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“Okeydokey. What sum did we moot earlier, Mozza?”

“Fifty K sounded reasonable.”

My cry of pain was unfeigned. “Fifty thousand pounds?”

“For starters.”

My intestines bubbled, toiled and troubled. “Do you really think I keep that kind of money lying around in shoe boxes?” I pitched my voice for Dirty Harry, but it was more Lisping Baggins.

“I hope you keep it lying around somewhere, Grandpops.”

“Cash.”

“No bollocks. No checks.”

“No promises. No deferments.”

“Old-fashioned money. A shoe box will do fine.”

“Gentlemen, I’m happy to pay a negotiated consideration, but the law—”

Jarvis whistled through his teeth. “Will the law help a man of your years bounce back from multiple spinal fractures, Timothy?”

Eddie: “Men of your age don’t bounce. They splat.”

I fought with all my might, but my sphincter was no longer my own and a cannonade fired off. Amusement or condescension I could have borne, but my tormentors’ pity signified my abject defeat. The toilet chain was pulled.

“Three o’clock.” Cavendish-Redux went down the pan. Out trooped the thugs, over my prostrate door. Eddie turned for a last word. “Dermot did a nice little paragraph in his book. On loan defaulters.”

I refer the curious reader to this page of Knuckle Sandwich, available from your local bookshop. Not on a full stomach.

Outside my Haymarket office suite taxis inched and sprinted. Inside my inner sanctum, Mrs. Latham’s Nefertiti earrings (a gift from me to mark her tenth year with Cavendish Publishing, I found them in a British Museum Gift Shop bargain bin) jingled as she shook her head, no, no, no. “And I am telling you, Mr. Cavendish, that I cannot find you fifty thousand pounds by three o’clock this afternoon. I cannot find you five thousand pounds. Every Knuckle Sandwich penny has already been Hoovered up by long-standing debts.”

“Doesn’t anybody owe us money?”

“I always keep on top of the invoicing, Mr. Cavendish, do I not?”

Desperation makes me wheedle. “This is the age of ready credit!”

“This is the age of credit limits, Mr. Cavendish.”

I retired to my office, poured myself a whiskey, and slooshed down my dicky-ticker pills before tracing Captain Cook’s last voyage on my antique globe. Mrs. Latham brought in the mail and left without a word. Bills, junk, moral muggings from charity fund-raisers, and a package addressed “FAO The Visionary Editor of Knuckle Sandwich,” containing a MS titled Half-Lives—lousy name for a work of fiction—and subtitled The First Luisa Rey Mystery. Lousier and lousier. Its lady author, one dubiously named Hilary V. Hush, began her covering letter with the following: “When I was nine my mom took me to Lourdes to pray for my bed-wetting to be cured. Imagine my surprise when not Saint Bernadette but Alain-Fournier appeared in a vision that night.”

Nutcase ahoy. I threw the letter away into my “Urgent Business” tray and switched on my spanking new fat-gigabyte computer for a game of Minesweeper. After getting blown up twice I telephoned Sotheby’s to offer Charles Dickens’s own, original, authentic writing desk for auction with a reserve price of sixty thousand. A charming evaluator named Kirpal Singh commiserated that the novelist’s desk was already accounted for by the Dickens House museum and hoped I’d not been fleeced too painfully. I confess, I do lose track of my little elaborations. Next I called Elliot McCluskie and asked after his delightful kiddies. “Fine, thank you.” He asked after my delightful business. I asked for a loan of eighty thousand pounds. He began with a thoughtful “Right . . .” I lowered my ceiling to sixty. Elliot pointed out that my performance-linked credit stream still had a twelve-month flow horizon before resizing could be feasibly optioned. Oh, I miss the days when they’d laugh like a hyena, tell you to go to hell, and hang up. I traced Magellan’s voyage across my globe and longed for a century when a fresh beginning was no further than the next clipper out of Dept-ford. My pride already in tatters, I gave Madame X a bell. She was having her A.M. soak. I explained the gravity of my situation. She laughed like a hyena, told me to go to hell, and hung up. I spun my globe. I spun my globe.

Mrs. Latham eyeballed me like a hawk watching a bunny as I stepped outside. “No, not a loan shark, Mr. Cavendish. It just isn’t worth it.”

“Never fear, Mrs. Latham, I’m just going to pay a call on the one man in this world who believes in me, fair weather or foul.” In the lift I reminded my reflection, “Blood is thicker than water,” before spiking my palm on the spoke of my telescopic umbrella.

“Oh, Satan’s gonads, not you. Look, just get lost and leave us in peace.” My brother glared across his swimming pool as I stepped down his patio. Denholme’s never swum in his pool, as far as I know, but he does all the chlorinating and whatnot every week just the same, even in blustery drizzle. He trawled for leaves with a big net on a pole. “I’m not lending you a ruddy farthing until you pay back the last lot. Why must I forever be giving you handouts? No. Don’t answer.” Denholme scooped a fistful of soggy leaves from the net. “Just get back in your taxi and bugger off. I’ll only ask you nicely once.”

“How’s Georgette?” I brushed aphids off his shriveled rose petals.

“Georgette’s going bonkers surely and steadily, not that you ever evince an ounce of genuine interest when you don’t want money.”

I watched a worm return to soil and wished I was it. “Denny, I’ve had a minor run-in with the wrong sort. If I can’t get my hands on sixty thousand pounds, I’m going to take an awful beating.”

“Get them to video it for us.”

“I’m not joking, Denholme.”

“Nor am I! So, you’re shoddy at being duplicitous. What of it? Why is this my problem?”

“We’re brothers! Don’t you have a conscience?”

“I sat on the board of a merchant bank for thirty years.”

An amputated sycamore tree shed once green foliage like desperate men shed once steadfast resolutions. “Help, Denny. Please. Thirty grand would be a start.”

I had pushed too hard. “Damn it to hell, Tim, my bank crashed! We were bled dry by those bloodsuckers at Lloyd’s! The days when I had that kind of spondulics at my beck and call are gone, gone, gone! Our house is mortgaged, twice over! I’m the mighty fallen, you’re the minuscule fallen. Anyway, you’ve got this ruddy book flying out of every bookshop in the known world!”

My face said what I had no words for.

“Oh, Christ, you idiot. What’s the repayment schedule?”

I looked at my watch. “Three o’clock this afternoon.”

“Forget it.” Denholme put down his net. “File for bankruptcy. Reynard’ll do the papers for you, he’s a good man. A hard bullet to bite, I should know, but it’ll get your creditors off your back. The law is clear—”

“Law? The only experience my creditors have of the law is squatting over a can in an overcrowded cell.”

“Then go to ground.”

“These people are very, very well connected with the ground.”

“Not beyond the M25 they aren’t, I bet. Stay with friends.”

Friends? I crossed off those to whom I owed money, the dead, the disappeared-down-time’s-rabbit-hole, and I was left with . . .