Capital (50 page)

So they had to go and talk to a third doctor, one agreed on by both of the other two – a third opinion which both of them could see as an acceptable second opinion. This involved a train trip to Manchester, Freddy playing
Championship Manager
on his PSP, Mickey driving everyone within earshot crazy by making calls on his iPhone until the battery ran out, and Patrick looking out the window at this country he knew so little about. The countryside looked so empty, the city- and townscapes so old, so crowded, so thick with history and long habitation, and so impossible to know.

This third surgeon was amiable, crisp, and made it evident that in his own judgement he was the clear first choice to provide the opinion and when time came to do the surgery. He had light-coloured hair and fair skin and seemed to have been freshly scrubbed; he radiated cleanness. He listened briskly, asked questions briskly, and examined Freddy’s knee with a brisk air too, as if he thought Freddy might be malingering. Then after all this briskness he would not give them a verdict then and there, not even a provisional one, not even a hint. He would think about it and write to them in a day or two’s time.

The letter, when it came, agreed with the first surgeon. Freddy in his judgement would never play football again. He said that he was very sorry.

All that was the positive, practical, forward-moving part of the experience. It got worse from there, because it was at this point that the insurance company and the lawyers took over. Mickey couldn’t believe
it. He knew perfectly well that if you left the taps running in the bath, and water came through the ceiling of the downstairs flat and trashed it, the insurance company would niggle and carp and look for exclusions and exemptions and generally seek every way they could to weasel out of paying. Everyone knew that, it was a fact of life. Or they would screw you so hard by raising the premiums that you would have been better off not claiming in the first place. No-claims bonuses, no-fault car insurance: all these were giant conspiracies against the public. Everybody knew that. But seeing that this was a young man’s whole life – not just his livelihood (though that as well) but his whole life, the thing which was at the centre of his seventeen-year-old existence – Mickey thought they might have shown a bit of ordinary human decency. He thought they might have had the common humanity to treat the case on its merits and pony up. The insurance was for a rainy day, and Freddy’s knee was that rainy day. It was as rainy as it fucking well got.

Well, you might have thought that, but if you did, you were dead wrong. It had become clear that the insurers had no intention of simply paying up. Every letter was answered with the maximum possible delay, every phone call was bounced around between the various senior executives who were ‘handling’ the case, and every opportunity was taken for pissiness or evasiveness or stalling. They sought to explore the possibility of a legal challenge against the player who had tackled Freddy; that was a whole series of meetings between them and their lawyers and Freddy’s lawyers and the club. They then sought to look into the possibility that Freddy himself had been reckless, that his own behaviour – which meant reaching for the ball after he’d turned and spun and flicked it on – was a piece of contributory recklessness. Then they tried to look into the possibility that the first piece of surgery after the tackle, done by Mr Anterior Cruciate himself, had been botched, and had made things worse, and therefore that it was the surgeon – or rather his insurer – who was legally responsible for paying for the damage to Freddy’s knee. They did anything and everything they could to stall, frustrate, delay, and block any resolution of Freddy’s case. The fact that Freddy’s case wasn’t a case, it was Freddy, his whole life, seemed to weigh on them not at all.

R
oger was sitting in his office, not thinking about anything much, which these days meant he was half-entertaining a half-fantasy about what it would be like to go off with Matya and live somewhere else, Hungary even, her home town, him the exotic sexy British man who had thrown it all up to go and live with his hot sexy Hungarian, eating goulash and making love all morning … or somewhere warm perhaps, yes, that was better, somewhere with palm trees and a hammock, he’d run a little restaurant out of a shack serving nothing but grilled fish, everyone had always said his barbecues were brilliant, yes, that was the one, serving his lovely grilled fish, living in a bungalow near the beach, the shutters open, Matya not wearing anything much except a T-shirt and a bikini and maybe a grass skirt, which was a cliché but what the hell it was his fantasy, and making love all morning, and then a nap in the hammock after the lunchtime rush … and then his deputy Mark appeared framed in the doorway of Roger’s office. This was no mean feat, given Roger’s field of view over the rest of the open-plan trading floor, but Mark seemed to pride himself on his ability to creep up on Roger when he wasn’t expecting it. Roger’s attention came back to the day and the place he was actually in: a set of figures needing to be prepared, a Wednesday morning in the City of London, of course raining, every built and living thing in sight a different shade of grey.

Mark tapped the door frame with his knuckle, a gesture he made into a kind of fidget, and asked, ‘Am I disturbing you?’ This was something he always asked at the start of any conversation at work, and its ritual nature was borne out by the fact that he did not wait for an answer and came straight into Roger’s office.

‘The figures,’ said Roger, not meaning to make it sound like a sigh but finding that he had.

‘The figures,’ said Mark, who came round to Roger’s side of the workstation – this was their routine – and laid out a spread of papers. He began to talk and to go through the numbers, which were neither good nor bad, pointing things out with his red marker pen. Roger grunted and let Mark talk through the data. His attention faded in and out and he kept his end of the analysis up with grunting, nodding, and occasionally pointing at some numbers. He was more and more like this at work these days. It wasn’t a desperate need to be somewhere else, or someone else, it was more a mild longing, a gentle absence; he was partly not there, more or less all the time. After Mark had talked and crunched numbers and made points for about twenty minutes, Roger looked at his watch and said, ‘Time for the show.’ The two men collected their papers and left for the conference room. Roger knew that if there were any difficult points at the meeting, he could bounce the questions over to his deputy.

And as for that deputy, and what he was thinking, well …

M
ark, looking over Roger’s shoulder while he himself, as usual, did all the work – Mark whose great preoccupation was, and had been ever since childhood, his feeling that he needed the world to acknowledge him as the heroic main character in his own story – Mark was thinking that he, Mark, had been a naughty boy. In fact those very words would sometimes run through his mind, like a nursery jingle or a pop-music ear worm, a tune you’d got stuck in your mind and couldn’t get rid of. I’ve been a naughty boy, I’ve been a naughty boy …

The fright with Jez, when he had nearly been caught at his monitor, had been a real fright. It still wasn’t something Mark liked to think about. Jez might have gone to his boss; might have done anything. And physically, at an animal level, Mark was frightened of Jez. But a strong man with a definite purpose did not over-dwell on such minor setbacks, and all Mark had done was lie low for a month or two and not do any rummaging around other people’s desks or terminals – though, because he was a strong man acting on a plan, he stuck to the plan, and kept on coming in to the office before anyone else. That way there would be no change in his behaviour when he went back to his scheme. This was how you had to think if you wanted to get things done.

After six weeks, Mark had gone back to work on his plan, and had immediately had a breakthrough. One of his old mates from back-office days now worked in Compliance, the section of the bank which
monitored staff’s adherence to the various laws and codes of practice and risk-control models. Dropping in to visit him one day, Mark found him out of the room, having left behind on his desk a Post-it pad covered in numbers. The string of digits was, Mark guessed, the strongly encrypted password to something. Taking a big risk, Mark came round to the terminal and checked the log-in and found that while his colleague had a weekly changing password he also – because those passwords were impossible to remember – kept a file of passwords, to which he now, he found, had the key. It was really as easy as that, if you knew what you were doing. Mark had already found an old account which had once been used to balance trades at the end of the day and which was supposed to be for short-term, twenty-four-hour-only use; but precisely because it hadn’t been used in so long, he was now able to delete it from Compliance’s systems without any discrepancies appearing. So now he could log on to colleagues’ accounts without their knowledge, trade, park the profits (and losses, if there were any, though that was unlikely) in the no-longer-dormant account. The system was supposed to flag anything which seemed statistically anomalous – but he could use his access to Compliance to track any alerts, and sign off on them, before anyone else noticed. He was in business.

The plan was simple. Trade, not on his own account, obviously – he was no thief, thank you very much! – but on the bank’s, until he had made, say, £50 million. Serious money. An amount which didn’t risk the bank but which was irrefutable evidence of his talents. Then, fess up. Tell them what he had done and let them draw the obvious conclusion: that he was a risk-taker with a proven talent for delivering spectacular returns, and there were fifty million reasons for giving him what he wanted – which, in the short term anyway, was Roger’s job.

Mark had this very week made his first trades. The City was going through an anxious phase, with rumours of all sorts of nasties emerging from the US derivatives market, but Mark had always believed that it was during bad weather that you found out how good a sailor you were. He had bought some derivatives taking a long – optimistic – position on the Argentine peso, measured against the yen. Within seventy-two hours, there had been a 6 per cent movement in the currency
in the right direction. Thanks to the magnifying effect of derivatives and leveraging, Mark had come close to doubling this bet, which meant doubling the bank’s money. He had closed the position and hidden the profit in the no-longer-dormant account. Then he had gone on to make a big bet on the dollar, the highly out-of-fashion dollar, against a basket of other currencies, and that was going so well that he was still running an open position, and was well on his way to doubling his money again. This was not mere evidence that he might have a talent for this kind of thing: it was not an indication: it was the thing itself. This was what genius looked like.

It had been difficult getting to the position where he was able to do what he wanted. That was fine with Mark, the difficulty was part of the point. This wasn’t supposed to be the sort of thing most people were capable of thinking of, or capable of doing. His face, his mask, his Thomas Pink shirt and Gieves & Hawkes suit and Prada shoes might not be exceptional (though to the person who studied them, there were signs that this City uniform was more carefully put together, more thought through, than most), but the person inside them was a once-in-a-generation talent. Given that, it had to be admitted that Roger was a grievous disappointment. Mark deserved a better figure to outwit, surpass and overtake. He had once seen Roger as a worthwhile antagonist, someone who merited his efforts to outdo. But it was increasingly clear that his boss wasn’t that person. He just wasn’t up to the role of Mark’s enemy; he wouldn’t even be a footnote in his biography.

‘Bring the paperwork, would you?’ said Roger, proving the point, as he drifted in his airy, athletic way towards his own office door. For such a tall man he had an indecisive, soft manner of movement, as if his determination to get where he was going might fail him at any moment. He had a folder under his arm, which for Roger, clearly, was good enough reason to let his junior colleague carry everything else. He was just so oblivious, that was the thing about Roger which really irritated Mark – which properly got under his skin. What would it take for Roger to notice what was going on around him? A bomb under his chair? Mark wouldn’t put it past him to not-notice. Well, he’d certainly
notice when his deputy turned around and told his bosses – Roger’s bosses – that he had just made fifty million quid while Roger was looking out of the window thinking about how to pay for his wife’s Botox, or whatever it was he thought about. Maybe the inside of Roger’s head was like one of those
Simpsons
cartoons depicting what Homer was thinking about: tumbleweed drifting past, a mechanical monkey doing somersaults, a hamburger. Yeah, that’s probably what it was like to be Roger. Like being Homer Simpson, except taller and richer and working in a bank. For now, anyway.

Roger, with his thin folder, and Mark, with his armfuls of paperwork, arrived at the meeting room. Lothar was sitting there already at the head of the table, red-faced and fit-looking, his own single folder on the table in front of him, beside a large plastic glass with a bright green liquid inside, presumably one of his nasty-smelling health drinks. Lothar said what he always said at the start of meetings, one of the few words which made his German accent fully apparent:

‘Chentlemen.’ He made it sound halfway between a statement and a question.

S
hahid had taken to sitting on the floor in the corner of his cell. He wasn’t sure why, and it wasn’t part of a conscious plan; it wasn’t as if it offered him a more interesting view of his bed and his toilet. But since he had found out that the police thought he and Iqbal were part of a plot to use stolen Czech Semtex to blow up a train in the Channel Tunnel, he had lost his earlier confidence that things were somehow going to turn out all right of their own accord. Up until now, although what was happening to him was ridiculous, he had never lost a basic trust that there was a larger justice working in his favour. Now, however, that belief was fading. The plain fact was that the police did not believe him. They thought Iqbal was a bad guy, which as far as Shahid knew might well be true – ‘You know a lot more about him than I do,’ as he kept telling all four of his interrogators, over and over again – but they also thought that he and Shahid were closely involved with each other. Instead of Iqbal, Belgian semi-nutter from more than a decade ago who self-invited, it was Iqbal-and-Shahid, co-conspirators, peas in the pod, two halves of the same naan. It turned out that his internet use was being monitored and that Iqbal had visited jihadi websites, corresponding in encrypted emails, and reading and downloading all sorts of terrorist how-to information – which was nowhere to be found on Shahid’s computer. What that meant was that Iqbal had been doing things on his own laptop. But none of that had anything to do with
Shahid. It had nothing to do with him! Nothing! To do! With him! NOTHING TO DO WITH HIM!