issuers, having captured the hearts and loyalties of their customers well before they were of age to spend money or borrow with discretion. Since heâd been on the bankâs board, Captiva had sent out millions of âpreapprovedâ letters to college freshmen and the first-time employed. If such communications had come from a familiar performer rather than an impersonal financial institution, he suspected they might have yielded dramatically higher success rates.
Still, now that he recalled it, he remembered that something about that poster had stopped him in his tracks, as if the young movie star, with his fetching smile, his hair the color of butter and eyes the blue of Windex, might be more than an innocent object of affectionâindeed, might be likely to infect his granddaughter with unrealistic dreams.
âLook, Stuart, do me a favor, will you?â Billy asked. âTell Cynthia and Emily Iâm home.â
âSure,â Stuart said, and scrambled enthusiastically for the stairs.
âWhere are we going?â Emily inquired a few minutes later, examining her fingernails as she hugged her grandfather. She had painted them chartreuse two days before, and the enamel was beginning to crack.
âThe club,â Billy said.
âCanât we go to Paoloâs instead?â
âI thought you liked the club.â
âI do, but Paoloâs has the best musicâand the cutest waiters.â
âOnly in the summer,â Billy said. âTheir patioâs closed this time of year. You know that. And right now the guys who work out there are either in school or in Florida perfecting their tans.â
And getting laid,
he thought, although he did not say so.
âNever mind,â Cynthia said. âIâve had a wicked week. For that matter, Iâm sure your grandfather has as well. Weâd like to have a drink and some decent food and conversation, in peace and quiet.â
âIâll take your word for it,â Emily said.
âEnough,â Billy said, but quickly thought better of it and decided to relax. He did not want their holiday to dissolve into argument or sullenness. âLet me ask you a question, Emily,â he continued. âSuppose we go to Paoloâs another night.â
â
Not
on Christmas.â
âOf course not on Christmas. On Christmas weâll be here. When does your father get in, by the way?â
âChristmas Eve, I think,â Emily replied, searching her motherâs face for affirmation.
Cynthia nodded.
âHow about the day after Christmas?â Billy suggested, smiling reluctantly. Only yesterday she had been a little girl, uncritical, adoring. How could he help resenting the displacement of her affection to someone else, someone younger, an object of fantasies that were not platonic? Time was passing more quickly than heâd expected, that was all. And Emily, as had her mother so many years before, was simply going through another stage. There was nothing anyone could do but grin and see her through it, as theyâd seen her through her recent difficulties at school, in French and science classes. A girlâs sexual awakening was no easier to manage than a boyâs, he supposed, especially one as pretty as Emily promised to become.
âYes, yes, yes,â she said.
âThen thatâs settled,â Billy proclaimed, wondering, as he invariably didâas he couldnât help but doâhow genes could contrive to make siblings so different: one male, a future fullback and black, the other female, with a dancerâs delicate bones and the pinkest cheeks heâd ever seen.
At seven oâclock, after baths, they gathered in the living room before a fire.
âWould you like a drink?â Billy asked.
âIn fact, I think I would,â Cynthia said. âThe usual.â
He went to the bar built into a nook opposite the large bay windows, and made two Rob Roys, mixing