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  Copyright © 2016 by John Tracy Kidder

  All rights reserved.

  Published in the United States by Random House, an imprint and division of Penguin Random House LLC, New York.

  RANDOM HOUSE and the HOUSE colophon are registered trademarks of Penguin Random House LLC.

  Library of Congress Cataloging-in-Publication Data

  Names: Kidder, Tracy, author.

  Title: A truck full of money / Tracy Kidder.

  Description: First edition. | New York : Random House, [2016]

  Identifiers: LCCN 2015050454 | ISBN 9780812995244 (hardback) | ISBN 9780812995251 (ebook)

  Subjects: LCSH: English, Paul M., 1963– | Businesspeople—United States—Biography. | Internet industry—United States. | Information technology—United States. | Venture capital—United States. | Entrepreneurship—United States. | Wealth—United States. | BISAC: BIOGRAPHY & AUTOBIOGRAPHY / Science & Technology. | BUSINESS & ECONOMICS / E-Commerce / General (see also COMPUTERS / Electronic Commerce). | BIOGRAPHY & AUTOBIOGRAPHY / General.

  Classification: LCC HC102.5.E55 K53 2016 | DDC 338.7/610250691—dc23 LC record available at lccn.loc.gov/​2015050454

  ebook ISBN 9780812995251

  International edition ISBN 9780399589553

  ebook ISBN 9780812995251

  randomhousebooks.com

  Book design by Susan Turner, adapted for ebook

  Cover design: Pete Garceau

  v4.1

  ep

  Contents

  Cover

  Title Page

  Copyright

  Epigraph

  Author’s Note

  Password

  Part I: Fortunes

  Chapter 1

  Chapter 2

  Chapter 3

  Chapter 4

  Chapter 5

  Part II: The Fire

  Chapter 1

  Chapter 2

  Part III: A Small Universe

  Chapter 1

  Chapter 2

  Chapter 3

  Chapter 4

  Chapter 5

  Chapter 6

  Chapter 7

  Chapter 8

  Chapter 9

  Part IV: Apps

  Chapter 1

  Chapter 2

  Chapter 3

  Chapter 4

  Chapter 5

  Chapter 6

  Chapter 7

  Chapter 8

  Chapter 9

  Part V: The American

  Chapter 1

  Chapter 2

  Dedication

  Acknowledgments

  Selected Bibliography

  By Tracy Kidder

  About the Author

  Choose any American at random, and he should be a man of burning desires, enterprising, adventurous, and, above all, an innovator.

  —ALEXIS DE TOCQUEVILLE, Democracy in America

  AUTHOR’S NOTE

  In the early 1980s I wrote a book about a team of engineers who were building a new computer’s hardware. About thirty years later, I thought it would be interesting to look into the world of computing, and in particular the craft and business of making software. I knew Paul English only in his role as a philanthropist. I had never heard him speak about his day job, but I knew it had to do with software and that he was successful at it. So I asked him to show me around. After a while I began to feel that my guide should become my subject. What I actually said was: “Why don’t I write about you?”

  It was some time—months, I think—before he answered. I remember the moment well. He agreed, with a proviso that I had never heard before in my years as a reporter and writer.

  “You have to promise not to make me look better than I am,” he said.

  PASSWORD

  FALL 1976

  The man on the stage in the jacket and tie, the headmaster, invited the new seventh graders to look at the names that graced the walls around them. Paul and his classmates, 350 boys and girls, turned their faces upward. A band of surnames, painted in large black letters, ran along the summits of the auditorium’s impossibly high walls. These, the headmaster said, were great Americans who had come before them here, at the oldest public school in America, Boston Latin.

  Paul recognized some of the names on the frieze. Franklin, that would be Benjamin, and John Hancock and Samuel Adams and Joseph Kennedy. Knowing those names was just part of growing up in Boston. Paul loved music and played the piano and was learning the trumpet, and he knew that Bernstein must be Leonard. Some of the others sounded familiar, such as Emerson, and Paul gathered that all the rest were part of history, too: Santayana, Mather, Sumner, Brooks, and twenty more. And, said the headmaster, the new students should take note: One space had been left open up there in that pantheon. Maybe one of them would fill it someday.

  Paul was impressed, but as he gazed up, he noticed the lightbulbs in the distant ceiling and his eyes and thoughts were drawn to them. It wasn’t the kind of thing he talked about with his friends, but he always felt taken away by light and the play of light on surfaces. He could get through an entire boring sermon at St. Theresa’s by studying the hanging lamps and the shadows they threw. For a while he gazed up, thinking how hard it must be to replace those lightbulbs.

  The voice from the podium called him back. Over the next six years, one in three of them would flunk out, the headmaster said. They might be the top seventh graders in Boston, but this was a school where even the best had to work hard. And that meant homework, four to six hours of homework a night, said the headmaster.

  Paul stared at the man. In his mind, he spoke to him. Fuck you. I will never do homework.

  There were things he would do, though, because he wanted to do them. He tried out for the school band and made the cut, and he also decided to check out the Computer Club. It had a faculty adviser and, for a clubhouse, a windowless room down in the basement, equipped with six terminals. They looked like TVs. But they had keyboards in front of them, which meant you could tell these TVs what to do, and that made all the difference. Paul had never liked TV. He called it “the stupid box.” He would watch his father watching the evening news after a day at Boston Gas. His father would sit in his easy chair with his box of Cheez-Its and his Manhattan, looking at pictures of car crashes and murder victims. And Paul would wonder to himself why his dad would want to just sit and look at what somebody else wanted him to see, and listen to strangers tell him what he should buy.

  This past summer, at the Dedham Mall, Paul had discovered something much better than television, an arcade game called Pong. The machine looked like a TV but you could control what happened on its screen. You turned a knob and these vertical lines—they worked like paddles—moved up and down on the sides of the screen, intercepting the ball that moved across the screen. A computer was even more interesting, once he began to learn how to make use of one. This didn’t take long. The faculty adviser seemed like a smart guy, and it was easy for Paul to listen carefully to him, because he had information Paul wanted.

  Boston Latin possessed only one actual computer, called an IBM System/34. It was locked away in a room somewhere in the basement. A student couldn’t get near it. But you could communicate with it via the terminals in the Computer Club lab—“dumb terminals,” because they were merely conduits between you and the actual machine. You sat down and turned on one of the terminals—they were ranged along the concrete-block walls—and the screen came alive with this message, written in green letters against a black background:

  Please enter username _____­_____­__

  Please enter password _____­_____­__

  You used keys on the keyboard to move the cursor to the right spot on the screen. You typed in the letters of your username and password, and up
came a menu of things that you could tell the computer to do. It was like magic the first time this happened, like a picture appearing on the surface of the blank piece of paper that came out of his father’s Polaroid camera. But this happened faster, and when the menu appeared, it was just a beginning. You could program a computer to do any number of things.

  The instructor showed Paul and the other students how to begin to exercise this power. This computer’s customary language was called FORTRAN IV. Within a couple of sessions with the instructor, Paul knew the basics.

  In grade school, one of his friends had given him the nickname Speed. He chose Speed for his username in the computer room. Messing around down there was already much more fun than anything in any of his classes. And then one day early in the fall term he happened to be standing behind the computer teacher, and he saw the teacher’s menu appear on the terminal’s screen. Paul couldn’t make out the words on the list, but he could see that the teacher’s menu was much, much longer than the one that came up when a student logged in.

  Paul’s thoughts came fast and in a package. He has more commands than me, I need those commands, how do I get those commands?

  The ride home from school required two MBTA buses, the first to Forest Hills in Jamaica Plain and the second to West Roxbury, out on the southwestern border of Boston. It is a part of the city that didn’t feel like the city to Paul, especially not on his walk home from the bus stop. His street, Perham Street—“Per-ham” was how everyone said it—had asphalt sidewalks lined with maple trees and mostly small, wood-framed, two-story houses with gabled roofs and tidy patches of grass and front porches two or three lawn chairs wide. In these days of early fall, when the maples were on the verge of turning into flowers, the street after school was filled with kids and with joyful-sounding yells—games of street hockey, dodgeball, kick the can breaking out every few hundred feet. Paul loved walking down his street then, as if through a huge birthday party, full of different entertainments, which went on and on until the voices of mothers and older sisters began calling from the front porches, calling kids home to dinner.

  According to a story Paul had seen in The Boston Globe, the city’s most populous intersection was only a block away. All four houses on that corner contained eight kids or more. But he knew a lot of other houses just as crowded. There were seven kids in his. It was a small house, considering—one bathroom and three bedrooms for nine people. Paul and his next-older brother, Danny, slept in the attic. The house felt even smaller when his parents weren’t getting along. They didn’t yell or hit each other, but their silences were almost worse. And one of his brothers seemed always to be getting in trouble, and another seemed dark and brooding and unhappy. Paul was the sixth of the seven. His parents had told him it was his job to take care of his little sister. As his brother Danny would say, Paul beat the fuck out of the last kid who had picked on her. Paul was skinny but tall for his age, and lately he’d been getting into a lot of fights. Some were bruising draws, but he hadn’t lost one yet, and he always thought he would win because he was always angrier than the other kid. At home, however, he would look around the house and wonder, “Who’s angry today?” It was also his job to keep the peace. Not that anyone ever told him this. It just felt like his job.

  Mornings were hurried. His turn in the bathroom was fifteen minutes, starting at a quarter to six. Then it was out on his bike to deliver The Boston Globe, then onto the buses for school. Several thousand of the city’s twelve-year-olds had taken the admission test for Boston Latin last spring. Paul had scored eighth highest and felt surprised and irritated that seven others had done better. He had always been a quick study. It took him a night’s sleep and a morning’s thought on the buses to come up with a plan for stealing the computer teacher’s password.

  His solution was like a little true story that hadn’t happened yet. It went like this: The teacher sits down at a terminal in the Computer Club lab and doesn’t realize that a program has been loaded into it—Paul’s program, which produces on the screen not the real log-in but a nearly perfect fake. The unsuspecting teacher types his username and password into the fake log-in. Then he presses the Enter key, and Paul’s program tells the computer to send those lines of text to the printer, which prints out the teacher’s username and password. Paul retrieves that printout. Meanwhile, his program has already started covering its tracks. While the printer is still clacking across the room, Paul’s program tells the computer to send an error message to the teacher’s terminal. The teacher sees these words flash up on his screen: INCORRECT PASSWORD. PLEASE ENTER AGAIN. Finally, Paul’s program deletes itself from the central computer’s memory. Whereupon, automatically, the legitimate program takes over, the instructor’s screen goes black, and the real log-in message appears. All of this happens fast, and the teacher, in Paul’s story, doesn’t think anything untoward has happened. He assumes he made a mistake typing his password. He logs in again and goes about his business.

  It took Paul a few after-school sessions in the clubhouse to create the actual program. The job was complicated by the fact that when you turned off one of the terminals, everything you’d created on it disappeared for good. To save your work, you had to tell the terminal to instruct the computer to send your program to the punch-card machine—it converted your code into patterns of holes cut into stiff pieces of paper about the size of business envelopes. When you wanted to reenter your work into a terminal, you slid your punch cards, one after another, into a slot in the machine. Paul had finished an entire version of his program and saved it on punch cards when it occurred to him that he shouldn’t assume the teacher wouldn’t be suspicious. The printer was a noisy dot matrix. What if the teacher heard it start running and went over to find out what was being printed, and saw his own username and password appear?

  Paul revised his program so that the computer would encrypt the teacher’s information before sending it to the printer. If, for example, the instructor’s password was ACORN123, the program would add three letters to the letters and three numbers to the numbers, and if the teacher looked at the printout, he’d just see gibberish: DFRUQ456.

  Paul sent his revised program to the punch-card machine and received thirty cards, which he numbered because they would have to be inserted into a terminal in the correct order.

  There was one further complication. He had studied the teacher’s habits. The man came to the lab in the morning before the first bell and logged in and did some work, but he didn’t always use the same terminal. So Paul would have to load his program into each of the six terminals. He did this on a morning in late September. He got to the computer lab very early, with his punch cards concealed in his bookbag, and he went from terminal to terminal, inserting the cards one after the other and in the proper order. He finished loading all six terminals while the lab was still empty.

  Everything went according to his plan. The instructor arrived a while later, logged in, saw the error message, and evidently thought nothing of it. He simply logged in again and didn’t seem to notice the printer’s brief clacking, or Paul’s walking nonchalantly to the machine and tearing off the tongue of paper it had just produced. Later, in class, Paul took the paper out of his trousers pocket and decoded the teacher’s username and password.

  He took his stolen secrets to the lab right after school. A few other boys were still there when he entered. Their presence made the dismal room feel dangerous. He liked that feeling, like a color change inside him. Paul had been practicing at nonchalance forever, making himself look confident when, as usual, he was feeling shy, and calm when, as at this moment, every sight and sound was amplified. In this, his father was his model, a master of studied nonchalance. Paul and his brothers and sisters liked to say that if their father was telling a story at the dining room table and a bomb went off across the street and they turned to look, the old man would be disappointed with them, even insulted—they thought a bomb was more interesting than his story?

  Paul saunte
red into the Computer Club lab. He glanced at the other kids staring at their terminals. He didn’t hurry. He picked an unoccupied terminal, entered the teacher’s username and password, and then at last the teacher’s special menu rose up on the screen. Paul had to clamp his lips shut. Holy shit! There were at least a dozen special commands and new places to go. Paul opened each. The most interesting was labeled ATTENDANCE. Somebody, probably the computer teacher himself, had created an electronic system for recording attendance.

  Figuring out how ATTENDANCE worked took a few days—a little exploration in the computer, a little watching in classrooms. Every day the computer, the locked-away IBM machine, generated a list of students who were to be excused for arriving late to school. Each teacher got the printout in the morning. Paul now had the power to add any name he wanted to that printout and get a kid excused for missing a morning of school. Within a month Paul had made friends with a classmate nicknamed Psycho, a daredevil who took matters a step further by stealing the nurse’s official notepad and ink stamp, which you could use to get excused in the middle of the day.

  Paul’s next computer program was a hangman game. It worked perfectly. His friends thought it was cool. But one day he dropped the punch cards that contained his game. Looking down at them scattered around his sneakers, he realized he hadn’t numbered them. “Fuck this!” he yelled. His anger cooled eventually, but by then programming a computer seemed like something he’d already done. For years, until he got a machine of his own, he visited the computer room only to make arrangements for playing hooky.