Philadelphia

FRIDAY, FEBRUARY 21--- 8:OO A.M.

Tracy Whitney stepped out of the lobby of her apartment building into a gray, sleety rain that fell impartially on sleek limousines driven down Market Street by uniformed chauffeurs, and on the abandoned and boarded-up houses huddled together in the slums of North Philadelphia. The rain washed the limousines clean and made sodden messes of the garbage piled high in front of the neglected row houses. Tracy Whitney was on her way to work. Her pace was brisk as she walked east on Chestnut Street toward the bank, and it was all she could do to keep from singing aloud. She wore a bright-yellow raincoat, boots, and a yellow rain hat that barely contained a mass of shining chestnut hair. She was in her mid-twenties, with a lively, intelligent face, a full, sensuous mouth, sparkling eyes that could change from a soft moss green to a dark jade in moments, and a trim, athletic figure. Her skin ran the gamut from a translucent white to a deep rose, depending on whether she was angry, tired, or excited. Her mother had once told her, "Honestly, child, sometimes I don't recognize you. You've got all the colors of the wind in you."

Now, as Tracy walked down the street, people turned to smile, envying the happiness that shone on her face. She smiled back at them.

It's indecent for anyone to be this happy, Tracy Whitney thought. I'm marrying the man I love, and I'm going to have his baby. What more could anyone ask?

As Tracy approached the bank, she glanced at her watch. Eight-twenty. The doors of the Philadelphia Trust and Fidelity Bank would not be open to employees for another ten minutes, but Clarence Desmond, the bank's senior vice-president in charge of the international department, was already turning off the outside alarm and opening the door. Tracy enjoyed watching the morning ritual. She stood in the rain, waiting, as Desmond entered the bank and locked the door behind him.