All in Good Time (3 page)

That was why she would try every legitimate bank in Denver, no matter how long it took. When she exhausted that list, she would start over again and keep asking until she received the money she sought.

Mr. Ridgeway patted the neat stack in front of him. “I’ll need to consult with the bank’s president, of course. I wanted to meet you in person first, to confirm what I guessed from your application and letter.”

He stood, extending his hand once again. “Return tomorrow morning at ten thirty, Miss Caldwell, and I’ll have an answer for you.”

Dessa shook his hand with renewed enthusiasm. The answer wasn’t no!

Mr. Ridgeway walked around his desk. “Allow me to escort you out. Do you have a carriage, or can I have someone hail a hansom cab for you?”

“I have a friend waiting, thank you.”

“Then I’ll bid you good day.”

“Thank you, Mr. Ridgeway, for your time and consideration.”

She extended her hand again but saw that his gaze was arrested by something behind her. Dessa turned to catch sight of two men emerging from another office closer to the vault.

“If you are a praying person, Miss Caldwell,” said Mr. Ridgeway, his voice lowered nearly to a whisper, “and I sense that you are, that’s the man you need to mention to God. Mr. Henry Hawkins.”

Surely he meant the one who was staying, not the older man who’d just placed a hat upon his balding head and was even then walking toward the door. But how could the president of such a large and prestigious bank be so young? He couldn’t be much older than Dessa herself. And, she couldn’t help but notice, a more handsome man she had never seen.

But the look he possessed as he turned back into his office held none of Mr. Ridgeway’s friendliness.

Dessa’s smile faded. Indeed, as he enclosed himself inside his office without noticing her at all, Mr. Henry Hawkins looked every bit as cold as the banker who’d shown her the door only two days ago.

“If you could join me in that prayer, Mr. Ridgeway,” she whispered back, “I would be most appreciative.”

2

ALTHOUGH IT WAS
barely past eight, the sun had already set behind the mountains, casting Denver into its habitually early evening. Henry Hawkins let himself inside and latched the door behind him, greeted as usual by the quietness of his own home. Twice a year this house burst with light and guests and noise—one investors’ dinner party in winter, another in summer, to impress depositors—but for the other 363 days, the house was closer to a mortuary than a home.

He used to welcome the lack of noise, but tonight this house on the established but still fashionable Fourteenth Street felt hollow and empty.

“Barron! Mr. Barron!”

Instead of his butler, the cook answered his call. Mrs. Giovannini was a marvel at breads and sauces, but she was not the kind of servant—or company—Henry needed at the moment. He’d never employed a housekeeper, wanting to keep his staff at a minimum. Barron was butler, valet, and head of the staff and was paid accordingly.

“Where is Barron, Mrs. Gio?” He refused to spend so many syllables on a single name and so had never called his cook by anything but the shortened version. He’d been told her Christian name was Giovanna, which together with her last name might sound lyrical, but Henry wasn’t in the habit of singing for anyone.

“Barron—he go to . . . how you say?
Fratello!
He go see
fratello
 . . . you
non qui
 . . . we think you not home
molto in ritardo
, so he go see his
famiglia
. You see?”

Henry nodded, though he did not see at all. It was simply easier to let the conversation end.

“You want
cena
? Dinner, yes, Mr. Hawkins? I bring you dinner. You sit. You rest. You tired.”

That much he did understand, and she was right. Loosening the high collar on his shirt, he stepped farther into the wide foyer and for the barest moment didn’t know whether to turn left into the dining room or right into the parlor. No doubt Mrs. Gio had kept his dinner hot; she was prompt at serving him a full meal no matter what time he arrived.

But he opted for the parlor despite such thoughts. She could serve him in there, with a tray at his most comfortable chair. There was no question about it; Henry felt tired beyond his years.

He didn’t welcome the realization. Admittedly, Henry had been in a hurry to grow up most of his life, but he hadn’t thought to skip his youth for old age. His own father, at age thirty, had worked over the blaze of a smith’s shop from dawn until dark. He’d pounded and forged, creating everything from mundane horseshoes and work tools to the intricate designs of fancy residential gates that graced more than a few houses like the one in which Henry now lived.

His father’s idea of slowing down had been to sell the smithy and open a mercantile next door. Promptly one year into the reduced physical labor, he’d dropped dead. To this day, Henry’s mother still worked long hours in that very shop. What right did Henry have to be tired after a day spent sitting behind a desk?

Only one man could be blamed for wearing Henry down. His uncle, Tobias Ridgeway. The man was like a tick on a dog’s ear, dug in for the duration. Ever since Henry had given him a job at the bank, the man hadn’t stopped bringing in projects for investment.
Some had been interesting, like a product called celluloid to be used in place of ivory for billiard balls. A practical idea, until Henry learned that fire and moisture damaged the product. Since anything from a lusty sneeze to a spilled beer or dropped cigar could wreak havoc on what should be a perfectly smooth surface, it soon lost its appeal to even the most frugal billiard hall owners.

Lately Tobias had grown more charitable in his recommendations, something Henry found unaccountably irksome.

Just as Henry settled in his chair, a rap at the door echoed through the empty foyer. He grumbled, recognizing the force behind that rap. Only an arm the size of Uncle Tobias’s could produce such a sound.

He let Mrs. Gio answer, listening through another round of attack on the sturdy, carved wooden door before Mrs. Gio’s halting English welcomed Tobias in. Tobias’s familiarly firm step soon crossed the foyer ahead of his escort, and there he stood, all six burly feet of him. He glowered as if Henry had done something wrong.

“I hava your dinner,” said Mrs. Gio once she caught up to Henry’s guest.

“Thank you, Mrs. Gio,” Henry said briskly, then looked at Tobias. “You’re welcome to half of whatever is on this tray. Mrs. Gio always brings too much.”

“I’ve eaten already,” Tobias said, though even as his mouth uttered the words, Henry could see his nose signaling an altogether different sort of response as Mrs. Gio passed him with the tray.

“Bring another plate, will you, Mrs. Gio?” asked Henry. “And another tray. We’ll stay in here rather than the dining room. I won’t be leaving this chair until I go to bed this evening.”

Mrs. Gio looked pleased at his offer to share the bounty she’d brought, though he guessed she would bring Tobias a tray every bit as filled with the fragrantly spiced and sauced eggplant and plenty of bread to soak up every drop of what she called gravy.

“You left the bank without seeing me.” Tobias used the phrase as an accusation. “Did you forget there was something I wanted to discuss with you?”

By this time in the day, Henry had less patience than ever. Being anything but direct only wasted time. “I assumed it was another attempt to convince me to get involved in the charity work you’ve become enamored of lately. Is it?” A single glance at Tobias’s face told Henry he’d guessed correctly.

It was one thing to offer Tobias a job—out of old affection mixed with an irreducible residue of guilt. Keeping him on had proven a good idea, because other than this occasional lapse into civic risk he was a sound investor. Loans from his desk almost always proved reliable.

But it was something altogether different to go along with every idea Uncle Tobias presented. Henry had built his bank, his home, his reputation, his very life upon things Denver needed. Businesses that provided goods like mining tools or, more recently, household necessities. Still other loans provided farmers with seed for crops or grain for livestock. Necessary ventures, nearly all of them.

A rest home for prostitutes was not a sound business investment, even if they euphemistically called it a home for wayward girls. Such things were best left to the churches, where charity was meant to originate. Henry had a business to run, and that meant enjoying profits without suffering unnecessary—or quite predictable—losses.

“This so-called charity idea might be just what your soul needs, Henry.” Tobias looked around, raising a palm to encompass their surroundings. Henry looked too, despite knowing exactly what he’d see: a sensibly appointed room with the highest-quality furniture. He owned no knickknacks or sentimentalities, just a clock on the mantel and an oil lamp in case there was trouble with the
recently installed electricity. One portrait hung on the wall, of a man Henry had never known. His mother had told him that man was her father, making him Tobias’s father as well. It was all they had of him, a canvas she’d rolled up and taken with her from Manchester, England, when she and Tobias had come as little more than children. Tobias said Henry resembled him, but Henry didn’t see it.

In truth he wasn’t like his grandfather, or his parents, either.
They
had worked as hard as he did, or harder, but had little to show for it. Still, the portrait offered investors the human side of Henry, since he had little other family to show them.

“There’s nothing wrong with my soul, Tobias—not that it matters, since it won’t be needed until that’s all that’s left of me. This loan you’re so eager for us to issue is untenable. Have you told the party to seek out the church’s help as I instructed?”

“As
I’ve
said before, the church has given all it can. The girls—perhaps even an occasional young mother-to-be . . . Well, the idea is to turn no one away, so not all churches are eager to help.”

“Here is your supper,
signore
!” said Mrs. Gio, her cheerful voice a stark contrast to Tobias’s awkward tone. “Ah, you always bring a good
appetito
, Signore Tobias.
È buono! È buono
!
”

Tobias had the grace to set aside his annoyed frown over the interruption, an annoyance that was evidently forgotten once a full plate was settled before him. His smile turned serene.

“Thank you, Mrs. Giovannini,” he said, sitting at the table nearby and using it rather than his meager lap.

Henry took another bite of the savory meal and thanked Mrs. Gio on her way out of the room.

A few minutes of silence followed as Henry ate, watching Tobias do the same. As usual, the man ate with gusto, his only sounds an occasional moan of satisfaction over one taste or another. Henry would have been amused if he wasn’t still irritated
by the one trait he both admired and detested in Tobias Ridgeway, depending on whether or not they agreed about an issue: Tobias lived with tenacity.

“There are places for such people already,” Henry persisted finally. “Poor farms, I’m told, won’t turn away someone in need. Surely there are already such places within a reasonable distance of a city as large as Denver.”

“True enough, but there are a great many needs those of us who are blessed should not ignore. Much is expected from those who are given much, Henry. And you have been given much.”

Henry washed down the bread—flaky and white, rubbed with garlic butter on its crust—with a glass of the wine Mrs. Gio made and stored in the cellar. He leveled a stare at Tobias. “You’re paid a generous wage, aren’t you? Isn’t everyone employed at my bank given a wage that’s the envy of nearly all other bank clerks in Denver?”

“Yes, you’re a generous employer.”

“How I choose to donate discretionary funds is my personal business, but I’ll not authorize bank funds for something that will undoubtedly bring not a cent in return.”

“But that’s just it, Henry. Miss Caldwell explained how she plans to turn a profit, along the lines of the very poor farms you cited yourself. She intends to teach the girls to sew linens and such to help with the expenses. It’ll not run entirely upon charity, only the initial investment—”

“Which hasn’t a hope in heaven to be repaid.” Henry shook his head and wiped his mouth at the same time. Once his mind was made up, he never changed it. Surely Tobias knew that by now.

“Perhaps not repaid in money, but in satisfaction? In knowing you’ve helped the lives of those less fortunate? Your mother would be proud if you made such a decision.”

“I’ll thank you not to bring my mother into it. As it pertains to bank matters, the relationship between you and me is strictly
business.” Henry set aside his tray, as tired of the food as he was of the company. “Go home, Tobias. Aunt Etta is no doubt waiting for you.”

“No worries there; I stopped in before I came here.”

“And ate her dinner as well?”

Tobias shrugged one hefty shoulder, then took another mouthful of the eggplant, squeezing his words out around the food. “There is another reason I think you ought to get involved in this particular project.”

“Any benefit would be hard-pressed to outweigh the sheer nonsense of the proposal.”

Tobias took the last of his bread and scraped it around his empty plate, scrubbing up the last bit of the red sauce. He popped the bread in his mouth, took a final swig of wine, then wiped his mouth as Henry had a moment before.

But when he began to speak, a hearty burp came out instead. Tobias smiled, satisfied with himself. “Pardon me, but that was a delicious meal. I’ll be sure to stop in the kitchen and tell your Mrs. Gio before I leave.”

“You were saying, Tobias? About the benefits of whatever loan you want me to extend? Finish your argument so I can have some peace and quiet.”

Tobias set aside the wine and the napkin, then placed both palms on his brawny thighs with a thud. “It’s this, Henry. You’re a miserable, lonely old banker trapped in the healthy body of a much younger and viable man. I don’t know what’s made you build a vault around your heart and soul and life, but because of a promise I made to your mother, it’s become my goal to see it blown to smithereens.”

Henry cocked his head. “My life? Blown to smithereens?”

Tobias laughed loud. “No, just the vault around it. Once you’re free, I guarantee you’ll be a much happier person.”

Henry might have declared himself happy already, but even he knew that apart from the satisfaction of a successful business, there wasn’t much evidence for such a claim. “And what has this to do with offering a bad loan that will no doubt tarnish the sensible reputation I’ve spent all these years building for my bank?”

Tobias stood, approaching Henry and leaning over him so their eyes were level. “If the goodness of Miss Dessa Caldwell cannot ignite the dynamite it’ll take to do the blasting, then I’ll give up hope for you altogether.”

“By giving up hope, do you mean you’ll stop hounding this soul of mine that you insist I acknowledge?”

Tobias stood full height again, adjusting his jacket, patting his rounded stomach. “Let’s just say I’ll reconsider my tactics should I fail in this venture.”

Henry leaned his head against the plush leather chair. He closed his eyes, eager for peace. “Off you go, Tobias. If the goodness of Miss Caldwell is so extraordinary, I’m sure she won’t have trouble finding the money she needs at her church. Or at another, less practical bank.”

“No, Henry.” Tobias’s oddly stern voice, deeper than usual, caused Henry to open his eyes again. “I came here tonight to tell you this: I put through the necessary paperwork to approve Miss Caldwell’s loan, based on my authority. You can give me my walking papers if you like, but tomorrow morning when she visits your bank, she’ll be taking with her every penny she requested.”