“Far too late.”

“The thing is, Denise, there are so many things you can do with law. You can be a company president. You can be a judge! You can teach. You can be a journalist. There are so many directions Chip could go in.”

“Chip will do what he wants to do,” Alfred said. “I’ve never understood it, but he is not going to change now.”

He marched two blocks in the rain before he found a dial tone. At the first twin phone bank he came to, one instrument was castrated, with colored tassels at the end of its cord, and all that remained of the other was four bolt holes. The phone at the next intersection had chewing gum in its coin slot, and the line of its companion was completely dead. The standard way for a man in Chip’s position to vent his rage was to smash the handset on the box and leave the plastic shards in the gutter, but Chip was in too much of a hurry for this. At the corner of Fifth Avenue, he tried a phone that had a dial tone but did not respond when he touched the keypad and did not return his quarter when he hung up nicely or when he picked the handset up and slammed it down. The other phone had a dial tone and took his money, but a Baby Bell voice claimed not to understand what he’d dialed and did not return the money. He tried a second time and lost his last quarter.

He smiled at the SUVs crawling by in ready-to-brake bad-weather automotive postures. The doormen in this neighborhood hosed the sidewalks twice a day, and sanitation trucks with brushes like the mustaches of city cops scoured the streets three times a week, but in New York City you never had to go far to find filth and rage. A nearby street sign seemed to read Filth Avenue. Things cellular were killing public phones. But unlike Denise, who considered cell phones the vulgar accessories of vulgar people, and unlike Gary, who not only didn’t hate them but had bought one for each of his three boys, Chip hated cell phones mainly because he didn’t have one.

Under the scant protection of Denise’s umbrella, he crossed back to a deli on University Place. Brown cardboard had been laid over the scuff rug at the door for traction, but the cardboard was soaked and trampled, its shreds resembling washed-up kelp. Headlines in wire baskets by the door reported yesterday’s tanking of two more economies in South America and fresh plunges in key Far Eastern markets. Behind the cash register was a lottery poster: It’s not about winning. It’s about fun.™

With two of the four dollars in his wallet Chip bought some of the all-natural licorice that he liked. For his third dollar the deli clerk gave him four quarters in change. “I’ll take a Lucky Leprechaun, too,” Chip said.

The three-leaf clover, wooden harp, and pot of gold that he uncovered weren’t a winning, or fun, combination.

“Is there a pay phone around here that works?”

“No pay phone,” the clerk said.

“I’m saying, is there one close to here that works?”

“No pay phone!” The clerk reached under the counter and held up a cell phone. “This phone!”

“Can I make one quick call with that?”

“Too late for broker now. Should have call yesterday. Should have buy American.”

The clerk laughed in a way that was the more insulting for being good-humored. But then, Chip had reason to be sensitive. Since D—— College had fired him, the market capitalization of publicly traded U.S. companies had increased by thirty-five percent. In these same twenty-two months, Chip had liquidated a retirement fund, sold a good car, worked half-time at an eightieth-percentile wage, and still ended up on the brink of Chapter 11. These were years in America when it was nearly impossible not to make money, years when receptionists wrote MasterCard checks to their brokers at 13.9% APR and still cleared a profit, years of Buy, years of Call, and Chip had missed the boat. In his bones he knew that if he ever did sell “The Academy Purple,” the markets would all have peaked the week before and any money he invested he would lose.

Judging from Julia’s negative response to his script, the American economy was safe for a while yet.

Up the street, at the Cedar Tavern, he found a working pay phone. Years seemed to have passed since he’d had two drinks here the night before. He dialed Eden Procuro’s office and hung up when her voice mail kicked in, but the quarter had already dropped. Directory assistance had a residential listing for Doug O’Brien, and Doug actually answered, but he was changing a diaper. Several minutes passed before Chip was able to ask him if Eden had read the script yet.

“Phenomenal. Phenomenal-sounding project,” Doug said. “I think she had it with her when she went out.”

“Do you know where she went?”

“Chip, you know I can’t tell people where she is. You know that.”

“I think the situation qualifies as urgent.”

Please deposit—eighty cents—for the next—two minutes—

“My God, a pay phone,” Doug said. “Is that a pay phone?”

Chip fed the phone his last two quarters. “I need to get the script back before she reads it. There’s a correction I—”

“This isn’t about tits, is it? Eden said Julia had a problem with too many tits. I wouldn’t worry about that. Generally there’s no such thing as too many. Julia’s having a really intense week.”

Please deposit—an additional—thirty cents—now—

“you what,” Doug said.

for the next—two minutes—now—

“most obvious place you—”

or your call will be terminated—now—

“Doug?” Chip said. “Doug? I missed that.”

We’re sorry—

“Yeah, I’m here. I’m saying, why don’t you—”

Goodbye, the company voice said, and the phone went dead, the wasted quarters clanking in its gut. The text on its faceplate had Baby Bell coloration, but it read: ORFIC TELECOM, 3 MINUTES 25¢, EACH ADD’L MIN. 40¢.

The most obvious place to look for Eden was at her office in Tribeca. Chip stepped up to the bar wondering if the new bartender, a streaky blonde who looked like she might front the kind of band that played at proms, remembered him well enough from the night before to take his driver’s license as surety on a twenty-buck loan. She and two unrelated drinkers were watching murky football somewhere, Nittany Lion action, brown squiggling figures in a chalky pond. And near Chip’s arm, oh, not six inches away, was a nest of singles. Just lying there. He considered how a tacit transaction (pocketing the cash, never showing his face in here again, anonymously mailing reimbursement to the woman later) might be safer than asking for a loan: might be, indeed, the transgression that saved his sanity. He crumpled the cash into a ball and moved closer to the really rather pretty bartender, but the struggling brown round-headed men continued to hold her gaze, and so he turned and left the tavern.

In the back of a cab, watching the wet businesses drift by, he stuffed licorice into his mouth. If he couldn’t get Julia back, he wanted in the worst way to have sex with the bartender. Who looked about thirty-nine herself. He wanted to fill his hands with her smoky hair. He imagined that she lived in a rehabbed tenement on East Fifth, he imagined that she drank a beer at bedtime and slept in faded sleeveless tops and gym shorts, that her posture was weary, her navel unassumingly pierced, her pussy like a seasoned baseball glove, her toenails painted the plainest basic red. He wanted to feel her legs across his back, he wanted to hear the story of her forty-odd years. He wondered if she really might sing rock and roll at weddings and bar mitzvahs.

Through the window of the cab he read GAP ATHLETIC as GAL PATHETIC. He read Empire Realty as Vampire Reality.

He was half in love with a person he could never see again. He’d stolen nine dollars from a hardworking woman who enjoyed college football. Even if he went back later and reimbursed her and apologized, he would always be the man who ripped her off when her back was turned. She was gone from his life forever, he could never run his fingers through her hair, and it was not a good sign that this latest loss was making him hyperventilate. That he was too wrecked by pain to swallow more licorice.