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CONTINENT IN FOUR AND A HALF days. He took limited flyers when he could and chartered specials when the trains ran slow. He made the final eighteen-hour dash on the Broadway Limited, proudly named for the broad, four-tracked roadbed between Chicago and New York.

On the ferry to Manhattan, he saw how quickly Jersey City and the railroads were repairing the damage from the Wrecker’s dynamite explosion. The station roof was already replaced, and a new pier was rising where less than three weeks ago he had seen the blackened stumps of pilings submerged by the tide. The wrecked ships were gone, and while many windows were still covered with raw boards many more gleamed with new glass. The sight filled him with hope at first, reminding him that back in the Oregon Cascades Hennessy and Mowery were driving round-the-clock work gangs to save the Cascade Canyon Bridge. But, he admitted soberly, their task was vastly more difficult, if not downright impossible. The bridge’s very foundations were sabotaged. And the Wrecker was still at large, determined to wreak more damage.

Bell disembarked at Liberty Street and walked quickly to nearby Wall Street. On the corner of Broad stood the white marble headquarters of J. P. Morgan & Company.

“Isaac Bell to see Mr. Morgan.”

“Do you have an appointment?”

Bell opened his gold watch. “Mr. Joseph Van Dorn arranged our meeting for ten this morning. Your clock is slow.”

“Oh yes, of course, Mr. Bell. Sadly, however, Mr. Morgan had an abrupt change of plans. He is on the boat to England.”

“Who did he leave in his place?”

“Well, no one can take his place, but there is a gentleman who might be able to help you. Mr. Brooks.”

A messenger boy led Bell into the bowels of the building. He sat for nearly an hour in Brooks’s waiting room, which offered a view of a nickel-clad, steel-barred vault guarded by two armed men. He passed the time by working out the details of two foolproof robberies, a day job and a night job. Finally, he was ushered into Brooks’s office.

Brooks was short, compact, and curt. He greeted Bell irritably, without apology for keeping him waiting.

“Your meeting with Mr. Morgan was arranged without my knowledge. I’ve been instructed to answer your queries. I am a very busy man, and I cannot imagine what information I can impart to a detective.”

“I have one simple question,” said Bell. “Who would gain if the Southern Pacific Railroad Company went bankrupt?”

Brooks’s eyes gleamed with predatory interest.

“Do you have information to support that inference?”

“I infer nothing,” Bell retorted sternly before inadvertently injecting a fresh element into the endless battle to consolidate the railroads, and undermining Hennessy’s reputation in the marketplace. “I am asking who would gain if that event were to occur?”

“Let me get this straight, Detective. You have no information that Osgood Hennessy is in a weakened position?”

“Absolutely none.”

The interest slid out of Brooks’s eyes.

“Of course not,” he said sullenly. “Hennessy has been impregnable for thirty years.”

“If he were not—”

“If! If! If! Banking is not a business of ifs, Mr.”—he pretended to glance at Bell’s card as if to jog his memory—“Bell. Banking is a business of facts. Bankers do not speculate. Bankers act upon certainties. Hennessy speculates. Hennessy blunders ahead.”

“And yet,” Bell said mildly, “you say that Hennessy is impregnable.”

“He is crafty.”

Bell saw he was wasting his time. Closemouthed, and angling for profit, bankers like this one would give nothing to a stranger.

Brooks stood up abruptly. He stared down his nose at Bell, and said, “Frankly, I don’t understand why Mr. Morgan would waste his time answering a detective’s questions. I suppose it is another example of his overly kind nature.”

“Mr. Morgan is not kind,” Bell said, containing his anger as he rose to his full height. “Mr. Morgan is intelligent. He knows that he can learn valuable information by listening to another man’s questions. Which is why Mr. Morgan is your boss and you are his flunky.”

“Well! How dare—”

“Good day!”

Bell stalked out of J. P. Morgan’s building and across the street to his next meeting.

Half an hour later, he stalked out of that one, too, and if another banker had rubbed him the wrong way at that exact moment, he would have punched him in the mouth or simply shot him with his derringer. The thought provoked a rueful grin, and he stopped in the middle of the crowded sidewalk to consider if it would even be worth it to keep his next appointment.

“You look perplexed.”

Standing before him—gazing up with a warm, impish smile—was a handsome, dark-haired man in his early forties. He wore an expensive coat with a fur collar and on his head a yarmulka—a small, round disk of a velvet hat that bespoke the Hebrew faith.

“I am perplexed,” said Bell. “Who are you, sir?”

“I am Andrew Rubenoff.” He thrust out his hand. “And you are Isaac Bell.”

Astonished, Bell asked, “How did you know?”

“Sheer coincidence. Not coincidence that I recognize you. Just coincidence that I saw you standing here. Looking perplexed.”

“How did you recognize me?”

“Your photograph.”

Bell made a point of avoiding photographers. As he had reminded Marion, a detective had no use for a famous face.

Rubenoff smiled his understanding. “Not to worry. I have only seen your photograph on your father’s desk.”

“Ah. You’ve done business with my father.”

Rubenoff waggled his hand in a yes-and-no gesture. “On occasion, we consult.”

“You’re a banker?”

“So I am told,” he said. “In truth, when I arrived from Russia, I was not impressed by New York’s Lower East Side, so I took a train across the country. In San Francisco, I opened a saloon. Eventually, I met a pretty girl whose father owned a bank, and the rest is a very pleasant history.”

“Would you have time to join me at lunch?” said Isaac Bell. “I need to talk to a banker.”

“I am already spoken for lunch. But we can have tea in my offices.”

Rubenoff’s offices were around the corner on Rector Street, which the police had blocked off so a grand piano could

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