by David Liss
He sat at his desk, which was covered with four or five high piles of neatly stacked papers. He had a quill in one hand and a near-empty inkpot by his side.
“I am very busy, Captain Saunders,” he said.
“So am I. It’s terrible, isn’t it?”
He set down the pen. “What can this be about? Mr. Pearson has returned, so I know you don’t visit me upon that score.”
“You know I do, and that Mr. Pearson’s return is not an answer but another question.”
“I seem to recall asking you not to involve yourself in this matter.”
“I recall that too, but you and I both know you did not mean it. You would much rather I ran an inquiry parallel to that of Lavien. You will yield far better results if you have two men competing for the same ends. I will not say you engineered this competition, but you cannot regret it. Now let us end this dissimulation. You wish me to proceed, don’t you?”
He looked at me directly. “No.”
“Of course you do. There is too much in the balance. Perhaps it is time for you to tell me why you wished Lavien to find Pearson in the first place. Why is he of interest to you?”
“It is a private matter.”
So he said, but I began to think it must be a public matter. There was no personal connection I could divine, so there was but one obvious reason Hamilton might take an interest in Pearson. Given what the bearded Scotsman had told me this morning about defaulted bank loans, I could but conclude one thing. “He has borrowed money from the bank, hasn’t he?”
Hamilton blinked and looked away. “I suppose he may have.”
“How much?”
“The bank was, in its conception, my idea, and I take an interest in its operation, but I do not run the bank, and I do not take an interest in its day-to-day operations. I doubt that even Mr. Willing, the bank president, could tell you about individual loans without resorting to files. You cannot expect that I, who am far more removed, can summon such information instantaneously on any possible borrower.”
“No, I don’t expect you to know any possible borrower. I do, however, expect you know about this one. How much?”
He sighed. “He has borrowed fifty thousand dollars.”
“Good God, you give that much to a single individual?”
“It was for investment and development. You have seen how the city thrives under bank money. Pearson is a respected dealer in real estate, and he presented us with a specific plan for developing land to the west of the city.”
“But he hasn’t done it, has he? You received word that not only was Pearson not buying and developing land, he was losing the properties he already had. You don’t keep an eye on the day-to-day minutiae of investment, nor does the bank president, I’ll wager. No one was going out to Helltown to see if Pearson was developing it. He was a respected man of business, and it was safe to assume he was doing what he said. But then you receive word that his properties are being foreclosed, and you learn that no one knows where he is. Suddenly fifty thousand in bank funds may have vanished. Can the bank withstand such a loss?”
“Of course it can. It is a serious loss but there are systems built into the bank’s charter to enable it to weather defaulted loans.”
“Easily?”
“It is never easy.”
“It is never easy,” I said, “because what you fear most is Jefferson and his faction getting word of this. That is the issue, isn’t it? Your bank has just launched and endured a rocky first half year with wildly fluctuating share prices. Now, it will be said, it is granting loans to the personal friends of the bank president, loans that will not—cannot—be repaid. You know what they will say: that the bank is an engine of the northern money men to feed their own greed.”
Hamilton nodded. “That is, indeed, what they will say. That is part of it.”
“There is more?”
“You will keep this quiet?”
“Of course.”
“There is also the method of the bank’s funding, the whiskey excise. Jefferson’s faction will waste no time in saying that we tax the poor men of the frontier to pay for the irresponsible spending of the rich. That is what they will say.”
“And the truth?”
“The truth is that the Bank of the United States is a large bank that makes large loans, so of course it is of direct benefit to the rich. There are smaller land banks that benefit small landholders, and that is what they should do, but projects that benefit the rich also benefit others. Had Pearson done with the money what he was supposed to do, he would have built properties, which would have employed men and caused goods to change hands. Those buildings would have provided housing, space for shops and services, for the growth of the economy. That benefits all, rich and poor.”
“Clearly that is not what happened with Pearson. Now he has returned, what has Lavien learned about the fate of the money?”
“Very little. Pearson won’t answer any questions.”
“And, I suppose, you haven’t given Lavien permission to break his elbows or cut off his feet. Not with someone so prominent.”
“Pearson is clever,” said Hamilton. “He has openly refused to appear at the bank to explain the status of his loan, and he knows we dare not press the matter, lest it become public knowledge that a loan of this magnitude is in danger. I’m sure Pearson knows that that scoundrel Philip Freneau, who writes Jefferson’s newspaper, has been sniffing about, asking questions. If Freneau learns the truth, he will use it to ruin us all. Jefferson and his men would gladly sacrifice the national economy if only to prove I am wrong and they are right.”
“Which is why the bank has not seized Pearson’s assets. To keep this from becoming a scandal?”
“Yes. While there is the chance of a quiet repayment of all or even some of the loan, we prefer to avoid a public fiasco that will only feed Jefferson’s public animosity toward the bank. Until we know more, we will have to find other means of discovering what Pearson is up to.”
It seemed to me that, whether it was what he intended or not, I was those other means. There was no reason not to press it. “What of Duer?”
“What of him?”
“What is the link between Duer and Pearson?”
“None that I am aware of,” he said.
I thought about the note I had found in the tree stump. Duer has used him monstrous ill, and it cannot be undone. That was, in itself, of no consequence. Let these men ruin one another to their heart’s content; it was nothing to me. And yet there was obviously more to it. The BUS will feel it soon enough, and Hamilton has no notion of it. All this was a scheme to harm the bank. Pearson was but a tool, Cynthia but a casualty.
“Who would like to destroy the bank?” I asked.
Hamilton sighed. “Destroy it? Jefferson, I suppose.”
“No, not malign it, or see it fail, or rejoice in its adequacies. Jefferson wishes to find political advantage. Who wishes to destroy it by his own hands?”
“No one,” he said. “No one who could.”
“And if anyone could, who would it be?”
“The rabble,” he said. “The rabble prompted by Jefferson would see it destroyed. The western rustics, filled with democratical ideas by Jefferson, would rather go to war than hand over a penny in excise taxes. Things are not so complex as you imagine, and you cannot see that only because you have been out of the game too long.”
It seemed to me they were far more complex than I could imagine. That was the difficulty.
If I was going to attempt to chip away at this complexity, the first thing I had to discover was the nature of the secret and financial relationship between Hamilton and Duer’s man, Reynolds. I might well have told Hamilton more if I could have better trusted him, but so long as he was secreting purses of gold to men of this sort, I would have to hold fast to my secrets. More to the point, I needed to know why the men who acted against me, and acted against Cynthia, wished to point me toward this man. Reynolds worked for Duer—that much was c
ertain—but it now seemed to me that the bearded Scotsman, who was so clearly involved with the threat against the bank—wanted to make certain I noticed Reynolds and perhaps was set against him.
It was time to approach directly. Thus, that night I walked to Reynolds’s house and knocked on the door. It was later than good manners generally allow for a stranger to call, but this was an unsavory neighborhood, and lights were on. I would take my chances.
When no one answered, I knocked again, and then a third time. At last I heard footsteps upon stairs, and a woman’s voice cried out from inside, asking who called.
“Captain Ethan Saunders, on behalf of the United States Department of the Treasury,” I responded, with only slight exaggeration. This was no time to be shy. “I must gain entrance.”
The door opened. Standing there, in a state of very appealing dishevel, was possibly the most beautiful woman I’d ever seen. Yes, I know this narrative is crowded with beautiful women—Mrs. Pearson, Mrs. Maycott, Mrs. Lavien, Mrs. Bingham. We might form a cricket team of beautiful women. I cannot help it if they are the ones who excite my notice and so trouble myself to describe. Yet how beautiful are they? Mrs. Pearson is undeniably lovely, but it is my feeling for her that elevates her to so exalted a level. Mrs. Maycott is a bit weak in the chin, to tell the truth, but she is mysterious and poised. Mrs. Lavien has that Hebrew look about her which some may find unappealing.
This lady was beautiful, and not because her demeanor or exotic race or a longing heart provided an added advantage to elevate her. No, here was a creature of perfection, like Milton’s Eve, the ideal of female loveliness. Her fair hair was wavy and in a state of wild disorder. Her eyes were large and so blue it was almost shocking. Her cheeks were red and round and molded to perfection. Her teeth as white as new snow, her lips the color of roses. Shall I go on? It is tedious, I know, but it is important that I make it clear that in part and in sum this was a woman, I believe, utterly without equal in the United States, possibly in the world. Those who would, in years to come, judge the frailty of a man enchanted with her, knew nothing of her astonishing charms. The man did not live who, given the opportunity to love her, would have turned aside.
“Madam, will you marry me?” I asked.
She laughed. She wore a loose gown, quite recently thrown on. It was rather generous in its presentation of décolletage, and her bosoms, large and full, moved very agreeably.
“I am afraid I am already married, sir.”
“Then I shall take my own life,” I said. “Before I do so, I would speak to a Mr. Reynolds. Does he live here?”
Her face darkened just a little. “That is the name of my husband, sir. He is not at home.”
That slovenly brute with his scarred face and lupine demeanor was the husband of this creature? How did she endure it? How could the world endure it? Under normal circumstances, I would almost certainly have inserted myself in this lady’s life to better her state, but I had other things that demanded my attention, foremost being Cynthia. I would focus on the beast and not the beauty. “I must find him.”
“He is not in town at all,” she said. “May I ask what this involves? Did you mention the Treasury Department, sir?”
“I work for Colonel Hamilton at Treasury.” Reform does not extend to lies of this sort.
“And what will you with my husband?” There was now something rather unkind in her tone, and I did not like it. I wanted her to be charmed again.
“I merely wish to talk with him about Mr. Duer,” I said, grinning amicably. “It is about that gentleman, and not your husband.”
“I see.”
“When will he return?”
“I cannot say.”
“And where has he gone?”
“He doesn’t tell me.”
“Perhaps,” I said, “you would care to invite me inside, and we can discuss this further.”
“Another time,” she said, as though she did not mean it, and closed the door.
Joan Maycott
Spring 1791
Mrs. Brackenridge insisted that I spend the night in her house, and in the morning I made my way back, not to the hunting cabin but to my own. I’d not told anyone of my plans to do this because I knew they would attempt to convince me of its imprudence. There was first the practical matter of my cabin’s condition. Much of it had been destroyed in the fire; Skye had told me as much. I found the walls scorched, and such furnishings as had been saved were blackened. The curtains, table linens, our clothes and papers—including my novel, but Skye had prepared me for this too—were all gone. The place stank of fire and dampness, but it was where Andrew and I had lived, and I would not leave it until I must.
The other principal objection to my returning was that I no longer had any right to the cabin, though I did have permission from its owner, Mr. Brackenridge, to stay there as long as I liked. It would not be long. I did not wish to remain, and doing so would be unwise. I understood, almost as soon as I’d understood anything, that Tindall had pursued us because he wished to deprive Andrew, Skye, and Dalton of the means of making whiskey. I also knew that there were more than a few wealthy farmers in the region who would be willing to buy our leases, with our equipment and instruction on the new method of distilling. For now, Hugh Henry Brackenridge held the ground rents to our lands. He assured me he would do his best to sell them to the highest bidder and to do so for no more than a 5-percent commission, though, if he wished to cheat us, we could do nothing to prevent it. It was a gamble, but I never doubted that he was worthy, and circumstances would prove me correct.
Thus it was that things settled into relative calm. Tindall, for the time being, would not risk harming us. His efforts to have me jailed, and his cowardly retreat, would make any attempt on the well-being of me or my friends far too suspicious. He might hope to evade the law, but he would not risk an all-out uprising from the populace. When Mr. Brackenridge sold our ground-rent lease and I received my share of the whiskey revenues, I might hope to return east, perhaps to my childhood home. It seemed a respectable way to engage my widowhood.
Yet I could not do those things. Jericho had said it changes you when you kill a man, and that was part of it. I had killed. I had faced Tindall both in physical combat and in a legal duel, and I had bested him both times. What else, then, could I do if I set myself to it? I was an unassuming woman and, men often said, a pretty one. My appearance led men, civilized men, to trust me, defer to me, and, often enough, overlook me. If I embraced these truths, if I used them, I could accomplish a great deal. What I wished to accomplish was revenge. Not pointless, hollow, bloody revenge, but revenge that would destroy those who had made a tragedy of my life and would, at the same time, redeem me and my friends.
The outlines of my plan were clear to me, but to proceed I would need the assistance of men like Skye and Dalton and at least some of Dalton’s whiskey boys. If I were to have them, they must trust me, even be in awe of me, the way his soldiers and officers were in awe of General Washington. If I were to effect that, I would have to do something bold.
When she came into the dairy barn to milk the half-dozen cows, I was waiting for her. Dawn had only just struck bright and cloudless, filling the grounds with sweet possibility. I’d had to trek through the forest at night to meet her, but I’d carried my rifle and walked noiselessly in soft moccasins. My legs never tired, and though I made certain to watch every footfall, my mind wandered over what I would now do.
The door opened to the east, and when she came in she was nothing but a large silhouette, the skirts of her plain dress undulating in the breeze. But she did not see me, and so closed the door and reached for the milking stool. She’d healed well since I last saw her, but there were still red welts on her face and hardened scabs, and in some places the flesh had settled into a vaguely pale scarring.
She had just set down the stool and begun to talk to the first cow when she saw me. “Lord, Mrs. Maycott, what you doing in the dairy barn?” It all came out in a single b
reath.
I had not precisely been hiding, but standing in the shadows in the corner. I now walked forward, and it seemed to me that I was stepping through a door. I was about to become someone else. Here. Now. Under these circumstances. I must be a woman others follow. I must take command and make events unfold to my liking.
I looked at the woman. “What is your name?”
“Oh, Lord, grief done disordered your mind. You don’t remember old Lactilla?”
“Of course I remember you.” I took her hand. “I want to know your name.”
It seemed to me that, all at once, this woman who had been rendered property, the plaything of a cruel master, understood everything. Not only what I was asking, but what I was doing and why. An understanding passed between us, two women shaped and blasted by a world who cared nothing for us but as playthings for its amusement. “I’m Ruth,” she said, in a quiet voice.
“Do you know what I hate most about slavery, Ruth?” I asked.
“You gots to choose just one thing?”
“What I hate most is how we allow it to not signify. We tell ourselves we have produced this great experiment in republican government. We have launched a new era of human liberty, the culmination of two thousand years of the republican dream and centuries of philosophical ponderings. It has all led up to this glorious moment, this glorious nation, an exemplar of the greatest potential of the human soul. But never you mind about those Africans held in bondage. They don’t signify. That is what I hate most.”
“It’s worth despising, but I’d place it something down on the list. For me, I’d rather reckon my baby which was took away. And with it I’d number getting shot in the face with fowling piece.” She smiled, and I could see a scar where a piece of bird shot had grazed her lip.
“At some point,” I said, “those things—the philosophical and practical—must come together.”
