I told Art to try to set the appointment for two today—that I’d call back at eleven to check on the time. As I left I could hear Mr. Contreras upbraiding him for talking so rudely to me. It sent me southward with my only laugh of the day.

My parents had banked at Ironworkers Savings & Loan. My mother had opened my first savings account for me there when I was ten so I could stash stray quarters and baby-sitting earnings against the college education she long had promised me. In my memory it remained an imposing, gilt-covered palace.

When I walked up to the grimy stone building at Ninety-third and Commercial, it seemed to have shrunk so with the years that I checked the name over the entrance to make sure I was at the right place. The vaulted ceiling, which had awed me as a child, now seemed merely grubby. Instead of having to stand on tiptoe to peer into the teller’s cage, I towered over the acned young woman behind the counter.

She didn’t know anything about the bank’s annual report, but she directed me indifferently to an officer in the back. The glib story I’d prepared to explain why I wanted it proved unnecessary. The middle-aged man who spoke to me was only too glad to find someone interested in a decaying savings and loan. He talked to me at length about the strong ethical values of the community, where people did everything to keep their little homes in order, and how the bank itself renegotiated loans for its longtime customers when hard times hit them.

“We don’t have an annual report of the kind you’re used to examining, since we’re privately owned,” he concluded. “But you can look at our year-end statements if you want.”

“It’s really the names of your board I’d like to see,” I told him.

“Of course.” He rummaged in a drawer and pulled out a stack of papers. “You’re sure you don’t want to inspect the statements? If you were thinking of investing, I can assure you we are in extremely sound condition despite the death of the mills down here.”

If I’d had a few thousand to spare, I would have felt obligated to give it to the bank to cover my embarrassment. As it was I muttered something noncommittal and took the directors list from him. It held thirteen names, but I knew only one of them: Gustav Humboldt.

Oh, yes, my informant told me proudly, Mr. Humboldt had agreed to become a director back in the forties when he first started doing business down here. Even now that his company had become one of the largest in the world and he was a director of a dozen Fortune 500 companies, he still stayed on the Ironworkers board.

“Mr. Humboldt has missed only eight meetings in the last fifteen years,” he finished.

I murmured something that could be taken for extravagant awe at the great man’s dedication. The picture was becoming tolerably clear to me. There was some problem with the insurance on the work force at the Xerxes plant that Humboldt was determined not come to light. I couldn’t see what that had to do with the lawsuit or the deaths of Ferraro and Pankowski. But maybe Chigwell knew what the actuarial data I’d found meant—perhaps that was what his medical notebooks would reveal. That part didn’t bother me too much. It was Humboldt’s personal role that both scared and angered me. I was tired of being jerked around by him. It was time to beard him directly. I extricated myself from the Ironworkers’ hopeful officer and headed for the Loop.