Frank Master loved his wife. They’d been married six years now, and they had two children. If her body was a little fuller than when they’d married, he thought it suited her very well. And she was kind. Hetty Master’s religion was simple, warm and practical. She tried to help people whenever she could. He suspected that she secretly felt that the Lord was directing her acts of charity, but rather than say that, she’d just remark that she felt the business in hand was fated. He’d also noticed that, from time to time, she was capable of giving fate a nudge.

When it came to running the household, however, Hetty was not quite so easy-going. A few months before their wedding, Frank’s father Weston had died, and they’d begun their married life together with his mother, in the big family house. It had lasted four months. After that, Hetty had gently told him that she and his mother couldn’t both run the household, and so they’d better be moving. That very day, as it happened, she’d heard about a house that was available. “I do believe,” she’d said firmly, “that it’s fated.” So that was that. They’d moved to Gramercy Park.

If Frank was determined to interview this Irish girl, he didn’t press the point at once. It was better, he’d learned, to play for time. So he changed the subject.

“Look at these maps, Hetty,” he said, “and tell me what you think.” The reason why he needed the whole table was that the maps covered a territory that ran all the way up the Hudson, from New York to Albany. “The Hudson River Railroad,” he said with satisfaction. “The northern sections are all complete. Before long it’ll reach us here.”

Hetty obligingly gazed at the maps, and smiled. “That’ll teach the damn Yankees,” she remarked.

George Washington might have called John Master a Yankee, but in the last generation a distinction had grown up. One might speak of Connecticut Yankees, and Boston was certainly Yankee, but the New York men liked to think of themselves as different. Taking the name of the fictitious author of Washington Irving’s delightful mock history of the city, they’d started calling themselves Knickerbockers. Of course, there were plenty of Connecticut Yankees, and Boston men too, among the merchants of New York, but the genial distinction was still made. And when it came to any rivalry between New York and Boston, then the Boston men, sure as hell, were damn Yankees.

It wasn’t too often that the Boston Yankees got the better of New York. The Knickerbocker merchants had managed to bring most of the Southern cotton trade through their port; more of the swift China trade clippers left from New York than anywhere else, many of them built on the East River too. So maybe a touch of arrogance had blinded the Knickerbockers to the fact that the Boston men, seeing all the trade coming across from the Midwest by the Erie Canal, had built a rail line across to Albany, to carry goods swiftly to Boston instead of down the Hudson to New York.