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“Stay away from us and Mr. Duer,” Whippo said, “or I’ll ruin you.”

“Too late, for I come already ruined.”

“Then Reynolds will break you.”

Reynolds snarled at me, showing a mouth of yellow teeth. No doubt feeling that their threats eliminated all possible retorts, they began to walk off.

“I’m also broken,” I called after them, but they did not turn around, so busy were they in seeking out tradesmen to whom to offer their lucrative interest rates.

I t was the evening before the Million Bank launch. It was early yet, perhaps half past four, but already dark. I had work to do, but not yet, and the sound thing would have been to retire to my room to sleep until the small hours of the morning. And yet I knew sleep would not be possible. The entire city was stretched taut with anticipation, waiting to see what would happen. Half the city predicted the Million Bank would be a disaster, the other half a wealth-generating engine. I did not know or care which, so long as the bank fulfilled its destiny without being controlled by Duer.

Too anxious to remain still, I decided to take a stroll about the city for an hour or two in the hopes I would become relaxed enough to sleep. Perhaps I had grown too arrogant, but I don’t think so. Rather, I think it safe to say I misunderstood the malice of those against whom I had set myself. I walked north in the direction of the pleasure gardens and considered briefly taking a turn inside, though it was early in the evening and cold, which meant there would be little to distract me. Yet I looked at the gates as I passed, with their graceful stone arching and inviting, vaguely lurid statues of women, something wanton in their eyes.

I was, I suppose, too distracted, for I did not notice that of the conveyances upon the street, one-a covered cart-kept near pace with me. Cleverly it stayed behind me, where I was least likely to notice it, though notice it I did at last, when it pulled even with me, and I caught a glimpse of the driver. First I observed that he was better dressed than the drivers of such carts-he wore the spotless gray coat of a gentleman-and, though he kept his face carefully pointed away from mine, there was something familiar about him. I quickened my pace for a better look. He turned away so I could see only the back of his head, but I observed his hands on the reins-massive, bestial hands-and so it was I knew him. It was Jacob Pearson driving the cart alongside me.

I stopped and stiffened, needing a moment’s immobility to attempt to understand what this meant and what I must do. Then, being able to reach no immediate decision, I decided I would apprehend him now, and, once done, I would decide what to do with him. I tensed to spring forward when all went dark. A heavy leather bag had been thrust over my head. A pair of powerful hands gripped my arms just below my elbows and pressed them to my sides so hard they were pinned there. At once I smelled tobacco and sweat and sour clothes. Whoever had me was not only unclean but strong, far stronger than I, and though I did not wish to submit, I was not going to extricate myself from this encounter with violence.

It had all happened quickly-it would have to be quick if they were to avoid attracting the attention of others on the street. The man who pinned my arms to my side thrust me forward and into the back of the cart, throwing me down on the rough floor. It smelled of hay and manure; human beings were not the usual beasts conveyed in the vehicle, though that told me nothing. Whoever had me might easily have hired the cart from a farmer for the afternoon. The man who had me released one arm for an instant, grabbed my hair, and knocked my head against the floor. He did this hard but not brutally so. The impact hurt, and I felt a wave of nausea and dizziness. It soon passed, however, and when it did, even under the leather hood, I understood a few things. I understood that my assailant had pulled the heavy tarpaulin cover over us both, encasing us in smothering darkness. I understood that he acted alone and that he alone must concern himself with me while Pearson drove the cart, for otherwise he would not have needed to knock my head in order to buy a few seconds to cover us up in the flat of the cart. He now straddled me, placing his full weight upon the small of my back while he held my arms flat by the wrists. He said nothing, so I learned nothing of him that way, but among his many unpleasant odors-and I thought it significant-I did not detect whiskey like the Irishman from outside the Statehouse. So that was the third thing I understood. Whoever had me pinned to the bottom of this cart was the same man who had attacked me at my home in Philadelphia and had been shot at by Mrs. Deisher.

“Good evening.” I attempted to alter my voice. My words were hard even for me to hear, lost in the leather hood and the tarpaulin and the rumble of the wheels upon the road. “My name is Mr. Henry Rufus, and I cannot help but think you have taken me by mistake.”

“Shut up, Saunders,” he answered. “I’m not an idiot.”

I knew that voice. I could almost place it, but the noise of the road and the muffling made it impossible for me to put the sound with its owner. “Look, what is it you want with me?”

“Quiet yourself,” he said again. “I’ll not speak with you. There’s no point, and you’ve a devil’s tongue. Pearson will tell you when he’s ready.”

When he’s ready turned out to be perhaps an hour later. We drove for some time, and I could detect little except that the sounds from our surroundings grew fainter and less frequent. We drove someplace unpopulated-neither surprising nor comforting. At last the cart stopped. We remained motionless for a moment, and I listened to my own breath in the hood and my assailant’s heavy breath over me, and beyond that something else: the lapping of water against the shore. Next I heard a rapping, like a cane against wood. It struck four times, no doubt a signal, and the man atop me eased up the weight upon me. He raised the tarpaulin, letting in a refreshing wave of cool air. Next he grabbed me by one arm, now less concerned that I might attempt to run away. I knew not where I was, so how could I run? He pulled me from the cart and onto the ground, where my other arm was gripped hard by a second man.

“Mr. Pearson, I imagine,” I said. “I am so very flattered that you would trouble yourself to call upon me, but I must inform you that we would be much more comfortable at my inn than here. I have a most agreeable line of credit, at least with the wine.”

He said nothing. Perhaps he wished to torment me, but I don’t think so. I believe he was afraid. I believe he knew it was dangerous to engage in conversation with me and would not risk it. I made several further attempts, but he said nothing. We walked, first upon grass, and then upon soft dirt. Wet dirt, I believed. Then we walked briefly along a stone path. They led me next down a set of slick stairs. More clearly now I heard the sound and smelled the tang of a river: waters both clean and stagnant, the scent of dead fish washed ashore. The air was cool and wet, and soon I was walking in the mud. At last one of the men pushed me forward, and there were subtle differences-a shift in the darkness, the disappearance of the wind-that led me to believe I was now in an enclosed space, a room of some kind, except the earth beneath us was still wet and I could hear the river just as distinctly.

The stronger of the two men-that is, not Pearson-pushed me to my knees, and held me down. Pearson then began to bind my arms behind me with heavy rope. Next he bound my feet together at the ankles. I felt him fumbling with the ropes, and though he pulled hard to make certain his knots were tight, I knew he was inexperienced in these arts.

Once this operation was complete, they pulled me to my feet once more. With a sharp tug, the hood was yanked from my head, and I stood in near-total dark. Only inches from my face I observed the malicious grin of Pearson; by his side, also grinning, but in the easy simple way of dogs, was Reynolds.