The Cromwell National Bank had withstood the earthquake nearly unscathed. The unyielding stone structure had lived up to Cromwell’s boast that it would last a thousand years. None of the walls or the great fluted columns had fallen. The only apparent damage was the shattered stained-glass windows, whose shards turned the sidewalk around the bank into a kaleidoscope of colors.

Abner pulled the Rolls to a stop and opened the rear door. Several bank employees were milling around the front entrance, having come to work out of habit, not knowing how else to deal with the tragic interruption of their lives. Cromwell got out and was only halfway up the steps when they surrounded him, all talking at once, bombarding him with questions. He held up his hands for silence and reassured them: “Please, please, go home and stay with your families. You can do nothing here. I promise your salaries will continue to be paid until this terrible calamity has ended and normal business can resume.”

It was an empty promise. Not only did Cromwell have no intention of continuing their salaries while the bank was shut down; he could see that the flames sweeping through the business district of the city were only a few hours away from consuming the bank building. Though the walls were stone and unyielding, the wooden roof beams were highly susceptible to fire, which would quickly gut the building to an empty shell.

As soon as his employees were walking away from the bank, Cromwell took a set of large brass keys from his coat pocket and unlocked the massive bronze front door.

He didn’t bother to lock it after him, knowing the fire soon would consume any records inside. He headed straight for the vault. The time lock was set to engage the combination at eight o’clock. It was now seven forty-five. Cromwell calmly walked over to a leather chair at the loan officer’s desk, brushed off the dust, sat down, and produced a cigar from a case in his breast pocket.

Feeling as if he were in full command of the situation, he leaned back, lit the cigar, and blew a cloud of blue smoke toward the ornate ceiling of the lobby. The earthquake, he thought, could not have come at a more-opportune time. He might lose a few million, but the insurance would cover any damage to the bank building itself. His competitors tied up their assets in loans, but Cromwell always kept his assets in cash and invested on paper. Once it became known he had fled town, bank examiners would land on the Cromwell National Bank like vultures. With luck, his depositors might get ten cents on their invested dollar.