His voice had a new, savage undercurrent to it. “I knew straightaway. Right from the off. Maybe three years ago, not long after Jack was born, I went over to Pat and Jenny’s place for dinner one night-they were renting this little town house in Inchicore, back then; I was ten minutes down the road, I was over all the time. I get there, and the two of them, they’re over the moon. I’m barely in the door, they shove this brochure of houses at me: ‘Look! Look at this! We put down our deposit this morning, Jenny’s mum minded the kids so we could camp outside the estate agent’s overnight, we were tenth in the queue, we got the exact one we wanted!’ They’d been dying to buy somewhere ever since they got engaged, so I was all ready to be delighted for them, yeah? But then I look at the brochure and the estate’s in Brianstown. Never heard of it; sounds like one of those nowhere dives that the developer’s named after his kid or himself, playing little emperor. And it says something like ‘Just forty minutes from Dublin,’ only I take one look at the map and that’s if you’ve got a helicopter.”

I said, “Long way from Inchicore. No more calling round for dinner every few days.”

“That wasn’t a problem. They could’ve found somewhere in Galway and I’d’ve been happy for them, as long as it was going to make them happy.”

“Which they thought this place was.”

“There was no place. I look closer at this brochure, and those aren’t houses; they’re models. I say, ‘Is the estate even built?’ and Pat goes, ‘It will be when we move in.’”

Conor shook his head, a corner of his mouth twisting. Something had changed. Broken Harbor had slammed into this conversation like a battering gust of wind, turning all of us tense and intent. Richie had put the sugar sachet away. “Betting years of their lives on a field in the middle of nowhere.”

I said, “So they were optimists. That’s a good thing.”

“Yeah? There’s optimistic, and then there’s plain crazy.”

“You didn’t think they were old enough to make that decision for themselves?”

“Yeah. I did. So I kept my gob shut. Said congratulations, I’m delighted for you, can’t wait to see the place. Nodded and smiled whenever they talked about it, when Jenny showed me bits of curtain material, when Emma drew a picture of what her room was going to look like. I wanted it to be wonderful. I was praying it’d be everything they’d ever wanted.”

I said, “But it wasn’t.”

Conor said, “The two of them brought me down to see the place, when the house was ready. A Sunday: the day before they were signing the final contracts. Two years ago-bit more, because it was summer. It was hot, sticky-hot-cloudy, and the cloud pressing the air down on top of you. The place was…” A grim sound that could have been a laugh. “You’ve seen it. It was better then-the weeds hadn’t come up, and there was still loads of work going on, so at least it didn’t feel like a graveyard-but still: it wasn’t somewhere anyone would want to live. When we get out of the car, Jenny goes, ‘Look, you can see the sea! Isn’t it gorgeous?’ I go, ‘Yeah, great view,’ but it wasn’t. The water looked dirty, greasy; there should have been a breeze coming off of it, cool us down, but it was like the air had died. The house was pretty enough, if you like Stepford, but straight across the road was waste ground and a bulldozer. The whole place was fucking horrendous. Made me want to turn around and get out as fast as I could, drag Pat and Jenny with me.”

Richie said, “What about them? Were they happy enough?”

Conor shrugged. “Sounded like. Jenny goes, ‘They’ll be finished building across the road in just a couple of months’-didn’t look like that to me, but I kept my mouth shut. She goes, ‘It’s going to be so lovely. The mortgage people are giving us a hundred and ten percent, so we can furnish the place. I was thinking about a maritime theme for the kitchen, to go with the sea? Don’t you think a maritime theme would be nice?’

“I go, ‘Might be safer to take just the hundred percent, furnish as you go along.’ Jenny laughs-it sounded fake, but that could’ve been just the way the air flattened everything out-and she goes, ‘Oh, Conor, relax. We can afford it. So we won’t eat out as much; there’s nowhere nearby anyway. I want everything to be nice.’

“I go, ‘I’m just saying, it’d be safer. In case.’ Maybe I should’ve said nothing, but that place… It felt like a big dog watching you, starting to come closer, and you know right now is when you need to get the fuck out. Pat just laughs and goes, ‘Man, do you know how fast property prices are rising? We haven’t even moved in yet, and the gaff’s already worth more than we’re paying. Any time we decide to sell, we’ll come out with a profit.’”

I said, hearing the pompous note in my voice, “If they were crazy, then so was the rest of the country. Nobody saw the crash coming.”

Conor’s eyebrow flicked. “You think?”

“If anyone had, the country wouldn’t be in this mess.”

He shrugged. “I don’t have a clue about financial stuff. I’m just a web designer. But I knew nobody wanted thousands of houses out in the middle of nowhere. People only bought them because they got told that in five years’ time they could sell up for double what they’d paid, and move somewhere decent. Like I said, I’m just some idiot, but even I knew a pyramid scheme eventually runs out of suckers.”

“Well, look at Alan Greenspan here,” I said. Conor was starting to piss me off-because he had been right, and because Pat and Jenny had had every right to believe that he was wrong. “It’s easy to be right in hindsight, fella. It wouldn’t have killed you to be a little more positive for your friends.”

“You mean, give them a little more bullshit? They were getting plenty of that already. The banks, the developers, the government: Go on, buy, best investment of your lives-

Richie balled up the sugar sachet and sank it in the bin with a sharp rustle. He said, “If I’d seen my best mates running towards that cliff, I’d’ve said something, too. Might not have stopped them, but it might’ve meant the fall came as less of a shock.”

The two of them were looking at me like they were the ones on the same side, like I was the outsider. Richie was only nudging Conor towards what the crash had done to Pat, but it grated just the same. I said, “Keep talking. What happened next?”

Conor’s jaw moved. The memory was winding him tighter and tighter. “Jenny-she always hated fights-Jenny goes, ‘You should see the size of the back garden! We’re thinking about getting a slide for the kids, and in the summer we’ll have barbecues-you can stay over afterwards, so you won’t have to worry about having a few cans-’ Only just then there’s this huge crash across the road, like a whole bale of slates falling off the top of the scaffolding, something like that. We all jump a mile. When our hearts start beating again, I say, ‘You’re positive about this. Yeah?’ Pat goes, ‘Yeah. We are. We’d better be: the deposit’s non-refundable.’”

Conor shook his head. “He’s trying to make it into a joke. I say, ‘Fuck the deposit. You can still change your minds.’ And Pat, he blows up at me. He yells, ‘Fuck’s sake! Can’t you just pretend to be happy for us?’ And that wasn’t Pat, not at all-like I said, he never lost his temper. So I knew he was having second thoughts, major ones. I go, ‘Do you actually want this gaff? Just tell me that.’

“He goes, ‘Yeah, I do. I always did. You know that. Just because you’re happy renting some bachelor pad for the rest of your life-’ I go, ‘No. Not a gaff. This gaff. Do you want it? Do you even like it? Or are you only buying it because you’re supposed to?’

“Pat goes, ‘So it’s not perfect. I bloody well knew that already. What the fuck do you want us to do? We’ve got kids. When you’ve got a family, you need a home. What’s your problem with that?’”

Conor ran a hand up his jaw, hard enough that it left a red streak. “We were yelling. Back where we grew up, there’d have been half a dozen old ones sticking their noses out the doors by now. Out there, nothing even moved. I go, ‘If you can’t buy something you actually want, then keep renting till you can.’ Pat goes, ‘Sweet Jesus, Conor, that’s not how it works! We need to get on the property ladder!’ I go, ‘Like this? By going a million miles into debt for some dive that might never be a decent place to live? What if the wind changes and you get stuck like that?’

“Jenny tucks her hand in my elbow and she goes, ‘Conor, it’s fine, honest to God it is. I know you’re just trying to look out for us or whatever, but you’re being totally old-fashioned. Everyone’s doing it these days. Everyone.’”

He laughed, a single dry scrape. “She said it like that meant something. Like that was the argument over, end of story. I couldn’t believe what I was hearing.”

Richie said quietly, “She was right. Our generation, how many of them were doing the exact same thing? Thousands, man. Thousands and thousands.”

So? Who gives a fuck what everyone else does? They were buying a

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