Coins And Notes Quotes

All things have a value. Sometimes the value is paid in coin. Other times, it is paid in time and sweat. And finally, sometimes it is paid in blood. Humanity seems most eager to use this latter currency. And we never note how much of it we’re spending, unless it happens to be our own.

I thought we were the good guys,” he said, and it had that note of a child who finally realizes that sometimes good and evil aren’t so much opposites, as two sides of a coin. You toss it one way, and it looks good, another way, and it’s evil. Sometimes it just depends on which end of the gun you’re on.

Since at least the Great Depression, we’ve been hearing warnings that automation was or was about to be throwing millions out of work—Keynes at the time coined the term “technological unemployment,” and many assumed the mass unemployment of the 1930s was just a sign of things to come—and while this might make it seem such claims have always been somewhat alarmist, what this book suggests is that the opposite was the case. They were entirely accurate. Automation did, in fact, lead to mass unemployment. We have simply stopped the gap by adding dummy jobs that are effectively made up. A combination of political pressure from both right and left, a deeply held popular feeling that paid employment alone can make one a full moral person, and finally, a fear on the part of the upper classes, already noted by George Orwell in 1933, of what the laboring masses might get up to if they had too much leisure on their hands, has ensured that whatever the underlying reality, when it comes to official unemployment figures in wealthy countries, the needle should never jump too far from the range of 3 to 8 percent. But if one eliminates bullshit jobs from the picture, and the real jobs that only exist to support them, one could say that the catastrophe predicted in the 1930s really did happen. Upward of 50 percent to 60 percent of the population has, in fact, been thrown out of work.

Money is not the first step to becoming a great achiever. Your ideas determine the cost you will need to pay. So if you have no ideas, you can't know the amount you will need!

Banks are allowed to loan $10 for every dollar they actually possess, which means that 90 per cent of all the money in our bank accounts is not covered by actual coins and notes.

So ardent did he sing, each note might carry a breath of his life. People passing stopped to hear. And seeing them gathered, he stumbled among them with his hat held out. It was easy to credit the truth of his song, that his dim old eyes, they once had shone, that his heart, once cheerful, had been bro-o-ken. Two coins chinkled in his hat. And so it was when nights were still and sleep had yet to bind him, round him shone that other light, fondly to remind him.

When she had arranged her household affairs, she came to the library and bade me follow her. Then, with the mirror still swinging against her knees, she led me through the garden and the wilderness down to a misty wood. It being autumn, the trees were tinted gloriously in dusky bars of colouring. The rowan, with his amber leaves and scarlet berries, stood before the brown black-spotted sycamore; the silver beech flaunted his golden coins against my poverty; firs, green and fawn-hued, slumbered in hazy gossamer. No bird carolled, although the sun was hot. Marina noted the absence of sound, and without prelude of any kind began to sing from the ballad of the Witch Mother: about the nine enchanted knots, and the trouble-comb in the lady's knotted hair, and the master-kid that ran beneath her couch. Every drop of my blood froze in dread, for whilst she sang her face took on the majesty of one who traffics with infernal powers. As the shade of the trees fell over her, and we passed intermittently out of the light, I saw that her eyes glittered like rings of sapphires. ("The Basilisk")

All other swindlers upon earth are nothing to the self-swindlers, and with such pretences did I cheat myself. Surely a curious thing. That I should innocently take a bad half-crown of somebody else's manufacture, is reasonable enough; but that I should knowingly reckon the spurious coin of my own make, as good money! An obliging stranger, under pretence of compactly folding up my bank-notes for security's sake, abstracts the notes and gives me nutshells; but what is his sleight of hand to mine, when I fold up my own nutsells and pass them on myself as notes!

A lark began to sing in the tree above her. Dortchen opened her eyes and looked up. It was such a small, plain, grey thing, yet its song was so full of joy. She could see its breast swell, its thin throat tremble. It lifted its wings, as if seeking to draw more air into its lungs. Song-notes were flung into the air, like golden coins thrown by a generous hand. All the lark's strength was poured into its music, all its joy. Dortchen took a deep breath, so deep that she felt her lungs expand and the muscles of her chest crack. She wanted to live like the lark did, filled with rapture. She stood up, looking up at the bird through the sunlit leaves. It flung its wings wide and soared away into the sky. She wanted to fly with it.

The evening's light, silvery, casts its dull brightness onto the trees--trees gelid in this blue light of winter. But whiteness dominates with the pines and evergreens steeped in vibrant grades of silver. I hear notes in the mist, like silvery chattering, coins in a pocket, the jangle of keys.

The smell of cigarette smoke in the air in a tavern that changes names often, a bar cursed because of a girl who died of a drug overdose in the basement, we put a few coins in the jukebox; chose “Angel Band” by Johnny Cash and sat down at the bar, ordered a soda, you wanted a whiskey on the rocks. We saw the coal miner who moved here from West Virginia knocking back liquor like I drink sweet tea. No one asked why he was so solemn today. It was warm. It was relatively quiet. To anyone else, this place could feel sinister. But to us, it was freedom. It was a hiding place. No one was ever here long enough to know us. And we liked it that way.

The chief duty of the National Government in connection with the currency of the country is to coin money and declare its value. Grave doubts have been entertained whether Congress is authorized by the Constitution to make any form of paper money legal tender. The present issue of United States notes has been sustained by the necessities of war; but such paper should depend for its value and currency upon its convenience in use and its prompt redemption in coin at the will of the holder, and not upon its compulsory circulation. These notes are not money, but promises to pay money.

Famously, the trick to good writing is bleeding onto the page. I picture the male writer who coined this phrase, sitting at his typewriter, the blank sheet before him. What kind of blood did he imagine? Blood from a vein in his arm? Or a leg? Perhaps a head wound? Presumably it was not blood from a cervix. I have so much of this blood, this period blood, this pregnancy blood, this miscarriage blood, this not-pregnant-again blood, this perimenopausal blood. It just keeps coming and I just keep soaking it up. Stuffing bleached cotton into my vagina to stem the flow, padding my underwear, sticking on the night pads ‘with wings’, hoping not to leak on some man’s sheets, or rip off too much pubic hair with the extra-secure adhesive strips. Covering up with ‘period pants’, those unloved dingy underwear choices pulled out from the bank of the drawer every month. And all along, I was wrong. I should have been sitting down at my desk and spilling it across the page, a shocking red to fill the white.

A few years ago, in an essay in Nature, the Nobel Prize–winning Dutch chemist Paul Crutzen coined a term. No longer, he wrote, should we think of ourselves as living in the Holocene. Instead, an epoch unlike any of those which preceded it had begun. This new age was defined by one creature—man—who had become so dominant that he was capable of altering the planet on a geological scale. Crutzen dubbed this age the “Anthropocene.

Annabelle…” His mouth drifted along her throat. “I’ve wanted you since the first moment I saw you standing outside that panorama, digging for coins in your purse. I couldn’t take my eyes from you. I could hardly believe you were real.” “You stared at me for the entire show,” she said, gasping a little as he nibbled at the silken lobe of her ear. “I doubt you learned a single thing about the fall of the Roman Empire.” “I learned that you have the softest lips I’ve ever kissed.” “You have a novel way of introducing yourself.” “I couldn’t help it.” His hand skimmed gently up and down her side. “Standing next to you in the darkness was the most unholy temptation I’d ever experienced. All I could think about was how adorable you were and how much I wanted you. When the lights went out completely, I couldn’t stand it any longer.” A note of masculine smugness entered his voice as he added, “And you didn’t push me away.” “I was too surprised!” “That was the reason you didn’t object?” “No,” Annabelle admitted, tilting her face so that her cheek brushed against his. “I liked your kiss. You know that I did.” He smiled at that. -Annabelle & Simon

Sunday night is my personal weekly Halloween. I walk along slowly and drag my fingertips along the bars of chocolate. Goddamn, you sexy little squares. Dark, milk, white, I do not discriminate. I eat it all. Those fluorescent sour candies that only obnoxious little boys like. I suck candy apples clean. If an envelope seal is sweet, I’ll lick it twice. Growing up, I was that kid who would easily get lured into a van with the promise of a lollipop. Sometimes, I let the retail seduction last for twenty minutes, ignoring Marco and feeling up the merchandise, but I’m so tired of male voices. “Five bags of marshmallows,” Marco says in a resigned tone. “Wine. And a can of cat food.” “Cat food is low carb.” He makes no move to scan anything, so I scan each item myself and unroll a few notes from my tips. “Your job involves selling things. Sell them. Change, please.” “I just don’t know why you do this to yourself.” Marco looks at the register with a moral dilemma in his eyes. “Every week you come and do this.” He hesitates and looks over his shoulder where his sugar book sits under a layer of dust. He knows not to try to slip it into my bag with my purchases. “I don’t know why you care, dude. Just serve me. I don’t need your help.” He’s not entirely wrong about my being an addict. I would lick a line of icing sugar off this counter right now if no one were around. I would walk into a cane plantation and bite right in... “Give me my change or I swear to God …” I squeeze my eyes shut and try to tamp down my temper. “Just treat me like any other customer.” He gives me a few coins’ change and bags my sweet, spongy drugs.

Citizens may recoil from paying for the news, he noted, because they see it as a natural right. But in the absence of consumer coin, the media must be fueled by advertisers seeking consumers and investors pursuing profit. Novelty and drama pay to keep the presses rolling, and so the “news” that supposedly informs reason becomes the dog wagged by its own tail.

So the Germans looked down at the crowd of kids around their knees: all the village children were there, fascinated by the uniforms, the horses, the high boots. However loudly their mothers called them, they wouldn't listen. They furtively touched the heavy material of the soldiers' jackets with their dirty fingers. The Germans beckoned to them and filled their hands with sweets and coins. It felt like a normal, peaceful Sunday. The Germans added a strange note to the scene, but the essential remained unchanged, thought Lucile.

He attacked Oriati Mbo with all his powers. Schools to seduce the young. Banks to issue loans, loans to put Oriati into debt, debt to give him an excuse to seize their land and property. He built toll roads and canals for exclusive trade. He gave his allies inoculations against disease. He brutalized the Oriati currencies with counterfeiting and debasement, flooding their continent with fake money so they would turn to the stable, reliable Falcresti fiat note as their trade coin. It was precisely how he captured Taranoke. It failed utterly.

Look,let me give you the CliffNotes: You're a bitch in this life and Daniel doesn't care.Shocker! He courts you for a few weeks,there's some exchanging of flowers.A big kiss and then kaboom. Okay? Not much more to see." "You don't understand." "What? I don't understand that Victorians are as stuffy as an attic and as boring as watching wallpaper peel? Come on,if you're going to zigzag through your past,make it count. Let's hit some highlights. Luce didn't budge. "Is there a way to make you disappear?" "Do I have to stuff you in this Announcer like a cat in a suitcase? Let's move!" "I need to see that he loves me, not just some idea of me because of some curse that he's bound to.I need to feel like there's something stronger keeping us together. Something real." Bill took a seat next to Luce on the grass. Then he seemed to think better of it and actually crawled onto her lap. At first,she wanted to swat him, and the flies buzzing around his head,but when he looked up at her,his eyes appeared sincere. "Honey,Daniel loving the real you is the last thing you should be worried about. You're freaking soul mates. You two coined the phrase. You don't have to stick around here to see that.It's in every life.

As data analytics, superfast computers, digital technology, and other breakthroughs enabled by science play a bigger and bigger role in informing medical decision-making, science has carved out a new and powerful role as the steadfast partner of the business of medicine—which is also enjoying a new day in the sun. It may surprise some people to learn that the business of medicine is not a twenty-first-century invention. Health care has always been a business, as far back as the days when Hippocrates and his peers practiced medicine. Whether it was three goats, a gold coin, or a bank note, some type of payment was typically exchanged for medical services, and institutions of government or learning funded research. However, since the 1970s, business has been the major force directing the practice of medicine. Together, the business and science of medicine are the new kids on the block—the bright, shiny new things. Ideally, as I’ve suggested, the art, science, and business of medicine would work together in a harmonious partnership, each upholding the other and contributing all it has to offer to the whole. And sometimes (as we’ll find in later chapters) this partnership works well. When it does, the results are magnificent for patients and doctors, not to mention for scientists and investors.

Probably the first book that Hamilton absorbed was Malachy Postlethwayt’s Universal Dictionary of Trade and Commerce, a learned almanac of politics, economics, and geography that was crammed with articles about taxes, public debt, money, and banking. The dictionary took the form of two ponderous, folio-sized volumes, and it is touching to think of young Hamilton lugging them through the chaos of war. Hamilton would praise Postlethwayt as one of “the ablest masters of political arithmetic.” A proponent of manufacturing, Postlethwayt gave the aide-de-camp a glimpse of a mixed economy in which government would both steer business activity and free individual energies. In the pay book one can see the future treasury wizard mastering the rudiments of finance. “When you can get more of foreign coin, [the] coin for your native exchange is said to be high and the reverse low,” Hamilton noted. He also stocked his mind with basic information about the world: “The continent of Europe is 2600 miles long and 2800 miles broad”; “Prague is the principal city of Bohemia, the principal part of the commerce of which is carried on by the Jews.” He recorded tables from Postlethwayt showing infant-mortality rates, population growth, foreign-exchange rates, trade balances, and the total economic output of assorted nations.

But whether I’m on deck or below it, I’ll never be far.” “Shall I take that as a promise? Or a threat?” She sauntered toward him, hands cocked on her hips in an attitude of provocation. His eyes swept her body, washing her with angry heat. She noted the subtle tensing of his shoulders, the frayed edge of his breath. Even exhausted and hurt, he still wanted her. For a moment, Sophia felt hope flicker to life inside her. Enough for them both. And then, with the work of an instant, he quashed it all. Gray stepped back. He gave a loose shrug and a lazy half-smile. If I don’t care about you, his look said, you can’t possibly hurt me. “Take it however you wish.” “Oh no, you don’t. Don’t you try that move with me.” With trembling fingers, she began unbuttoning her gown. “What the devil are you doing? You think you can just hike up your shift and make-“ “Don’t get excited.” She stripped the bodice down her arms, then set to work unlacing her stays. “I’m merely settling a score. I can’t stand to be in your debt a moment longer.” Soon she was down to her chemise and plucking coins from the purse tucked between her breasts. One, two, three, four, five… “There,” she said, casing the sovereigns on the table. “Six pounds, and”-she fished out a crown-“ten shillings. You owe me the two.” He held up open palms. “Well, I’m afraid I have no coin on me. You’ll have to trust me for it.” “I wouldn’t trust you for anything. Not even two shillings.” He glared at her a moment, then turned on his heel and exited the cabin, banging the door shut behind him. Sophia stared at it, wondering whether she dared stomp after him with her bodice hanging loose around her hips. Before she could act on the obvious affirmative, he stormed back in. “Here.” A pair of coins clattered to the table. “Two shillings. And”-he drew his other hand from behind his back-“your two leaves of paper. I don’t want to be in your debt, either.” The ivory sheets fluttered as he released them. One drifted to the floor. Sophia tugged a banknote from her bosom and threw it on the growing pile. To her annoyance, it made no noise and had correspondingly little dramatic value. In compensation, she raised her voice. “Buy yourself some new boots. Damn you.” “While we’re settling scores, you owe me twenty-odd nights of undisturbed sleep.” “Oh, no,” she said, shaking her head. “We’re even on that regard.” She paused, glaring a hole in his forehead, debating just how hateful she would make this. Very. “You took my innocence,” she said coldly-and completely unfairly, because they both knew she’d given it freely enough. “Yes, and I’d like my jaded sensibilities restored, but there’s no use wishing after rainbows, now is there?” He had a point there. “I suppose we’re squared away then.” “I suppose we are.” “There’s nothing else I owe you?” His eyes were ice. “Not a thing.” But there is, she wanted to shout. I still owe you the truth, if only you’d care enough to ask for it. If only you cared enough for me, to want to know. But he didn’t. He reached for the door. “Wait,” he said. “There is one last thing.” Sophia’s heart pounded as he reached into his breast pocket and withdrew a scrap of white fabric. “There,” he said, unceremoniously casting it atop the pile of coins and notes and paper. “I’m bloody tired of carrying that around.” And then he was gone, leaving Sophia to wrap her arms over her half-naked chest and stare numbly at what he’d discarded. A lace-trimmed handkerchief, embroidered with a neat S.H.

The kids helped keep me together as well. One day they came in from playing after dinner, and I told them I was just completely exhausted by work and everything else. I said I’d take a shower as soon as I finished up; then we’d read and get ready for bed. They warmed up some towels in the dryer while I was showering and had them waiting for me when I was done. They made some hot coffee--not really understanding that coffee before bed isn’t the best strategy. But it was just the way I like it, and waiting on the bed stand. They turned down the bedcovers and even fluffed my pillows. Most of the time, their gifts are unintentional. Angel recently decided that, since the Tooth Fairy is so nice, someone should be nice to her. My daughter wrote a little note and left it under her pillow with some coins and her tooth. Right? The Tooth Fairy was very taken with that, and wrote a note back. “I’m not allowed to take money from the children I visit,” she wrote. “But I was so grateful. Thank you.” Then there was the time the kids were rummaging through one of Chris’s closets and discovered the Christmas Elf. Now everyone knows that the Christmas Elf only appears on Christmas Eve. He stays for a short while as part of holiday cheer, then magically disappears for the rest of the year. “What was he doing here!” they said, very concerned, as they brought the little elf to me. “And in Daddy’s closet!” I called on the special brain cells parents get when they give birth. “He must have missed Daddy so much that he got special permission to come down and hang out in his stuff. I wonder how long he’ll be with us?” Just until I could find another hiding place, of course. What? Evidence that Santa Claus doesn’t exist, you say? Keep it to yourself. In this house, we believe.

McDougall was a certified revolutionary hero, while the Scottish-born cashier, the punctilious and corpulent William Seton, was a Loyalist who had spent the war in the city. In a striking show of bipartisan unity, the most vociferous Sons of Liberty—Marinus Willett, Isaac Sears, and John Lamb—appended their names to the bank’s petition for a state charter. As a triple power at the new bank—a director, the author of its constitution, and its attorney—Hamilton straddled a critical nexus of economic power. One of Hamilton’s motivations in backing the bank was to introduce order into the manic universe of American currency. By the end of the Revolution, it took $167 in continental dollars to buy one dollar’s worth of gold and silver. This worthless currency had been superseded by new paper currency, but the states also issued bills, and large batches of New Jersey and Pennsylvania paper swamped Manhattan. Shopkeepers had to be veritable mathematical wizards to figure out the fluctuating values of the varied bills and coins in circulation. Congress adopted the dollar as the official monetary unit in 1785, but for many years New York shopkeepers still quoted prices in pounds, shillings, and pence. The city was awash with strange foreign coins bearing exotic names: Spanish doubloons, British and French guineas, Prussian carolines, Portuguese moidores. To make matters worse, exchange rates differed from state to state. Hamilton hoped that the Bank of New York would counter all this chaos by issuing its own notes and also listing the current exchange rates for the miscellaneous currencies. Many Americans still regarded banking as a black, unfathomable art, and it was anathema to upstate populists. The Bank of New York was denounced by some as the cat’s-paw of British capitalists. Hamilton’s petition to the state legislature for a bank charter was denied for seven years, as Governor George Clinton succumbed to the prejudices of his agricultural constituents who thought the bank would give preferential treatment to merchants and shut out farmers. Clinton distrusted corporations as shady plots against the populace, foreshadowing the Jeffersonian revulsion against Hamilton’s economic programs. The upshot was that in June 1784 the Bank of New York opened as a private bank without a charter. It occupied the Walton mansion on St. George’s Square (now Pearl Street), a three-story building of yellow brick and brown trim, and three years later it relocated to Hanover Square. It was to house the personal bank accounts of both Alexander Hamilton and John Jay and prove one of Hamilton’s most durable monuments, becoming the oldest stock traded on the New York Stock Exchange.

ONCE, a youth went to see a wise man, and said to him: “I have come seeking advice, for I am tormented by feelings of worthlessness and no longer wish to live. Everyone tells me that I am a failure and a fool. I beg you, Master, help me!” The wise man glanced at the youth, and answered hurriedly: “Forgive me, but I am very busy right now and cannot help you. There is one urgent matter in particular which I need to attend to...”—and here he stopped, for a moment, thinking, then added: “But if you agree to help me, I will happily return the favor.” “Of...of course, Master!” muttered the youth, noting bitterly that yet again his concerns had been dismissed as unimportant. “Good,” said the wise man, and took off a small ring with a beautiful gem from his finger. “Take my horse and go to the market square! I urgently need to sell this ring in order to pay off a debt. Try to get a decent price for it, and do not settle for anything less than one gold coin! Go right now, and come back as quick as you can!” The youth took the ring and galloped off. When he arrived at the market square, he showed it to the various traders, who at first examined it with close interest. But no sooner had they heard that it would sell only in exchange for gold than they completely lost interest. Some of the traders laughed openly at the boy; others simply turned away. Only one aged merchant was decent enough to explain to him that a gold coin was too high a price to pay for such a ring, and that he was more likely to be offered only copper, or at best, possibly silver. When he heard these words, the youth became very upset, for he remembered the old man’s instruction not to accept anything less than gold. Having already gone through the whole market looking for a buyer among hundreds of people, he saddled the horse and set off. Feeling thoroughly depressed by his failure, he returned to see the wise man. “Master, I was unable to carry out your request,” he said. “At best I would have been able to get a couple of silver coins, but you told me not to agree to anything less than gold! But they told me that this ring is not worth that much.” “That’s a very important point, my boy!” the wise man responded. “Before trying to sell a ring, it would not be a bad idea to establish how valuable it really is! And who can do that better than a jeweler? Ride over to him and find out what his price is. Only do not sell it to him, regardless of what he offers you! Instead, come back to me straightaway.” The young man once more leapt up on to the horse and set off to see the jeweler. The latter examined the ring through a magnifying glass for a long time, then weighed it on a set of tiny scales. Finally, he turned to the youth and said: “Tell your master that right now I cannot give him more than 58 gold coins for it. But if he gives me some time, I will buy the ring for 70.” “70 gold coins?!” exclaimed the youth. He laughed, thanked the jeweler and rushed back at full speed to the wise man. When the latter heard the story from the now animated youth, he told him: “Remember, my boy, that you are like this ring. Precious, and unique! And only a real expert can appreciate your true value. So why are you wasting your time wandering through the market and heeding the opinion of any old fool?

Jobs and Wozniak had no personal assets, but Wayne (who worried about a global financial Armageddon) kept gold coins hidden in his mattress. Because they had structured Apple as a simple partnership rather than a corporation, the partners would be personally liable for the debts, and Wayne was afraid potential creditors would go after him. So he returned to the Santa Clara County office just eleven days later with a “statement of withdrawal” and an amendment to the partnership agreement. “By virtue of a re-assessment of understandings by and between all parties,” it began, “Wayne shall hereinafter cease to function in the status of ‘Partner.’” It noted that in payment for his 10% of the company, he received $800, and shortly afterward $1,500 more. Had he stayed on and kept his 10% stake, at the end of 2012 it would have been worth approximately $54 billion. Instead he was then living alone in a small home in Pahrump, Nevada, where he played the penny slot machines and lived off his social security check. He later claimed he had no regrets. “I made the best decision for me at the time. Both of them were real whirlwinds, and I knew my stomach and it wasn’t ready for such a ride.

The Obstacles That Lie Before Us There is an old Zen story about a king whose people had grown soft and entitled. Dissatisfied with this state of affairs, he hoped to teach them a lesson. His plan was simple: He would place a large boulder in the middle of the main road, completely blocking entry into the city. He would then hide nearby and observe their reactions. How would they respond? Would they band together to remove it? Or would they get discouraged, quit, and return home? With growing disappointment, the king watched as subject after subject came to this impediment and turned away. Or, at best, tried halfheartedly before giving up. Many openly complained or cursed the king or fortune or bemoaned the inconvenience, but none managed to do anything about it. After several days, a lone peasant came along on his way into town. He did not turn away. Instead he strained and strained, trying to push it out of the way. Then an idea came to him: He scrambled into the nearby woods to find something he could use for leverage. Finally, he returned with a large branch he had crafted into a lever and deployed it to dislodge the massive rock from the road. Beneath the rock were a purse of gold coins and a note from the king, which said: “The obstacle in the path becomes the path. Never forget, within every obstacle is an opportunity to improve our condition.” What holds you back?

The captain? Sophia stood staring numbly after him. Had he just said he’d introduce her to the captain? Of someone else was the captain, then who on earth was this man? One thing was clear. Whoever he was, he had her trunks. And he was walking away. Cursing under her breath, Sophia picked up her skirts and trotted after him, dodging boatmen and barrels and coils of tarred rope as she pursued him down the quay. A forest of tall masts loomed overhead, striping the dock with shadow. Breathless, she regained his side just as he neared the dock’s edge. “But…aren’t you Captain Grayson?” “I,” he said, pitching her smaller trunk into a waiting rowboat, “am Mr. Grayson, owner of the Aphrodite and principle investor in her cargo.” The owner. Well, that was some relief. The tavern-keeper must have been confused. The porter deposited her larger truck alongside the first, and Mr. Grayson dismissed him with a word and a coin. He plunked one polished Hessian on the rowboat’s seat and shifted his weight to it, straddling the gap between boat and dock. Hand outstretched, he beckoned her with an impatient twitch of his fingers. “Miss Turner?” Sophia inched closer to the dock’s edge and reached one gloved hand toward his, considering how best to board the bobbing craft without losing her dignity overboard. The moment her fingers grazed his palm, his grin tightened over her hand. He pulled swiftly, wrenching her feet from the dock and a gasp from her throat. A moment of weightlessness-and then she was aboard. Somehow his arm had whipped around her waist, binding her to his solid chest. He released her just as quickly, but a lilt of the rowboat pitched Sophia back into his arms. “Steady there,” he murmured through a small smile. “I have you.” A sudden gust of wind absconded with his hat. He took no notice, but Sophia did. She noticed everything. Never in her life had she felt so acutely aware. Her nerves were draw taut as harp strings, and her senses hummed. The man radiated heat. From exertion, most likely. Or perhaps from a sheer surplus of simmering male vigor. The air around them was cold, but he was hot. And as he held her tight against his chest, Sophia felt that delicious, enticing heat burn through every layer of her clothing-cloak, gown, stays, chemise, petticoat, stockings, drawers-igniting desire in her belly. And sparking a flare of alarm. This was a precarious position indeed. The further her torso melted into his, the more certainly he would detect her secret: the cold, hard bundle of notes and coin lashed beneath her stays. She pushed away from him, dropping onto the seat and crossing her arms over her chest. Behind him, the breeze dropped his hat into a foamy eddy. He still hadn’t noticed its loss. What he noticed was her gesture of modesty, and he gave her a patronizing smile. “Don’t concern yourself, Miss Turner. You’ve nothing in there I haven’t seen before.” Just for that, she would not tell him. Farewell, hat.