Banks the world over have arcane safety procedures, and the Philadelphia Trust and Fidelity Bank was no exception. The routine never varied, except for the security signal, which was changed every week. The signal that week was a half-lowered venetian blind, indicating to the employees waiting outside that a search was in progress to make certain that no intruders were concealed on the premises, waiting to hold the employees hostage. Clarence Desmond was checking the lavatories, storeroom, vault, and safe-deposit area. Only when he was fully satisfied that he was alone would the venetian blind be raised as a sign that all was well.

The senior bookkeeper was always the first of the employees to be admitted. He would take his place next to the emergency alarm until all the other employees were inside, then lock the door behind them.

Promptly at 8:30, Tracy Whitney entered the ornate lobby with her fellow workers, took off her raincoat, hat, and boots, and listened with secret amusement to the others complaining about the rainy weather.

"The damned wind carried away my umbrella," a teller complained. "I'm soaked."

"I passed two ducks swimming down Market Street," the head cashier joked.

"The weatherman says we can expect another week of this. I wish I was in Florida."

Tracy smiled and went to work. She was in charge of the cable-transfer department. Until recently, the transfer of money from one bank to another and from one country to another had been a slow, laborious process, requiring multiple forms to be filled out and dependent on national and international postal services. With the advent of computers, the situation had changed dramatically, and enormous amounts of money could be transferred instantaneously. It was Tracy's job to extract overnight transfers from the computer and to make computer transfers to other banks.