‘I warned her. Her friends warned her, saying that if she listened to that rogue again, they would disown her. But Aubretia cared nothing for anyone but him. And he, speaking so nobly, said he would not let her family think her a fool. Howarth would not marry her while he was penniless. A fortune was still within his grasp. If only he had enough money, he could recoup his losses and go on.’

‘How could that be?’ I demanded.

‘An excellent question. One that your grandmother never asked, or at least not directly. He implied all sorts of things. That a bribe to a tariff official would free up a seized shipment, that it he were seen to be successful, others would lend him the money to complete some transaction. He spoke so skillfully and knowingly of how one must have money and spend money in order to make money.’

A terrible sadness welled up in me. How often had I heard my mother lament our poor circumstances and wish for better days, only to have Grandmother say, ‘But it is hopeless, my dear. One must have money in order to make money.’

‘She went to her grave believing that was so’ I said.

The pendant was silent for a moment. Then it gave a tiny sigh. ‘I feared as much. For of course you have guessed the rest of the story. Aubretia sold all she had and gave him the money to redeem his fortune. When she dared to ask to go with him, he said that her passage south would cost too much, and the hardships would be too much for her to endure. That ring you wear once held an emerald, flawless and deep green. Even that he took. Howarth pried the stone out of the setting himself, saying he would sell the stone in Jamaillia only if he had to, but that he hoped to bring it back and restore it to her hand. He promised her that, no matter how he fared, he would come back within a year. She watched him sail from the Bingtown docks. Then she went to her oldest friend and confessed her situation.