“The directors of the Hudson River Bank of New York prefer to deal in cash. As you know from our correspondence, we are going to open branch banks throughout the West in towns that we think have potential for growth. We feel it is expedient to have currency on hand when we open our doors.”

Cardoza looked at Ruskin somberly. “I hope your directors do not intend to open a competing bank in Salt Lake City.”

Ruskin grinned and shook his head. “Phoenix, Arizona, and Reno, Nevada, are the first of the Hudson River branch banks to open in the West.”

Cardoza looked relieved. “Phoenix and Reno are certainly booming.”

“Ever have a bank robbery in Salt Lake?” Ruskin asked casually while looking at the vault.

Cardoza looked at him quizzically. “Not in this city. The citizens would not allow it.

Salt Lake is one of the most crime-free cities in the country. The Latter-Day Saints are upstanding and religious people. Trust me, Mr. Ruskin, no bandit would dare to attempt a robbery of this bank. Your money will be absolutely and one hundred percent safe once it’s locked up in our vault.”

“I’ve read of some fellow called the Butcher Bandit who robs and murders throughout the western states.”

“Not to worry, he only strikes in small mining towns and robs payrolls. He wouldn’t be stupid enough to try robbing a bank in a city the size of Salt Lake. He wouldn’t get past the city limits before the police shot him down.”

Ruskin nodded toward the vault. “Very impressive repository.”

“The very finest vault west of the Mississippi, built especially for us in Philadelphia,” Ruskin said proudly. “An entire regiment armed with cannons couldn’t break inside.”

“I see it is open during business hours?”

“And why not. Our customers enjoy seeing how well their deposits are protected.

And as I’ve mentioned, no bank has ever been robbed in Salt Lake City.”

“What is your slowest time of day?”

Cardoza looked puzzled. “Slowest time of day?”

“When you have the least customer transactions?”

“Between one-thirty and two o’clock is our slowest time. Most of our customers have gone back to their offices after their lunch hour. And, because we close at three, a number of customers come in for late transactions. Why do you ask?”

“Just curious as to how the traffic compares with our bank in New York, which seems to be about the same.” He patted the suitcase. “I’ll leave the money in the case and pick it up tomorrow.”

“We’ll close shortly, but I’ll have my head clerk count it first thing in the morning.”

Cardoza pulled open a drawer of his desk, retrieved a leather book, and wrote out a deposit slip for the half-million dollars. He handed it to Ruskin, who inserted it into a large wallet he carried in the breast pocket of his coat.

“May I ask a favor?” Ruskin inquired.

“Certainly. Anything you wish.”

“I would like to be on hand when your clerk does the count.”