At precisely eight, the vault mechanism made a chiming sound as the locks clicked off one by one. Cromwell walked over to the vault and turned the huge wheel, which had spokes like a ship’s helm, turned it, and released the bars from their shafts.

Then he pulled the giant door open on its gigantic well-oiled hinges as easily as if it were attached to a kitchen cupboard and entered.

It took him two hours to finish loading four million dollars in large-denomination gold certificate bills into five large leather trunks. Abner arrived, after hiding the body of the policeman under the collapsed floor of a hardware store, and carried the trunks out to the Rolls. Cromwell was always impressed with the Irishman’s brute strength. He himself could barely lift one end of a filled trunk off the floor, but Abner hoisted it onto one shoulder with barely a grunt.

The Rolls was parked in the underground freight entrance used by armored trucks and wagons that delivered currency or coins from the nearby San Francisco Mint.

Cromwell helped Abner load the trunks in the spacious rear compartment before covering them with blankets he’d brought from his mansion. Under the blankets, he placed cushions from the chairs in the lobby of the bank, positioning them so that it looked as if they were dead bodies.

Cromwell went back inside and left the vault door open so the contents would be destroyed. Then he walked out and climbed in the open driver’s section of the Rolls and sat beside Abner. “Drive to our warehouse at the railyard,” he instructed.

“We’ll have to detour to the north docks and come around behind the fires if we want to reach the railyard,” said Abner, shifting the car into first gear. As he skirted the huge fire consuming Chinatown, he headed toward Black Point, to the north. Already, wooden buildings were disintegrating into beds of smoldering ashes as broken chimneys stood like blackened tombstones.

Some streets were clear enough to drive through, Abner avoiding those that were impassable because they were buried under collapsed walls. The Rolls was stopped twice by police, demanding the car be used as an ambulance, but Cromwell merely pointed to the makeshift bodies under the blankets and said they were on their way to the morgue. The police duly stepped back and waved them on.

Abner had to weave his way around crowds of refugees from the burned-out areas, carrying their meager belongings. There was no panic; people moved slowly, as if they were out for a Sunday stroll. There was little conversation, and few looked back at what had been their homes before the calamity.