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  Christine’s mother, Helen, Jamie’s first wife, twelve years earlier had escaped his crazy world with her sanity and a huge settlement. Although Christine saw her only once or twice a year, she was delighted that her mother had remarried and was living happily with her second husband at their lovely rural home near Montpellier, in the south of France.

  Christine had met Steve at a gala wedding held at Muskoka Lakes Golf and Country Club in the summer of 1998. Her dazzling brown eyes, vitality, and joie de vivre were irresistible to Steve, and to most men who saw her. She had the ability to walk into a room full of people and effortlessly command the attention of everyone. The timing was perfect. Christine was maid of honor, Steve was best man. The atmosphere was perfect: a warm summer night, the elegant clubhouse on the lake, booze flowing like Niagara Falls, and a guest-list including celebrities and Toronto’s glitteratti. Falling in love was easier than falling into the lake. It had the makings of a union made in heaven. Both were well educated, members of the lucky gene club, and only slightly beyond the right age. The two enjoyed an intense but protracted dating relationship until Christine’s full court press resulted in a ring on her finger in July, 2001. The events of September 11, 2001, resulted in a postponement of their wedding to a date yet to be determined.

  Following prayers and the singing of ‘Nearer My God To Thee,’ Steve stood, moved to the pulpit, and delivered a stirring eulogy to his father. With tears in his eyes he thanked everyone for their generous display of respect, then wept when he spoke of the fateful decision of Seismic Oil to hold its board meeting on September 11, 2001. He cursed fate and terrorism for for taking his father’s life and those of so many other innocent people. He concluded his remarks by inviting everyone for refreshments at Christine’s father’s home on Toronto’s Bridle Path.

  Minutes after arriving at Jamie Stewart’s mansion, Steve was only starting his first drink when he saw Mike, Karen, and Kerri. The three were standing alone on the far side of the massive atrium. His pulse quickened. The most beautiful woman he had ever seen had been kind enough to attend his father’s memorial service. He had to talk to her. He put his arm around Christine’s shoulder and kissed her cheek. “Would you excuse me for a few minutes?” he said, pointing to the Kings. “I didn’t get a chance to speak to the Kings at the church. I really should.”

  Christine, sipping her red wine and engaged in another conversation, nodded, barely acknowledging his request.

  He hurried to join the three. For the second time he thanked them for attending the service, then changed the subject. He smiled at Kerri, thrilled to see her again, to be close to her. “I wanted to tell you how much I enjoyed talking to you last weekend. I was disappointed to see you leave. I was so busy talking about myself, I didn’t get a chance to learn anything about you… Do you live in Toronto?”

  She shook her head. “New York,” she said.

  “Do you work there?”

  “I’m the president of Iacardi and Sons. It’s a commodities broker.”

  Her reply hit Steve like an electric shock. The news of Iacardi’s near total decimation had gone viral, worldwide. Anyone who had watched television or read a newspaper in the previous four days knew of the horrible demise of most of the company’s New York employees in the collapse of the World Trade Center’s South Tower. His thoughts immediately reverted to his conversation with Kerri at The Health Club. He closed his eyes and covered his forehead with his right palm. “Oh my God! You didn’t say a thing!” he said, embarrassed. Kerri had been so sympathetic to him while simultaneously enduring an unfathomable hell. His respect for a woman he did not know, skyrocketed. His heart told him to hug her, to talk to her, to get to know her. His mind told him it was politically unacceptable.

  He leveled his hazel eyes at her. “You have my deepest regrets, and please know that I have the utmost respect for you,” he said, then turned to Christine, who was now beside him. He flushed to crimson, then composed himself. Gesturing with his hands, he made the introductions. “Christine, I’d like you to meet Kerri, Karen, and Mike King. Mike is a fraternity brother of dad’s.” He placed his hand on Christine’s shoulder. “Christine is the daughter of our host.”

  Christine graciously shook hands with each. “A pleasure to meet you, and welcome to our home,” she said, then hugged Steve. “I’m engaged to marry this hunk,” she boasted, flashing her million dollar smile. Her smile disappeared as quickly as it had appeared as she broke her hug and grasped Steve’s right hand. “Please excuse us. There are so many people I’d like Steve to meet.” She led him back to the far side of the atrium, then stopped and glared at him, anger clearly displayed. “I couldn’t help noticing how you looked at Kerri King. How well do you know her?”

  “I don’t know her. I just met her at the Health Club last Saturday. Until then, I didn’t even know she existed.”

  “Is she married?”

  “I have no idea. That’s how well I know her.”

  “You’re attracted to her, aren’t you?”

  “Of course I am. I’m attracted to all beautiful women, particularly you.”

  CHAPTER 13

  Muskoka, Friday. One P.M.

  By design, Steve quit work early on his model cottage, his deep seven digit construction project at the north end of Lake Joseph. He had poured his heart, soul, and most of his future father in law’s five million dollar loan into the enterprise, hoping to make it the center-piece of his new business. On a cliff facing south and with three hundred feet of beautiful shoreline, the cottage was positioned to offer sensational views from every window. He planned to rent it, completely furnished, to someone who would agree to allow him to show it, inside and out on reasonable notice, to prospective clients.

  He cleaned up the work site, stowed his tools, then jumped into his Boston Whaler and raced, full throttle, the eight mile length of Lake Joseph. The ride was exhilarating. Virtually alone on the lake, the Whaler carved an almost perfect V-shaped wake on the lake’s glassy smooth surface. The deciduous trees lining the lake were in almost full autumn color. He slowed to a crawl passing through the Port Sandfield cut, then resumed maximum speed eastward and parallel to the south shore of Lake Rosseau. He turned south into the Indian River, and docked at the Port Carling Marina fifteen minutes later. He tied the boat securely, fastened the tonneau cover, then ran to his green 1995 Ford Ranger pick-up. After a brief check in his bag to confirm he had brought his toothbrush, he jumped in and headed for Toronto. He smiled at the heavy northbound weekend traffic while his truck was nearly alone in the southbound lanes.

  Two hours later, a slow drive past the wrought iron gates to one of Toronto’s most expensive homes brought another smile to his face, not out of pride, but because he was doing it in his dilapidated green Ford truck. He parked, grabbed his bag, and headed for the front door.

  Christine, dressed to kill in her knee-length form fitting emerald green dress, opened the door and met him with a tight hug and tongue probing kiss. “I missed you, Monteith,” she groaned. “I’m wet already.”

  Steve glanced at his watch. “We’re late. We can deal with your problem or catch the first act. We can’t do both.”

  “Okay, get your ass dressed. We’ll do it later,” she said with a fake pout.

  “Why did you want me to pick you up here?”

  “I’m baby sitting the dogs. Dad’s in Los Angeles for the weekend.”

  Mama Mia at the Royal Alex Theater was sensational. A late dinner at 360, a revolving restaurant above the eleven hundred foot level on the CN Tower, was like desert.

  Christine fondled her wine glass and frowned. “Don’t you think it’s time you got a new car?” she asked.

  Steve laughed. He detested, but tolerated her obsession with status. “I don’t even have an old one. I have a truck.”

  “You know what I mean.”

  “Sure I do. The queen of Toronto is embarrassed to
be seen motoring around in a pick up truck.”

  “Don’t you think it’s a little tacky?”

  “Would you love me more if I drove a Rolls Royce?”

  She reached for his hand and winked. “It’s not possible for me to love you any more than I do, even if you picked me up in a bicycle. Now take me home and solve my problem. I’m still wet.”

  CHAPTER 14

  New York. Friday, noon.

  F.T.D. delivered two dozen red roses to Kerri’s apartment, sharp at noon. She hurried to open the small attached envelope, and remove the enclosed card. She read,

  “Dear Kerri;

  The roses are to thank you for your kindness and sympathy. I can’t tell you how much it meant to me that you took the time to attend dad’s service. I appreciated it more than you can imagine. I hope some day we can continue our conversation, uninterrupted.

  Fondly, Steve Monteith.”

  She placed the flowers in a crystal vase, filled it with water, then set it on her kitchen counter. She asked herself if the note was just Steve’s way of returning her kindness, or if there was something more. She closed her eyes and wondered how she would behave if Steve wasn’t engaged to be married. There was something about him that excited her, moved her in a way she had not experienced since she met Louis Visconti. Memories of the consequences of that meeting ignited old and persistent fears. She had vowed never to put herself in a position to be hurt again. The wounds had healed, but the scars were still embedded deep in her heart.

  She took a long time to compose a reply to a man who was engaged to another woman, a man who had captured something in her and would not let go.

  For days she had been pestered and hounded by members of the media. Any time she left the confines of her apartment she faced an endless and shameless barrage of confrontations and solicitations. Much as she wanted to, she could not turn her cell phone or answering machine off because of her crucial need for constant two way communications. She could have switched to an unlisted number, but that would be hiding, something she did not want to be accused of doing. In the frequent event a reporter succeeded in getting her on the receiving end of a telephone call, she would end it summarily by saying, “I have no comment at this time.”

  Compounding her communication problems by orders of magnitude were the hundreds of calls she received from family members of deceased employees, attorneys representing their estates, and clients seeking answers to too many questions. While she hated to go public for any reason, she had concluded it was necessary. Doing so would provide her with an opportunity to convey her messages to a large number of people, to answer their questions, and to tell the world of her plan to return Iacardi to its former health.

  After weeks of agonizing over how to go public and with whom, she accepted an invitation for an exclusive live television interview from Cathy Simmonds, a close friend and revered in the industry for both accuracy and integrity. Simmonds, an attractive thirty-nine year old redhead, had met Kerri four years earlier at a high profile New York charity function. They discovered that they had a lot in common and liked each other. Lunch or dinner together, at least once a month, was an event both cherished. The interview was set to take place at the Manhattan studio of WKTV, a local broadcaster.

  New York. 5:00 P.M.

  Dressed in her most conservative black business suit, combined with a white silk blouse and no jewelry, Kerri took a seat facing Simmonds. Both occupied matching white French Provincial chairs. The make up crew had done a superb job of hiding the signs of worry and stress showing on Kerri’s face. The lights were painfully bright.

  The count down ended and Simmonds, facing the camera with a commercial smile, began, “I’m honored to have with me today, Kerri King, the president of Iacardi & Sons, a company virtually decimated by the terrorist attacks of September eleventh.” She turned to face Kerri. “Thank you for agreeing to spend some of your valuable time with us today, Kerri. I can’t imagine how difficult it must have been for you in the days following that unspeakable disaster.”

  Kerri forced a smile and responded, “You’re welcome, Kathy, and thank you for inviting me… Yes, it’s been a nightmare, an experience I hope nobody has to endure, ever… I have no right to be here. I should have been in that building with my co-workers that day. It doesn’t matter how hard I try, I can’t escape the guilt. It won’t let go… Far worse, however, has been the pain I feel for the families and loved ones of the people who didn’t make it out of those buildings. There are no words…” She paused to wipe tears from her eyes. “Only they can describe the horror they witnessed, and the hardship they’re facing as a result of their loss.”

  “Very well said. To tell you that we mourn your loss seems inadequate, in the extreme.” Cathy interjected. “We can only imagine your pain.”

  “Thank you.”

  “What about the future? Have you made any plans?”

  “We have. Before September eleventh, Iacardi’s New York office had three hundred and forty-two employees. There are only four of us left. By the grace of God, three of our traders were attending a conference in London at the time of the attacks. I’ve just met with them and asked them the same question. I’m happy to report that, selflessly, all three have agreed to remain with the company. They are extremely talented individuals. They could find higher paying jobs in a heart beat. I’m pleased to tell you that all four of us have agreed not only to stay with the company, but to work very hard, and not to stop until we’ve restored Iacardi to its former health.”

  “How on earth are you going to do that? I’m not a business person, but it appears to me to be an almost impossible task.”

  Kerri glared at her hostess, her eyes burning with resolve. “I’m absolutely convinced it can be done. If I wasn’t, I wouldn’t be here… As I speak, we’re moving to establish a command and control center here in Manhattan. We’ve set a deadline to have it up and running before the end of next week. The center will have a toll free number and an email address, and that information will be advertised the minute we have it. The people we put in that center will be trained to answer any and all questions, or to refer the caller to an individual who is capable of answering their questions. In addition, these people will be empowered to dispense funds for funeral and emergency medical expenses. We will not forget the employees who worked so hard to make Iacardi a great company. We’ve made the necessary financial arrangements, we have the money, and we’re prepared to spend it so that the families and loved ones of the employees we’ve lost can continue to live in dignity.”

  “You are to be commended, not only for what you’re doing, but for what you’ve said. I asked you for your plans for the future, and in your reply you showed me where your heart is… Please continue, Kerri. Tell the viewers about your plans for restoring the business. I’m sure there are a lot of people who would like to know.”

  “Sure. I’ve asked our three remaining traders to live on their telephones, to contact each and every one of the clients we’ve been serving from our New York office, and to tell them we’re on our way back. In the meantime, those clients‘ trades will be processed by our Toronto, London, Geneva and Hong Cong offices. Obviously, we need a new office, and I’m prepared to promise everyone who’s interested that we’re going to have one, soon. I’m determined to have it up and running within a month. The people we’ve lost, and our clients, deserve nothing less.”

  “Wow! That’s breathtaking! It looks like you’ve got your work cut out for you… Thank you once again, Kerri. I wish you nothing but success. You deserve it.”

  “Thanks, Cathy. May I just say one more thing? It’s very important.”

  “Certainly. Go ahead.”

  “We haven’t cast this in stone yet, but our accountants have virtually assured me that once the company is back up to full speed, we will be able to dedicate twenty-five percent of its pre-tax profits to the payment of salary continuance
and medical insurance premiums to the estates of each of our lost employees. I want to promise that for so long as I am president of Iacardi, I will not rest until this is a reality.”

  Kerri paused to gather herself. “Now it is with sadness that I am compelled to announce the most difficult decision I have ever made in my life… There will be funerals, many of them, most of them occurring at the same times, and soon… It will be impossible for me to attend all of them, so to be fair to everyone, I must attend none. I know I will be criticized by some for this decision, but I promise I will be at each in mind and spirit. I hope someday my efforts to rebuild Iacardi will exonerate me. I dedicate these efforts to the people who died in the service of the company.”

  Kerri hurried from the WKTV studio and took a cab to the law office of Kaplan, Mendoza and Cooper. The entire staff gave her a standing ovation as Marsha Cooper led her from the reception area to her office. In her late thirties and dressed a dark blue suit, Marsha was a cerebral type. Tall and lanky with short black hair, piercing brown eyes, and warm smile, she looked like everybody’s girl next door. Anyone who ever opposed her in a court of law learned quickly that the girl next door was anything but. She rarely lost a case. Her fanatical attention to detail and relentless cross examination tactics had made her one of the most respected corporate litigants in New York. She was a single mom with two very intelligent teen aged daughters, both enrolled in a very expensive Manhattan prep school.