at Townsend and King Streets, where its cargo of railroad cars would be taken to the city railyard between Third and Seventh Streets. There, the O’Brian Furniture Company car would be switched to the siding of a warehouse the bandit owned in the city’s industrial section.

Ruskin had ridden on the San Gabriel many times on his trips across the bay and looked forward to returning home after his venture in Salt Lake City. A great whoop echoed around the Mole from the boat’s steam whistle as it announced her departure. She began to tremble when the tall walking-beam engines turned the big twenty-seven-foot paddle wheels that churned the water. Soon the boat was riding the glass-smooth bay toward San Francisco, no more than twenty minutes away.

Ruskin quickly finished dressing in an exactingly tailored conservative black business suit. A small yellow rose went in the buttonhole. He sat a derby hat on his head at a rakish angle and pulled a pair of suede gloves over his hands. He picked up his cane.

Then he bent down and gripped the handle to the trapdoor in the floor of the freight car and swung it open. He dropped a large, heavy suitcase through the opening. Then he slowly lowered himself to the deck between the rails, careful not to soil his clothes. Hunched down under the car, he made certain none of the crew were within view as he moved away and straightened up.

Ruskin was headed up a stairway to the cabin deck where the passengers rode when, halfway up, he met a crewman coming down. The crewman stopped and nodded at him, a serious expression on his face.

“Are you aware, sir, that passengers are not allowed on the main deck?”

“Yes, I’m aware.” The bandit smiled. “I realized my mistake, and, as you see, I was turning around to return to the cabin deck.”

“Sorry to have troubled you, sir.”

“Not at all. It’s your duty.”

The bandit proceeded up the stairs and stepped into the ornate, highly decorated cabin deck where the passengers crossed the bay in style. He went into the restaurant and ordered a cup of tea at the stand-up bar, then walked outside onto the open forward deck and sipped as he watched the buildings of San Francisco grow larger across the bay.

The City by the Bay was already becoming a fascinating, romantic, cosmopolitan city. It had risen in stature since 1900, establishing itself as the financial and merchandising hub of the West. It was built on the foresight of entrepreneurs much like the meticulously dressed man standing on the deck with the huge suitcase. He, like they, saw an opportunity and moved quickly to seize it.

Not one for niceties, Ruskin finished his tea and then threw the cup overboard, not returning it to the restaurant. He idly watched a thick flight of sandpipers fly past the boat, followed by a trio of brown pelicans gliding inches above the water in search of small fish. Then, mingling with the throng, he moved down the forward stairway to the main deck, where the passengers disembarked the ferry onto the pier in front of the big, ornate, Spanish-style Southern Pacific terminus.