Hester felt obliged to interject. “We know what his family says of his business interests and conduct. I am acquainted with his daughter. But their view cannot help but be biased. What was his reputation in the City?”

“You speak very plainly, Mrs. Monk.” Boyd turned his gaze to her, and she knew instantly that he remarked it in respect, not disapproval, although the faint ghost of humor was still there in his eyes. She found herself liking him. Had she been in Margaret’s place, and had she not already met Oliver Rathbone, she might have been acutely uncomfortable at being so foisted upon this man, rather than having him choose her for himself. She believed closer acquaintance with him might prove a great pleasure.

“I do,” she agreed. “The matter does not allow for misunderstandings. I apologize if it offends you.” She knew it did not. “I am afraid nursing has blunted the edges of my good manners.” Suddenly she smiled at him fully. “That is a euphemism. I never had any.”

“Then I shall follow your example, Mrs. Monk,” he replied with a very slight bending of his head, almost like a bow, his eyes dancing. “Nolan Baltimore was a man with great ambitions who took extraordinary chances in order to achieve them. He had courage and imagination, both of which were admired.” He was watching her as he spoke, weighing what she made of his remarks.

“And . . .” she prompted him.

He acknowledged her understanding. “And some of his risks paid fairly well; others did not. He managed to survive rather better than some of his friends. He was not noted for his loyalty.”

“In general?” Hester asked. “Or in particular?”

“I had no dealings with him myself.”

She knew his tact was for Courtney, not for her. He expected her to understand his omissions as much as his words.

“From choice?” she said quickly.

“Yes.” He smiled at her.

“Could any of his . . . chances . . . have taken him to Leather Lane?” she asked.

“Dubious finance?” His eyes widened. “It is not impossible. If one needs money and the usual services are not available, one goes elsewhere. A short-term loan that was to be paid off when an investment produced a high profit could be found in such a place. There is plenty of money in vice of one sort or another. People who come by it that way are often keen to invest it in a legitimate business.”

“Really . . . Boyd!” Courtney growled. “I don’t think this is the sort of thing to discuss in front of ladies!”

“If Mrs. Monk has been an army nurse, and now works in the Coldbath area, James, I doubt I can tell her anything that she does not already know better than I,” Boyd pointed out with more humor than annoyance.