The porter grew impatient. "You must go to the second floor. 'Second floor,' " he said, this time in English. "You're expected. Please, sir."

But Nick did not hear a word. His back remained to the open door, his eyes staring blindly ahead. He struggled to fit the separate images together, to bind them into a finished portrait. He recalled the powerful feelings of awe and pride and fear he'd experienced when in his father's company, but nothing more. His memories remained incomplete and somehow disjointed, wanting for some essential fabric that he did not possess.

"Young man, are you all right?" the porter asked.

Nick spun to face him, banishing the disconcerting images from his mind. "I'm fine," he said. "Just fine."

The porter placed a foot into the elevator. "You're sure you are ready to begin work today?"

Nick raised his chin and fought the porter's inquisitive stare. "Yes," he said gravely, giving an imperceptible nod of his head. "I've been ready for a long time."

Offering an apologetic smile, he let the elevator door close and pressed the button for the second floor.

"Marco Cerruti is ill. Out with some virus or bug, who knows what," explained a tall, sandy-haired executive well on the downslope to forty, who was waiting for Nick on the second-floor landing. "Probably the lousy water in that part of the world- Middle East, that is. The Fertile Crescent: that's our territory. Believe it or not, we bankers did not give it that name."

Nick stepped out of the elevator and offering the required smile, introduced himself.

"Course, you're Neumann. Who else would I be waiting for?" The sandy-haired man thrust out his hand and gave a vigorous shake. "I'm Peter Sprecher. Don't let the accent fool you. I'm Swiss as William Tell. Did my schooling in England. Still know the words to 'God Save the Queen.' " He pulled at an expensive cuff and winked. "Old man Cerruti is just back from his Christmas run. I call it his yearly Crusade: Cairo, Riyadh, Dubai, and then off to points unknown- probably a sunny port where he can work on his tan while the rest of us back at head office wilt. Guess it didn't work out as planned. Word's come down he'll be out at least a week. The bad news is you're with me."

Nick listened to the rambling outpouring of information, doing his best to digest it all. "And the good news?"

But Peter Sprecher had disappeared down a narrow corridor. "Ah, yes, the good news," he called over his shoulder. "Well, the good news is that there is a mountain of work to be done. We're a bit shorthanded at the moment, so you won't be sitting on your duff reading a sackful of annual reports. We're sending you out into the blue, pronto."

"Into the blue?"

Sprecher stopped at a closed door on the left-hand side of the hallway. "Clients, chum. We have to put somebody's pretty mug in front of our trusting customers. You look like an honest type. Got all your teeth, do you? Should be able to fool them."

"Today?" Nick asked, ruffled.

"No, not today," Sprecher answered, grinning. "The bank usually likes to provide a little training. You can count on at least a month to learn the ropes." He leaned on the handle and opened the door. He walked inside the small meeting room and tossed the manila envelope he'd been carrying onto the conference table. "Take a seat," he said, flinging himself into one of the quilted leather chairs. "Make yourself at home."

Nick pulled out a chair and sat across the table from his new boss. His momentary panic settled, giving way to the usual vague unease that accompanied his arrival at a new post. But he recognized a new sensation, too- a stubborn disbelief that he was actually there.

You're in, Nick told himself in the admonishing tone that had belonged to his father. Keep your mouth closed and your ears open. Become one of them.

Peter Sprecher pulled a sheaf of papers from the envelope. "Your life in four lines, single spaced. Says here you're from Los Angeles."

"I grew up there, but I haven't called it home for a while."

"Ah, Sodom and Gomorrah rolled into one. Love the place, myself." Sprecher shook loose a Marlboro and offered the pack to Nick, who declined. "Didn't figure you for a tobacco fiend. You look fit enough to run a damned marathon. Some advice? Calm down, boy. You're in Switzerland. Slow and steady, that's our motto. Remember that."

"I'll keep it in mind."

"Liar," Sprecher laughed. "I can see you've got a bee buzzing about your bonnet. Sit too damn straight. That will be Cerruti's problem, not mine." He lowered his head and puffed on his cigarette while studying the new employee's papers. "Marine, eh? An officer. That explains it."

"Four years," said Nick. He was trying hard to sit more casually- drop a shoulder, maybe slouch a little. It wasn't easy.

"What d'ya do?"

"Infantry. I had a reconnaissance platoon. Half the time we trained. The other half we floated around the Pacific waiting for a crisis to flare up so that we could put our training to use. We never did." That was the company line, and he'd been sworn to keep it.

"Says here you worked in New York. Four months only. What happened?"

Nick kept his answer brief. When lying, he knew it best to stay within the shadow of the truth. "It wasn't what I had expected. I didn't feel at home there, at work or in the city."

"So you decided to seek your fortune abroad?"

"I've lived in the States my whole life. One day I realized that it was time for something new. Once I made the decision, I got out as quickly as I could."

"Wish I'd had the guts to do something like that. Alas, for me it's too late." Sprecher exhaled a cloud of smoke toward the ceiling. "Been here before?"

"To the bank?"

"To Switzerland. Someone in your family is Swiss, isn't he? Hard to pick up a passport any other way."

"It's been a long time," said Nick, purposely keeping his answer oblique. Seventeen years, actually. He'd been eleven, and his father had brought him inside this same building. It had been a social visit, the great Alex Neumann poking his head into the offices of his former colleagues, exchanging a few words before presenting little Nicholas as if he were an exotic trophy from a far-off land. "The passport comes from my father's side. We spoke Swiss-German together at home."

"Did you? How quaint." Sprecher stubbed out his cigarette and brought his chair closer to the table so that he sat directly facing Nick. "Enough small talk, then. Welcome to the United Swiss Bank, Mr. Neumann. You've been assigned to Finanz Kundenberatung, Abteilung 4. Financial Client Management, section 4. Our small family deals with private individuals from the Middle East and southern Europe, that is Italy, Greece, and Turkey. Right now we handle approximately seven hundred accounts with assets totaling over two billion U.S. dollars. In the end that's still the only currency worth a damn.

"Most of our clients are individuals who hold numbered accounts with the bank. You might see their names penciled somewhere inside their files. Penciled, mind you. Erasable. They are to remain officially anonymous. We don't keep permanent records regarding their identity in the office. That information is kept in DZ, Dokumentation Zentrale. Stalag 17, we call it." Sprecher wagged a long finger at Nick. "Several of our more important clients are known only to the top brass of the bank. Keep it that way. Any inclination you may have about getting to know them personally had better stop now. Understood?"

"Understood," said Nick. The help does not mix with the guests.

"Here's the drill: A client will call, give you his account number, probably want to know his cash balance or the value of the stocks in his portfolio. Before you give out any information, confirm his or her identity. All our clients have code words to identify themselves. Ask for it. Maybe ask their birthday on top of that. Makes them feel secure. But that's as far as your curiosity runs. If a client wants to transfer fifty thousand deutsche marks a week to an account in Palermo, you say, 'Prego, Signore. Con gusto.' If he insists on sending monthly cash wires to a dozen John Does at a dozen different banks in Washington, D.C., you say, 'Of course, sir. It's my pleasure.' Where our clients' money comes from and what they choose to do with it are entirely their own business."