to bottom (Joshua’s room had a cowboy theme, Conrad’s a spaceman motif, though he had started to express a preference for all things Viking, and Arabella was thinking about a redesign). They had added two bathrooms and changed the main bathroom into an en suite, then changed it into a wet room because they were all the rage, then changed it back into a normal (though very de luxe) bathroom because there was something vulgar about the wet room and also the humidity seeped into the bedroom and made Arabella feel chesty. Arabella had a dressing room and Roger had a study. The kitchen had been initially from Smallbone of Devizes but Arabella had gone off that and got a new German one with an amazing smoke extractor and a colossal American fridge. The nanny flat had been done up with a separate pair of rooms and kitchen, because in Arabella’s view it was important to have that feeling of cut-offness when she, whoever she was, had boyfriends over to stay; the nanny’s quarters had a smoke alarm so sensitive that it would go off in response to someone lighting a cigarette. But in the event they didn’t like having a live-in nanny, that sense of someone under their feet, and there was something naff and seventies about the idea of having a lodger, so the flat was empty. The sitting room was underwired (Cat 5 cabling, obviously, as all through the house) and the Bang & Olufsen system could stream music all through the adult rooms of the house. The television was a sixty-inch plasma. On the opposite wall was a Damien Hirst spot painting, bought by Arabella after a decent bonus season. Considering the Hirst from aesthetic, art-historical, interior-design, and psychological points of view, Roger’s considered judgement about the painting was that it had cost £47,000, plus VAT. Leaving out the furnishings but including architects’, surveyors’ and builders’ fees, the Younts’ work on their house had cost about £650,000.

The Old Parsonage in Minchinhampton, Gloucestershire, had also not been cheap. It was a lovely building from 1780, though the outside impression of Georgian airiness and proportion was undermined by the fact that the rooms were smallish and the windows admitted less light than one might expect. Still. Their offer of £900,000 had been accepted and then gazumped for £975,000 so they had had to regazump and it had become theirs for a cool £1,000,000. Renovation and general tarting up had cost £250,000, some of it in lawyers’ fees fighting the utterly pointless minutiae of the listing restrictions (it was Grade Two). The tiny subsidiary cottage at the end of the garden had come up for sale and they felt it was essential to buy that, given that as things stood it was a little too cosy when friends came to stay. The vendors, a surveyor and his boyfriend who were second-homers themselves, knew they had the Younts over a barrel, and with prices surging everywhere had gouged £400,000 for the tiny cottage, which turned out to need another £100,000 of work for structural issues.

Minchinhampton was lovely – you can’t beat the English countryside. Everyone agreed. But going there for your year’s major summer holiday was a little bit dowdy, Arabella felt. It was more of a weekend place. So they also went away for two weeks in the summer, taking a few friends and, on alternate years, inviting either Roger’s or Arabella’s parents for one week out of the two. The going rate for the sort of villa they had in mind seemed to be £10,000 a week. Any flights would be taken business class, since Roger thought that the whole point of having money, if it had to be summed up in a single point, which it couldn’t, but if you had to, the whole point of having a bit of money was not to have to fly scum class. They had on two separate occasions, on good bonus years, hired a private jet, which was an experience from which it was hard to go back to queuing for your luggage… Then they would go away again, sometimes at Christmas – though not this year, mercifully, Roger felt – but more often either in the middle of February or for the Easter holidays. The exact dates depended on the timing of Conrad’s break at Westminster Under School, who were ferocious about only taking breaks during approved times – a little too ferocious, Roger thought, about a five-year-old boy, but that was what you paid your £20,000 a year for.