Chapter Fifteen:

"Easy credit terms available..."

—SATAN

"I HEAR YOU got jumped last night."

I paused in mid-move of easing myself into the cab's back seat to give the cabbie a long stare. "... And good morning to you, too, Edvick," I said dryly. "Yes, thank you, I slept very well." My sarcasm was not lost on the driver... a fact for which I was secretly grateful. Sometimes I have cause to wonder about my powers of communication.

"Hey! Nothing personal. It's just that people talk, ya know?"

"No, I don't... but I'm learning."

It seemed that however large and populated Perv appeared to be, there was a thriving network of gossip lurking just out of sight.

I had come down early, hoping to have a chance to talk with J.R., but between my room and the front door I had been stopped by two bellhops and the desk clerk, all of whom knew that I had been in a fight the night before. Of course, they each expressed their sympathies... in varying degrees. As I recall, the desk clerk's sympathy went some thing like "You're, welcome to use the hotel safe for your valuables, sir... but we can't accept responsibility for any losses."

Terrific!!

I had rapidly discovered that I wasn't wild about the idea of my escapade being discussed by the general populace. Especially not since it ended with a session with the police. Even though he had noted my displeasure at discussing the prior night's incident, Edvick seemed determined not to let the subject die as we started on our way. "I told you you should have gotten a bodyguard," he lectured. "Carrying that kind of cash around is just askin' for trouble."

"Funny, the police said the same thing... about the cash, I mean."

"Well they're right... for a change. Things are dangerous enough around here without drawing unnecessary attention to yourself."

I leaned back in the seat and closed my eyes. I hadn't slept well, but the brief time I had spent in a horizontal position had allowed my muscles to tighten, and I ached all over.

"So, I discovered," I said. "Oh well, it's over now. Besides, I didn't do such a bad job of taking care of myself."

"The way I heard it, someone showed up to help bail you out," Edvick pointed out bluntly, "and even then it was touch and go. Don't kid yourself about it being over, though. You'd just better hope your luck holds the next time."

Suddenly, my aching muscles were no longer the main claim to my attention.

"Next time?" I said, sitting up straight. "What next time?"

"I don't want to sound pessimistic," the cabbie shrugged, "but I figure it's a given. Those guys you messed up are going to be back on the street today, and will probably devote a certain amount of their time and energy trying to find you for a rematch."

"You think so?"

"Then again, even if I'm wrong, the word is out that you're carrying a good sized wad around with you. That's going to make you fair game for every cheap hoodlum looking to pick up some quick cash."

I hadn't stopped to consider, it, but what Edvick was saying made sense. All I needed to make my mission more difficult was to have to be watching my back constantly at the same time!

"I'm sorry, what was that again?" I said, trying to concentrate on what the driver was saying.

"Huh? Oh, I was just sayin' again that what you should really do is hire a bodyguard... same as I've been sayin' right along."

He had been saying that all along, and Kalvin had agreed with him. I had poo-pooed the idea originally, but now I was forced to reexamine my stance on the matter. "Nnnnno," I said, finally, talking to myself. "I can't do it."

"Why not?" Edvick chimed in, adding his two cents to the argument drawing to a close in my mind.

"Well, the most overpowering reason is that I can't afford one."

The cabbie snorted.

"You've got to be kidding me. With the money you've got?"

"It may seem like a lot, but nearly all of it is already committed to you and the hotel."

The cab swerved dangerously as Edvick turned in his seat to stare at me.

"You mean that's all the money you have? You're carrying your whole bankroll?"

As upset as I was, that thought made me laugh. "Not hardly," I said. "The trouble is that most of my money is back on Deva. I only brought some of it along for pocket expenses. Unfortunately I badly underestimated what the prices would be like here, so I have to keep an eye on my expenses."

"Oh, that's no problem," the cabbie retorted, turning his attention to the road again. "Just open a line of credit here."

"Do what?"

"Talk to a bank and borrow what you need against your assets. That's how I came up with the money for this cab... not to mention my other ventures. Sheese! If everybody tried to operate on a cash basis, it would ruin the dimension's economy!"

"I don't know," I hesitated. "Nobody on this dimension really knows me. Do you really think a bank would be willing to trust me with a loan?"

"There's only one way to find out," Edvick shrugged. "Tell you what... there's a branch of my bank not far from here. Why don't you pop in and talk to them. You might be surprised."

The bank itself was not particularly imposing; a medium sized storefront with a row of teller windows and a few scattered desks. Some doors in the back wall presumably led to offices and the vault, but they were painted assorted bright colors and in themselves did not appear particularly ominous. Still, I realized I felt no small degree of nervousness as I surveyed the interior. There were small clues here and there which bespoke a seriousness which belied the studied casualness of the decor. Little things, like the machines mounted high in the corners which constantly swept the room as if monitoring the movements of both tellers and customers. The tellers themselves were secure behind high panes of innocent-looking glass, doing business through an ingenious slot and drawer arrangement at each station. An observant person such as myself, however, could not help but notice that if the degree of distortion were any indication, the glass was much thicker than it might first appear. There were also armed guards scattered around the room draped with an array of weapons which did not look at all ceremonial or decorative. There was a great deal of money here, and an equally great effort was being made to be sure no one decided to simply help themselves to the surplus.

I had a hunch the kind of business I had in mind would not be handled over the counter by a teller, and, sure enough when I inquired, I was ushered immediately through one of the brightly painted doors into a private office.

The individual facing me across the desk rose and extended a hand in greeting as I entered. He was impeccably dressed in a business suit of what could only be called a conservative cut... particularly for a Pervect, and he oozed a sincere warmth that bordered on oily. Green scales and yellow eyes notwithstanding, he reminded me of Grimble, the Chancellor of the Exchequer I had feuded with back at Possiltum. I wondered briefly if this was common with professional money guardians, everywhere... maybe it was something in a ledger paper. If so, it boded ill for my dealing today... Grimble and I never really got along.

"Come in, come in," the individual purred. "Please, have a seat Mister... ?"

"Skeeve," I said, sinking into the indicated chair. "And it's just ‘Skeeve,' not Mr. Skeeve."

I had never been wild about the formality of "Mister" title, and after having it hissed at me by the police the night before, I was developing a positive aversion to it.

"Of course, of course," he nodded, reseating himself. "My name is Malcolm."

Perhaps it was his similarity to Grimble, but I was finding his habit of repeating himself to be a growing annoyance. I reminded myself that I was trying to court his favor and made an effort to shake the feeling off.

"... And how can we be of service to you today?"

"Well, Malcolm, I'm a businessman visiting here on Perv," I said, aware as I spoke that I was unconsciously falling into a formal speech pattern. "My expenses have been running a bit higher than I anticipated, and frankly my ready cash supply is lower than I find comfortable. Someone suggested that I might open a line of credit with your bank, so I stopped in to see if there was any possibility we might work something out."

"I see."

He ran his eyes over me, and much of the warmth went out of the room. I was suddenly acutely aware of how I was dressed.

After overdressing for my interview with the Butterfly, I had decided to stick with my normal, comfortable, informal appearance. I had anticipated that bankers would be more conservative than financiers, and that a bank would probably be equipped to detect disguise spells, so it would be wisest if I was as open and honest as possible. Courtesy of a crash course by Bunny, my administrative assistant, on how to dress, my wardrobe was nothing to be embarrassed about, but I probably didn't look like most of the businessmen Malcolm was used to dealing with. His visual assessment of me reminded me of the once-over I would get when encountering a policeman... only more so. I had a feeling the banker could tell me how much money I had in my pockets down to the loose change.

"What line of work did you say you were in. Mister Skeeve?"

I noted that the "Mister" had reappeared, but wasn't up to arguing over it.

"I'm a magician... Well, actually I'm the president of an association of magicians... a corporation." I managed to stop there before I started babbling. I've noticed a tendency in myself to run on when I'm nervous.

"... And the name of your corporation?"

"Urn... M.Y.T.H. Inc."

He jotted the information down on a small notepad.

"Your home offices are on Klah?"

"No. We operate out of Deva... At the Bazaar." He glanced up at me with his eyebrows raised, then caught himself and regained his composure.

"Would you happen to know what bank you deal with on Deva?"

"Bank? I mean, not really. Aahz and Bunny... our financial section usually handles that end of the business." Any hope I had of a credit line went out the window. I didn't know for sure we did any banking. Aahz was a stickler for keeping our funds readily available. I couldn't imagine a bank wanting to deal with someone who didn't trust banks, or to take my word for what our cash holdings were... even if I knew what they were.

The banker was studying his notes.

"Of course you understand, we'll have to run a check on this."

I started to rise. At this point all I wanted was out of his office.

"Certainly," I said, trying to maintain a modicum of poise. "How long will that take, just so I'll know when to contact you again?"

Malcolm waved a casual hand at me as he turned to a keyboard at the side of his desk.

"Oh, it won't take any time at all. I'll just use the computer to take a quick peek. I should have an answer in a couple of seconds."

I couldn't make up my mind whether to be astonished or concerned. Astonished won out.

"... But my office is on Deva," I said, repeating myself unnecessarily.

"Quite right," the banker responded absently as he hammered busily on the keys. "Fortunately, computers and cats can see and work right through dimensional barriers. The trick is to get them to do it when you want them to instead of when they feel like it."

Of the assorted thoughts which whirled in my mind at this news, only one stood out.

"Do the police have computers?"

"Not of this quality or capacity." He favored me with a smug, tight-lipped smile. "Civil services don't have access to the same financial resources that banks do... Ah! Here we go."

He leaned forward and squinted at the computer's screen, which I couldn't see from where I sat. I wondered if it was coincidence that the view was blocked from the visitor's chair, then decided it was a silly question. "Impressive. Very impressive indeed." He shot a glance at me. "Might I ask who handles your portfolio?"

"My portfolio? I'm not an artist. I'm a magician... like I told you."

"An artist. That's a good one, Skeeve... you don't mind if I call you Skeeve, do you?" The banker laughed as if we shared a mutual joke. "I meant your portfolio of stocks and investments."

His original warmth had returned... and then some. Whatever he had seen on the screen had definitely improved his opinion of me.

"Oh. That would be Bunny. She's my administrative assistant."

"I hope you pay her well. Otherwise some other outfit might be tempted to swoop down and hire her away from you."

From his tone, I could make a pretty good guess as to which outfit might be interested in doing just that.

"Among other things, she holds stock in our operation." I said pointedly.

"Of course, of course. Just a thought. Well Mis... Skeeve, I'm sure we can provide you with adequate financial support during your stay on Perv. What's more I hope you'll keep us in mind should you ever want to open an office here and need to open a local account." Pervects have an exceptional number of teeth, and Malcolm seemed determined to show all of his to me without missing a syllable. I was starting to get impressed myself. I had known our operation was doing well, but had never stopped to assess exactly how well. If the banker's reaction was an accurate gauge, however, we must have been doing very well indeed!

"If you'll give me just a moment here, Skeeve," he said, lunging out of his seat and heading for the door, "I'll get the staff started while we fill out the necessary paperwork. We should be able to have some imprinted checks and one of our special, solid gold credit cards ready for you before you leave."

"Hold it, Malcolm!"

Things were suddenly starting to move uncomfortably fast, and I wanted a bit of clarification before they went much further.

The banker stopped as if he had hit the end of an invisible leash.

"Yes?"

"As you can probably tell, I'm not as at home with financial terms as I should be. Would you mind defining ‘ adequate financial support' to me... in layman' s terms?"

The smile vanished as he licked his lips nervously. "Well," he said, "we should be able to cover your day-to day needs, but if you were to require substantial backing...say, over seven figures, we'd probably appreciate a day's warning."

Seven figures! He was saying the bank was ready to supply me with up to ten million... more if I gave them warning. I resolved that when I got back to the office, I was going to have to have Bunny go over our exact financial condition with me!

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