“To be precise, it will hit directly beneath the Shinjuku branch of the Tokyo Security Trust Bank.”

A heavy silence followed.

“And you,” Katagiri said, “are planning to stop this earthquake?”

“Exactly,” Frog said, nodding. “That is exactly what I propose to do. You and I will go underground beneath the Shinjuku branch of the Tokyo Security Trust Bank to do mortal combat with Worm.”

As a member of the Trust Bank Lending Division, Katagiri had fought his way through many a battle. He had weathered sixteen years of daily combat since the day he graduated from the university and joined the bank’s staff. He was, in a word, a collection officer—a post that carried little popularity. Everyone in his division preferred to make loans, especially at the time of the bubble. They had so much money in those days that almost any likely piece of collateral—be it land or stock—was enough to convince loan officers to give away whatever they were asked for, the bigger the loan the better their reputations in the company. Some loans, though, never made it back to the bank: they got “stuck to the bottom of the pan.” It was Katagiri’s job to take care of those. And when the bubble burst, the work piled on. First stock prices fell, and then land values, and collateral lost all significance. “Get out there,” his boss commanded him, “and squeeze whatever you can out of them.”

The Kabukicho neighborhood of Shinjuku was a labyrinth of violence: old-time gangsters, Korean mobsters, Chinese mafia, guns and drugs, money flowing beneath the surface from one murky den to another, people vanishing every now and then like a puff of smoke. Plunging into Kabukicho to collect a bad debt, Katagiri had been surrounded more than once by mobsters threatening to kill him, but he had never been frightened. What good would it have done them to kill one man running around for the bank? They could stab him if they wanted to. They could beat him up. He was perfect for the job: no wife, no kids, both parents dead, brother and sister he had put through college married off. So what if they killed him? It wouldn’t change anything for anybody—least of all for Katagiri himself.

It was not Katagiri but the thugs surrounding him who got nervous when they saw him so calm and cool. He soon earned a kind of reputation in their world as a tough guy. Now, though, the tough Katagiri was at a total loss. What the hell was this frog talking about? Worm?

“Who is Worm?” he asked with some hesitation.

“Worm lives underground. He is a gigantic worm. When he gets angry, he causes earthquakes,” Frog said. “And right now he is very, very angry.”

“What is he angry about?” Katagiri asked.

“I have no idea,” Frog said. “Nobody knows what Worm is thinking inside that murky head of his. Few have ever seen him. He is usually asleep. That’s what he really likes to do: take long, long naps. He goes on sleeping for years—decades—in the warmth and darkness underground. His eyes, as you might imagine, have atrophied, his brain has turned to jelly as he sleeps. If you ask me, I’d guess he probably isn’t thinking anything at all, just lying there and feeling every little rumble and reverberation that comes his way, absorbing them into his body, and storing them up. And then, through some kind of chemical process, he replaces most of them with rage. Why this happens I have no idea. I could never explain it.”

Frog fell silent, watching Katagiri and waiting until his words had sunk in. Then he went on:

“Please don’t misunderstand me, though. I feel no personal animosity toward Worm. I don’t see him as the embodiment of evil. Not that I would want to be his friend, either: I just think that, as far as the world is concerned, it is in a sense all right for a being like him to exist. The world is like a great big overcoat, and it needs pockets of various shapes and sizes. But right at the moment Worm has reached the point where he is too dangerous to ignore. With all the different kinds of hatred he has absorbed and stored inside himself over the years, his heart and body have swollen to gargantuan proportions—bigger than ever before. And to make matters worse, last month’s Kobe earthquake shook him out of the deep sleep he was enjoying. He experienced a revelation inspired by his profound rage: it was time now for him, too, to cause a massive earthquake, and he’d do it here, in Tokyo. I know what I’m talking about, Mr. Katagiri: I have received reliable information on the timing and scale of the earthquake from some of my best bug friends.”

Frog snapped his mouth shut and closed his round eyes in apparent fatigue.

“So what you’re saying is,” Katagiri said, “that you and I have to go underground together and fight Worm to stop the earthquake.”

“Exactly.”

Katagiri reached for his cup of tea, picked it up, and put it back. “I still don’t get it,” he said. “Why did you choose me to go with you?”

Frog looked straight into Katagiri’s eyes and said, “I have always had the profoundest respect for you, Mr. Katagiri. For sixteen long years, you have silently accepted the most dangerous, least glamorous assignments—the jobs that others have avoided—and you have carried them off beautifully. I know full well how difficult this has been for you, and I believe that neither your superiors nor your colleagues properly appreciate your accomplishments. They are blind, the whole lot of them. But you, unappreciated and unpromoted, have never once complained.

“Nor is it simply a matter of your work. After your parents died, you raised your teenage brother and sister singlehandedly, put them through college, and even arranged for them to marry, all at great sacrifice of your time and income, and at the expense of your own marriage prospects. In spite of this, your brother and sister have never once expressed gratitude for your efforts on their behalf. Far from it: they have shown you no respect and acted with the most callous disregard for your loving-kindness. In my opinion, their behavior is unconscionable. I almost wish I could beat them to a pulp on your behalf. But you, meanwhile, show no trace of anger.

“To be quite honest, Mr. Katagiri, you are nothing much to look at, and you are far from eloquent, so you tend to be looked down upon by those around you. I, however, can see what a sensible and courageous man you are. In all of Tokyo, with its teeming millions, there is no one else I could trust as much as you to fight by my side.”

“Tell me, Mr. Frog—” Katagiri said.

“Please,” Frog said, raising one finger again. “Call me ‘Frog.’ ”

“Tell me, Frog,” Katagiri said, “how do you know so much about me?”

“Well, Mr. Katagiri, I have not been frogging all these years for nothing. I keep my eye on the important things in life.”

“But still, Frog,” Katagiri said, “I’m not particularly strong, and I don’t know anything about what’s happening underground. I don’t have the kind of muscle it will take to fight Worm in the darkness. I’m sure you can find somebody a lot stronger than me—a man who does karate, say, or a Self-Defense Force commando.”

Frog rolled his large eyes. “To tell you the truth, Mr. Katagiri,” he said, “I’m the one who will do all the fighting. But I can’t do it alone. This is the key thing: I need your courage and your passion for justice. I need you to stand behind me and say, ‘Way to go, Frog! You’re doing great! I know you can win! You’re fighting the good fight!’ ”

Frog opened his arms wide, then slapped his webbed hands down on his knees again.

“In all honesty, Mr. Katagiri, the thought of fighting Worm in the dark frightens me, too. For many years I lived as a pacifist, loving art, living with nature. Fighting is not something I like to do. I do it because I have to. And this particular fight will be a fierce one, that is certain. I may not return from it alive. I may lose a limb or two in the process. But I cannot—I will not—run away. As Nietzsche said, the highest wisdom is to have no fear. What I want from you, Mr. Katagiri, is for you to share your simple courage with me, to support me with your whole heart as a true friend. Do you understand what I am trying to tell you?”

None of this made any sense to Katagiri, but still he felt that—unreal as it sounded—he could believe whatever Frog said to him. Something about Frog—the look on his face, the way he spoke—had a simple honesty to it that appealed directly to the heart. After years of work in the toughest division of the Security Trust Bank, Katagiri possessed the ability to sense such things. It was all but second nature to him.

“I know this must be difficult for you, Mr. Katagiri. A huge frog comes barging into your place and asks you to believe all these outlandish things. Your reaction is perfectly natural. And so I intend to provide you with proof that I exist. Tell me, Mr. Katagiri, you have been having a great deal of trouble recovering a loan the bank made to Big Bear Trading, have you not?”

“That’s true,” Katagiri said.

“Well, they have a number of extortionists working behind the scenes, and those individuals are mixed up with the mobsters. They’re scheming to make the company go bankrupt and get out of its debts. Your bank’s loan

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