or family restaurant than three million dollars to help transform a vast Wyoming cattle ranch into an upscale vacation resort. He was well aware that he would never have been given the opportunity to participate in Ron’s latest real estate venture if not for the fact that his older sister happened to be Ron’s wife.
Adam was honest enough to admit that there were certain ironies involved in authorizing this loan to his brother-in-law. He’d taken over the presidency of the bank from his great-uncle fifteen months ago, a few days after his thirty-first birthday. He recognized that he’d been given the job chiefly because of his name and heritage and was considered a foolish whippersnapper by a significant minority of the board. He’d spent a lot of the past year persuading managers and shareholders that the First Bank of Fairfax was only going to survive if they stopped making loans to friends and relatives and started making loans to entrepreneurs with a decent business plan. Adam hadn’t counted on the fact that the most exciting business plan to cross his desk would come from his brother-in-law.
“Here are the latest architectural drawings for the Flying W project,” Ron said, pushing a stack of papers across Adam’s desk. “Thought you’d like to see them, just to keep abreast of what’s going on. And here are some photos I took myself of the precise area where we’re going to build the lodge. We can look at the plans in more detail over lunch, and you’ll see how we’re going to use the Silver River to define the footprint of the main lodge. As I mentioned before, the river’s perfect for fly fishing.”
“And makes for great views, too, for the visitors who don’t care to fish.” Adam picked up a picture of the river, foaming with white water, from the many calendar-worthy snapshots Ron had spread out on the desk. “Damn, but this is beautiful country.”
“Between the river and the Tetons, I’d say we’re going to wow the tourists. This is a can’t-fail project, in my opinion.”
“I agree. The development potential of this location is fantastic.”
Ron pulled a face. “Fact is, the ranching operation should have been shut down years ago, but I’ve been too busy to take care of the arrangements. To be honest, I don’t get back to Wyoming as often as I should.”
“You’ve always said that your ranch manager is excellent. That must make it easier to keep everything ticking.”
“You’re exactly right.” Ron nodded reflectively. “If the Flying W ranch manager hadn’t been so good, I’d have been forced to move forward with the redevelopment years ago.”
“Has your manager found a new job? Ranching isn’t exactly a growing industry these days.”
“He’s going to be fine.” Ron didn’t elaborate on the fate of his ranch manager. “Anyway, you’ll be pleased to hear I’ve had no trouble raising the rest of the capital we need to fully fund the project. I anticipate that we’ll be breaking ground within the next couple of weeks. Unfortunately, the building season isn’t long, but I’m optimistic that we’ll have at least the main building under roof before winter sets in.”
Adam stacked the photos into a neat pile. “I’m delighted that the First Bank of Fairfax can share in the development of the resort and I appreciate your willingness to include us among your investors. I’m convinced that, over the next decade, luxury accommodation with access to surrounding wilderness will become more and more popular as a vacation destination.”
“You’re singing my song,” Ron said. “I’m real happy to have this chance to work with you, Adam. Hope it’s the first venture among many. You have the paperwork on the loan ready to go, I take it?”
“Yes, I have everything waiting for you to sign.” Adam twisted the file folder around on his desk.
Ron held up his elegant Mont Blanc pen. “If you have the papers, I have the pen.” He put on a pair of reading glasses and flipped through the five double-spaced pages, skimming. “I assume this is a duplicate of the agreement you couriered to me last week?”
“Yes. The only changes are the two you suggested.” Adam referred to his notes. “They’re both on page three. We’ve substituted the revised wording you requested regarding precisely when and how the loan can be called.” He smiled. “As long as you don’t die, we’re being very generous.”
“Give me a minute to check through this one more time.” Ron hadn’t turned an inheritance of a hardscrabble ranch and less than fifty thousand dollars into a fortune of several million by being careless about the documents he signed.
He read in silence for ten full minutes, concentrating fiercely, and then glanced up, his friendly expression returning. “Everything looks to be in order.” He extracted another sheet of paper from his briefcase and pushed it across the desk. “Here are the instructions as to where you should wire the three million. You’ll see that I’ve provided you with both my personal account number and the wire-routing number for my bank.”
“Thanks.” Adam slipped the instruction sheet into the Flying W Development loan file. “The funds will be transferred Monday, and they’ll be available immediately. Let me call in our notary public and we’ll get these documents signed.” Adam pressed his intercom button and spoke to his assistant. “Gayle, could you step into my office to witness Mr. Raven’s signature, please?”
Gayle Tummins came into the office in less than thirty seconds, her official record book tucked under her arm. Ron initialed each page of the loan agreement in triplicate, signing with a flourish. Adam added his signature to each copy and Gayle completed the formalities with her notary seal, her license number and her own signature.
Ron thanked the clerk and then turned to Adam with a big smile. “Okay, now that’s taken care of, we can move on to the fun stuff. Let’s go to the Oak Room and order ourselves a couple of prime steaks and some honest-to-God, artery-clogging French fries.”
Adam reached for his sunglasses. “Sounds like a great plan to me. Shall we walk? It’s less than three blocks and it’s not too hot today.”
“Lead the way, since you’re the man who knows where we’re going.” Ron was happy to let Adam precede him. He needed a few seconds to conceal the adrenaline rush that always accompanied a successful scam. Not that this was a scam, exactly. He fully intended to pay back the money, as soon as Las Criandas started to generate some profits and he had access to funds that wouldn’t be scrutinized either in Chicago or Wyoming. It was damn annoying to have so much money and not to be able to access any of it when you really needed to. He should never have taken on Paul Fairfax as his partner. True, the guy was a moron—which helped—but even a moron would notice three million bucks missing from the partnership accounts.
Ron followed Adam across the marble-floored bank lobby, giving a friendly nod to various clerks and tellers, his amiable expression concealing the intensity of his focus. He always tried to create the impression that he’d succeeded in business more by good luck and fortunate friendships than because of a sky-high IQ and a bone-deep instinct for profitable deals. He was not in the least averse to having his brother-in-law underestimate him. Adam Fairfax was acquiring quite a reputation in Atlanta banking circles as an outstanding manager and a fine, intuitive judge of character. In Ron’s opinion, Adam was the smart one in his family. Paul was all showmanship and no brains. Adam, it seemed, was going to be a very different sort of businessman—which wasn’t good news, from Ron’s point of view. He had to make sure there wasn’t a single note in his pitch that was off-key. God forbid if Adam should ever become suspicious. Lately, there’d been altogether too much suspicion going around.
Ron always appreciated the feeling of power
