danced in the Brown Palace Hotel. Very good.
“Is Jacob at the bank?”
“He left to survey the damage.”
“I saw what’s left of Market Street. Most all the buildings are ruined, few still stand, and the Cromwell Bank is right in the path of the growing inferno.”
Margaret seemed unconcerned. “Jacob built the bank to stand for a thousand years, as he did this house, which, you can see, survived the earthquake while the more-pretentious Nob Hill mansions were heavily damaged if not destroyed. The House of Cromwell was built to endure.”
“Be that as it may, Margaret,” said Bell with deadly seriousness. “But I warn you and Jacob not to consider leaving town.”
Her anger flared and she came to her feet. “Do not threaten me, and do not think for a moment you can bully my brother. You’re all bluff, Isaac. You have no authority, no influence, in this city. My brother and I will be here long after you’re gone.”
He came to his feet. “I admit defeat on that score. I have no influence in this city or with its political machine. But once you cross the city limits, the two of you belong to me. You can count on it.”
“Get out!” she hissed fiercely. “Get out now!”
For a long moment, they glared at each other through wild eyes, infuriated with sudden hostility. Then Bell rose slowly and put on his hat as he walked to the front door.
Margaret jumped to her feet and shouted, “You’ll never lay your hands on my brother again. Never in a thousand years! Over my dead body!”
He paused to give her one final look. “I wish you hadn’t said that.” And then he was gone out the door.
ABNER EXPERTLY zigzagged the Rolls-Royce to the Cromwell National Bank on Sutter and Hyde Streets, evading the heaps of bricks and swarms of people littering the streets. At one corner, a policeman stopped the car and ordered Abner to go to the Mechanics’ Pavilion, the immense building and arena that housed a huge archive and was the scene for many fairs, sports events, and concerts. In desperate need of an emergency facility, the city had converted the pavilion into a hospital and morgue. The policeman insisted Cromwell put the Rolls into service as an ambulance for the injured.
“I have other uses for my car,” Cromwell said loftily. He spoke through the speaking tube: “Continue on to the bank, Abner.”
The policeman pulled out his revolver and pointed the muzzle at Abner. “I’m personally commandeering this car and seeing that you go directly to the pavilion or I’ll blow your driver’s head off and turn the car over to someone with decency.”
Cromwell was not impressed. “A pretty speech, Officer, but the car stays with me.”
The policeman’s face flushed with anger. He waved his revolver. “I’m not going to warn you again—”
The policeman reeled back in shock, his eyes wide, as a bullet from Cromwell’s Colt .38 ripped into his chest. He stood for a moment, bewildered, until his heart stopped and he crumpled to the pavement.
There was no hesitation, no concern, no remorse. Abner quickly slid from behind the wheel, snatched up the body as if it were a dummy, and set it on the front seat. Then he resumed his position behind the wheel, shifted into first gear, and drove away.
There was so much pandemonium on the streets—people shouting, the occasional thunder of another building collapsing, and the shriek of the fire equipment—that no one noticed the murder of the policeman. The few people who saw him fall to the ground thought he was injured and being picked up by a driver using his automobile as an ambulance.
“You’ll dispose of him?” Cromwell asked, as if suggesting that a servant throw a dead cockroach in the trash.
Abner spoke into his speaking tube: “I’ll take care of the matter.”
“When you’re finished, drive into the freight-and-service entrance at the rear of the bank. Let yourself in the back door—you have the key. I’ll need you to help carry several trunks to the automobile.”
“Yes, sir.”
As the Rolls-Royce reached the corner of Sutter and Market Streets and Cromwell saw the approaching inferno and the magnitude of the destruction, he began to feel apprehensive about what he would find when they drove up to his bank. His growing fear quickly turned to elation when the building came into view.
The Cromwell National Bank had withstood the earthquake nearly unscathed. The unyielding stone structure had lived up to Cromwell’s boast that it would last a thousand years. None of the walls or the great fluted columns had fallen. The only apparent damage was the shattered stained-glass windows, whose shards turned the sidewalk around the bank into a kaleidoscope of colors.
Abner pulled the Rolls to a stop and opened the rear door. Several bank employees were milling around the front entrance, having come to work out of habit, not knowing how else to deal with the tragic interruption of their lives. Cromwell got out and was only halfway up the steps when they surrounded him, all talking at once, bombarding him with questions. He held up his hands for silence and reassured them: “Please, please, go home and stay with your families. You can do nothing here. I promise your salaries will continue to be paid until this terrible calamity has ended and normal business can resume.”
It was an empty promise. Not only did Cromwell have no intention of continuing their salaries while the bank was shut down; he could see that the flames sweeping through the business district of the city were only a few hours away from consuming the bank building. Though the walls were stone and unyielding, the wooden roof beams were highly susceptible to fire, which would quickly gut the building to an empty shell.
As soon as his employees were walking away from the bank, Cromwell took a set of large brass keys from his coat pocket and unlocked the massive bronze front door. He didn’t bother to lock it after him, knowing the fire soon would consume any records inside. He headed straight for the vault. The time lock was set to engage the combination at eight o’clock. It was now seven forty-five. Cromwell calmly walked over to a leather chair at the loan
