Praise for the novels of Susan Wiggs

“Susan Wiggs paints the details of human relationships with the finesse of a master.”

—Jodi Picoult, New York Times bestselling author

“Fans of historical romances will naturally flock to this skillfully executed trilogy.”

—Publishers Weekly on the Chicago Fire Trilogy

“Wiggs provides a delicious story for us to savor.”

—Oakland Press on The Mistress

“Susan Wiggs delves deeply into her characters’

hearts and motivations to touch our own.”

—RT Book Reviews on The Mistress

“Once more, Ms. Wiggs demonstrates her ability

to bring readers a story to savor that has them

impatiently awaiting each new novel.”

—RT Book Reviews on The Hostage

“Wiggs is one of our best observers

of stories of the heart. Maybe that is because

she knows how to capture emotion on

virtually every page of every book.”

—Salem Statesman-Journal

“Susan Wiggs is a rare talent!

Boisterous, passionate, exciting!”

—Literary Times

“Susan Wiggs writes with bright assurance,

humor and compassion.”

—Luanne Rice, New York Times bestselling author

The Firebrand
The Chicago Fire Trilogy
Susan Wiggs

www.mirabooks.co.uk

Also by SUSAN WIGGS

Contemporary Romances

HOME BEFORE DARK

THE OCEAN BETWEEN US

SUMMER BY THE SEA

TABLE FOR FIVE

LAKESIDE COTTAGE

JUST BREATHE

The Lakeshore Chronicles

SUMMER AT WILLOW LAKE

THE WINTER LODGE

DOCKSIDE

SNOWFALL AT WILLOW LAKE

FIRESIDE

LAKESHORE CHRISTMAS

THE SUMMER HIDEAWAY

Historical Romances

THE LIGHTKEEPER

THE DRIFTER

The Tudor Rose Trilogy

AT THE KING’S COMMAND

THE MAIDEN’S HAND

AT THE QUEEN’S SUMMONS

Chicago Fire Trilogy

THE HOSTAGE

THE MISTRESS

THE FIREBRAND

Calhoun Chronicles

THE CHARM SCHOOL

THE HORSEMASTER’S DAUGHTER

HALFWAY TO HEAVEN

ENCHANTED AFTERNOON

A SUMMER AFFAIR

I have a great desire to see a variety of employments

thrown open to women, and if they may

sell anything, why not books? The business

seems to partake of the dignity of literature.

—Miss Elizabeth Peabody, Boston bookseller, 1848

This is for booksellers everywhere,

including Tamra, Beth Anne, Donita, Dean,

Jennie, Terry, Gerald, Michael, Mary Gay, donNA,

Donna, Sally, Lucinda, Marge, Rose Marie, Lois,

DeeDee, Stefanie, Ruth Ann, Tanzey, Judy, Judy,

Kyle, Charlie, Elaine, Char, Mary, Sharon, Virginia,

Anne Marie, Leah, Yvonne, Tommy, Bobbie,

Tina, Mark, Maureen, Cathy, Kathy, Rose, Dawn,

Bronwyn. And of course, Fran at the Safeway.

You enrich the lives of readers beyond measure.

Thanks to Barb, Joyce and Betty

for knowing what’s right and finding what’s wrong,

to Martha Keenan for her expert editing

and to the Chicago Historical Society

for keeping bygone days alive.

Part One

I suppose I need hardly say that I like Chicago—like it in spite of lake-wind sharpness and prairie flatness, damp tunnels, swinging bridges, hard water, and easy divorces.

—Sara Jane Clarke Lippincott (aka Grace Greenwood), 1871

Prologue

Chicago

Sunday, 8 October 1871

The city was like a matchstick, waiting to be struck. The shipyards were stacked with lumber from the north woods, soon to be transformed into warehouses, tenements, breweries and shanties. In just a few short years, the prairie town had sprawled into an ungainly maze of wooden structures.

Many of the buildings looked grand. Some even appeared rock-solid. But in fact, most structures were clad in the false and fancy dress of ornate facades. Their insincere faces were painted to resemble stone or marble, copper or tin. But scratch beneath the surface, and the flimsy substance would be revealed—wood, as dry as tinder, capped by a deceptive veil of shingles glued on by flammable tar.

The roadways radiated like arteries from the giant, churning heart of the lake. Six hundred miles of wooden sidewalks and sixty miles of pine-block roadways spread through the business district and working-class neighborhoods where immigrant mothers tried to hush their fretful children, suffering in the unseasonably dry heat. Rickety boardwalks and causeways spread across manufacturing centers and even dared to encroach upon the fashionable wealthy areas north of the river.

The barons of industry and commerce had put up varnish factories, alcohol distilleries, coalyards, lumber mills and gasworks with more regard for fast profit than for fire prevention. They lived for show, in houses built to resemble the centuries-old manors of aristocrats. Blooded coach horses occupied stables crammed with dry straw and timothy hay. Avenues of trees, stripped dry by the summer-long drought, connected neighbor to neighbor, each trying to outdo the other in ostentation. Those who had established themselves in the city a mere fifteen years ago liked to call themselves Old Settlers, and the new arrivals had no grounds to challenge the designation. Instead they set to work earning their own fortunes so that one day they might buy their way into the ranks of the merchant princes.

Many of these newcomers stayed at the Sterling House Hotel, which was considered the very height of fashion. Literally. Crowned by a dome of colored glass, the five-story structure boasted a steam elevator and commanded an impressive view of the river.

Feverish and impatient with ambition, no one cared that Sunday was supposed to be a day of rest and reflection. No one heeded the fire alarms that had been shrieking through drought-choked neighborhoods all week. The wheels of commerce ground on with dogged relentlessness, and only those too timid to dream greatly would pause to worry that Chicago was a city built of tinder; or that sparks from a hundred thousand chimneys infested the gusting night air; or that the fire-fighting companies had already worked themselves into exhaustion.

To be sure, no one could have predicted the vicious speed with which the fire took hold. No one could have imagined that, with such a modern system of alarms and waterworks, the Great Fire would burn without interruption Sunday night, and on through Monday, and deep into the middle of Tuesday. No one looking at the falsely solid brickfronts could have believed the city would be so vulnerable.

But like anything built on an unstable foundation, the city had only the thinnest of defenses. Chicago was not long for this world.

Part Two

We hold these truths to be self-evident; that all men are created equal; that they are endowed by their Creator with certain inalienable rights; that among these are life, liberty, and the pursuit of happiness.

—Thomas Jefferson “Declaration of Independence,” 1776

We hold these truths to be self-evident; that all men and women are created equal; that they are endowed by their Creator with certain inalienable rights; that among these are life, liberty, and the pursuit of happiness.

—Elizabeth Cady Stanton “Declaration of Sentiments,” 1848

Chapter One

Lucy Hathaway perched on the edge of her seat, pretending to hang on every word spoken by the evangelist. Anyone in the crowded salon who saw her attentive posture would admire her piety. Observers would find the sight of the dark-haired young woman, with her hands clasped in religious fervor, uplifting. Inspirational, even. Commendable, most assuredly.

“Your eyes are glazing over,” said a deep, amused voice beside her.

She didn’t recognize the voice, which was unusual, for Lucy Hathaway made it her business to know everyone. The man must have slid into the seat beside her after the start of the lecture. But she didn’t turn to look at him. She pretended not to notice that he’d spoken at all.

“…St. Paul is clear on this point,” Reverend Moody intoned from the podium. “A wife must submit to her husband’s leadership in the same way she submits to the Lord…” The message rang through the room full of people who had braved a dry windstorm to attend the event at the fashionable Hotel Royale.

Lucy blinked slowly, trying to unglaze her eyes. She kept them trained straight ahead with unwavering attention. She tried to govern her mind as well, batting away the preacher’s words like bees at a picnic, when she really wanted to leap to her feet and object to this claptrap about the superiority of man over woman.

And now, despite her best intentions, she found herself wondering about the insolent man sitting next to her.

The man whose whisper had come so close that she could feel the warmth of his words in her ear.

“You know,” he said, leaning even closer. “You might try—”

“Go away,” she said between clenched teeth, not even moving her lips as she spoke. He smelled of bay rum and leather.

“—leaning on me,” he continued insolently. “That way, when you fall asleep from boredom, you won’t attract attention by collapsing on the floor.”

“I will not fall asleep,” she hissed.

“Good,” the man whispered back. “You’re much more interesting wide-awake.”

Ye gods. She mustn’t listen to another word of this.

The Reverend Dr. Moody came to a lull in his address, pausing to fortify himself with a glass of lemonade from a pitcher.

She sensed the man next to her shifting in his seat and then leaning back to prop his ankle on his knee in an easy, relaxed pose. By peeking through lowered eyelashes, she caught a glimpse of his pantleg. Charcoal superfine, perfectly creased, fashionably loose-fitting.

Lucy herself was being slowly strangled by a corset designed, she was certain, for use in the Spanish Inquisition, and she resented him more than ever.

“We should leave,” he suggested, “while we have the chance.”

She glared stoically ahead. This was the first lull in forty minutes of the stultifying lecture, and the temptation to flee burned like a mortal sin inside her. “It’s interesting,” she said, trying hard to convince herself.

“Which part?”

“What?”

“Which part did you find so interesting?”

Lucy was chagrined to realize that she could not recall one single word of the past forty minutes. “All of it,” she said hastily.

“Right.” He leaned in closer. “So now I know what bores you. Suppose you tell me what excites you.”

She narrowed her eyes in suspicion, for no man had ever voluntarily made small talk with her. He was probably setting her up for some sort of humiliating moment. Some social faux pas so he and his cronies could have a chuckle at her expense. So what? she thought. It wouldn’t be the first time someone made her the butt of a joke. She’d survived moments like that before. Many moments.

“Ha,” she muttered. “As if I would tell you.”

“I’m leaving,” he said. “Come with me.”

Lucy ignored him. If she got up now, people would notice. They might think she was following him. They might even believe she had “designs” on him.

As if Lucy Hathaway would ever have such a thing as designs on a man.

“Quickly,” he urged, his whisper barely audible. “Before he gets his second wind.”

The audience, restless and trying not to show it, buzzed with low, polite conversation while the evangelist refreshed himself. At last Lucy could resist no longer. She had to see who this rude, mellow-voiced stranger was. With the bold curiosity that caused her such trouble in social situations, she turned to stare at him.

Heavens to Betsy. He was as handsome as a sun god.

Her eyes, no longer glazing over, studied him with unabashed fascination. Long-legged. Broad-shouldered. Deep brown hair, neatly combed. An impeccably tailored suit of clothes. A face of flawless, square-jawed strength and symmetry such as one saw on civic monuments and statues of war heroes. Yet this particular face was stamped with just a hint of wicked humor. Who the devil was he?

She didn’t know him at all, had never seen him before.

If she had, she would have remembered. Because the unfamiliar warmth that curled through her when she looked at him was not a sensation one would easily forget. Lucy Hathaway was suddenly contemplating “designs.”

He smiled, not unkindly. She caught herself staring at his mouth, its shape marvelously set off by the most intriguing cleft in his chin. “Randolph Birch Higgins,” he said with a very slight inclination of his head.

Guiltily she glanced around, but to her relief noticed that they sat alone in the rear of the salon. She cleared her throat. “I beg your pardon?”

“Please don’t. I was simply introducing myself. My name is Randolph Higgins.”

“Oh.” She felt as gauche as a schoolgirl unprepared for lessons.

“I believe the usual response is ‘How do you do?’ followed by a reciprocal introduction,” he suggested.

What a condescending, pompous ass, she thought. She resented the marvelous color of his eyes. Such an arrogant man did not deserve to have perfect leaf-green eyes. Even more, she resented him for making her wish she was not so skinny and black-haired, pinch-mouthed and awkward. She was not an attractive woman and she knew it. Ordinarily that would not bother her. Yet tonight, she wished with humiliating fervor that she could be pretty.

“Miss Lucy Hathaway,” she said stiffly.

“Pleasure to meet you, Miss Hathaway.” He turned slightly toward her, waiting.

She had the oddest sensation of being alone with this man. On some level she perceived people milling around the large outer salon behind them. Through the arched passageway, she vaguely noticed ladies laughing and flirting, men stepping through the French doors to light up their cigars in the blustery night. In the lecture room, people spoke in low tones as they awaited the next portion of the address. Yet a strange electricity stung the air around Lucy and the man called Randolph Higgins, seeming to wall them off into a place of their own.

“Now you’re supposed to say ‘It’s a pleasure to make your ac—’”

“I don’t need lessons in idle conversation,” she said. Lord knew, her mother had taught her that well enough. Ensconced in a North Division mansion, Viola Hathaway had elevated frivolity to an art form.

“Then we should move on to meaningful conversation,” he said.

“What makes you think you and I could have a meaningful conversation?” she asked. Her parents had spent a fortune to drill her in manners, but all the deportment lessons in the world had failed to keep Lucy from speaking her mind.

She wished Mr. Higgins would go away. Far away. A man who produced this sort of discomfiting reaction in her had no possible use except…

Lucy was nothing if not honest with herself. Perhaps she should quit trying to feel peevish and admit that she was most inappropriately intrigued. A sudden, sinful inspiration took hold. Perhaps he could be useful. As a New Woman who adhered fervently—if only in theory, alas—to the radical notion of free love, Lucy felt obliged to practice what she preached. Thus far, however, men found her unattractive and annoyingly intellectual. Mr. Higgins, at least, seemed to find her interesting. This was a first for Lucy, and she didn’t want to let the opportunity slip away.

“You’re looking at me like a cat in the creamery,” he whispered. “Why is that?”

She snapped her head around and faced front, appalled by her own intoxicating fantasy. “You’re imagining things, sir. You do not know me at all.”

The lecture started up again, a boring recitation about the ancient founders—male, of course—of the Christian faith. She tilted her chin up and fixed an expression of tolerant interest on her face. She’d promised Miss Boylan not to argue with the preacher; her radical views often got her in trouble, tainting the reputation of Miss Boylan’s school. Instead she kept thinking about the stranger beside her. What wonderful hands he had—large and strong, beautifully made for hard work or the most delicate of tasks.

Lucy tried to push her attraction away to the hidden place in her heart where she kept all her shameful secrets.

Men were trouble. No one knew this better than Lucy Hathaway. She was that most awkward of creatures, the social misfit. Maligned, mocked, misunderstood. At dancing lessons when she was younger, the boys used to draw straws in order to determine who would have the ill luck to partner the tall, dark, intense girl whose only asset was her father’s fortune. At the debutante balls and soirees she attended in later years, young men would place wagers on how many feet she would trample while waltzing, how many people she would embarrass with her blunt questions and how many times her poor mother would disappear behind her fan to hide the blush of shame her daughter induced.

In a last-ditch effort to find their daughter a proper place in the world, Colonel and Mrs. Hathaway had sent her away to be “finished.” Like a wedding cake in need of icing, she was dispatched to the limestone bastion called the Emma Wade Boylan School for Young Ladies, and expected to come out adorned in feminine virtues.

Women whose well-heeled papas could afford the exorbitant tuition attended the lakeside institution. There they hoped to attain the bright polish of refinement that would attract a husband. Even those who were pocked by imperfection might eventually acquire the necessary veneer. Lucy found it bizarre that a young woman’s adolescence could end with instructions on how best to arrange one’s bustle for sitting, or all the possible shades of meaning created by a crease in a calling card, yet she’d sat through lengthy lectures on precisely those topics. To her parents’ dismay, she was like the wedding cake that had crumbled while being carried from oven to table. No amount of sugar coating could cover up her flaws.

Whenever possible, Lucy buried her social shortcomings between the delicious, diverting pages of a book. She adored books. Ever since she was small, books had been her greatest treasures and constant companions, offering comfort for her loneliness and escape from a world she didn’t fit into. She lived deeply in the stories she read; caught up in the pages of a book, she became an adventuress, an explorer, a warrior, an object of adoration.

And ironically, her many failures at Miss Boylan’s had endeared her to some of the other young women. There, she’d made friends she would cherish all her life. The masters at the school had long given up on Lucy, which gave her vast stretches of free time. While others were learning the proper use of salt cellars and fish forks, Lucy had discovered the cause that would direct and give meaning to her life—the cause of equal rights for women.

She certainly didn’t need a man for that.

“We stray too far from the virtues our church founders commanded us to preserve and uphold,” boomed the Reverend Moody, intruding into Lucy’s thoughts. She stifled a surge of annoyance at the preacher’s words and pressed her teeth down on her tongue. She mustn’t speak out; she’d promised. “The task is ours to embrace tradition…”

Lucy had a secret. Deep in the darkest, loneliest corner of her heart, she yearned to know what it was like to have a man look at her the way men looked at her friend Deborah Sinclair, who was as golden and radiant as an angel. She wanted to know what it was like to laugh and flirt with careless abandon, as Deborah’s maid, Kathleen O’Leary, was wont to do belowstairs with tradesmen and footmen. She wanted to know what it was like to be certain, with every fiber of her being, that her sole purpose in life was to make a spectacular marriage, the way Phoebe Palmer knew it.

She wanted to know what it would be like to lean her head on a man’s solid shoulder, to feel those large, capable hands on her—

Exasperated with herself, she tried to focus on the mind-numbing lecture.

“Consider the teachings of St. Sylvius,” the preacher said, “who taught that ‘Woman is the gate of the devil, the path of wickedness, the sting of the serpent, in a word a perilous object.’ And yet, my friends, it has been proposed that in some congregations women be allowed to hold office. Imagine, a perilous object holding office in church—”

“Oh, for Pete’s sake.” Lucy shot up as if her chair had suddenly caught fire.

Moody stopped. “Is there some discussion, Miss Hathaway?”

Unable to suppress her opinions any longer, she girded herself for battle. She’d promised Miss Boylan she wouldn’t make waves, but he’d pushed her too far. She gripped the back of the empty chair in front of her. “As a matter of fact, we might discuss why our beliefs are dictated by men like St. Sylvius, who kept paramours under the age of fourteen and sired children concurrently with three different women.”

Scandalized gasps and a few titters swept through the audience. Lucy was accustomed to being ridiculed and often told herself that all visionaries were misunderstood. Still, that didn’t take the sting out of it.

“How do you know that?” a man in the front row demanded.

Well-practiced in the art of airing unpopular views, she stated, “I read it in a book.”

“I’d wager you just made it up,” Higgins accused, muttering under his breath.

She swung to face him, her bustle knocking against the row of chairs in front of her. Someone snickered, but she ignored the derisive sound. “Are you opposed to women having ideas of their own, Mr. Higgins?”

Half his mouth curved upward in a smile of wicked insolence. He was enjoying this, damn his emerald-green eyes. “So long as those ideas revolve around hearth and home and family, I applaud them. A woman should take pride in her femininity rather than pretend to be the crude equal of a man.”

“Hear, hear,” several voices called approvingly.

“That’s a tired argument,” she snapped. “A husband and children do not necessarily constitute the sum total of a woman’s life, no matter how convenient the arrangement is for a man.”

“I reckon I can guess your opinion of men,” he said, aiming a bold wink at her. “But don’t you like children, Miss Hathaway?”

She didn’t, truth be told. She didn’t even know any children. She had always considered babies to be demanding and incomprehensible, and older children to be silly and nonsensical.

“Do you?” she challenged, and didn’t bother waiting for a reply. “Would you ever judge a man by that standard? Of course you wouldn’t. Then why judge a woman by it?”

He made the picture of masculine ease and confidence as he stood and bowed to Reverend Moody. “Shall we remove this discussion to a more appropriate locale?” he inquired. “A sparring ring, perhaps?”

Laughing, Moody stepped back from the podium. “On the contrary, we are fascinated. I yield the floor to open discussion.”

Fine, thought Lucy. They all expected her to disgrace herself. She could manage that with very little effort. She swept the room with her gaze, noting the presence of several prominent guests—Mr. Cyrus McCormick and Mr. George Pullman, whose enterprises had made them nearly as wealthy as Lucy’s own father, Colonel Hathaway, hero of the War Between the States. She spied Mr. Robert Todd Lincoln, son of the late great Emancipator and one of the leading social lights of the city. Jasper Lamott, head of the Brethren of Orderly Righteousness, sat in smug superiority. Watching them, she felt an ugly little stab of envy. How simple it was for men to stand around discussing great matters, secure in the knowledge that the world was theirs for the taking.

“I believe,” she said, “that women have as much right as men to hold office in the church or the government. In fact, I intend to support Mrs. Victoria Woodhull’s campaign for president of the United States,” she concluded grandly.

Higgins’s brow descended with disapproval. “That woman is a menace to decent people everywhere.”

Lucy felt a surge of outrage, but the heated emotion mingled strangely with something unexpected—the tingling excitement touched off by his nearness. “Most unenlightened men think so.”

“Her ideas about free love are disgusting,” Jasper Lamott called across the room, instigating rumbles of assent from the listeners.

“You only think that because you don’t understand her,” Lucy stated.

“I understand that free love means immorality and promiscuity,” Higgins said.

“It most certainly does not.” She spoke with conviction, trying to do honor to the great woman’s ideas, even though she knew her mother would be calling for smelling salts if she heard Lucy debating promiscuity with a strange man in front of a crowd of avid listeners.

“Isn’t that exactly what she means?” Randolph Higgins asked. “That a woman should be allowed to follow her basest instincts, even abandoning her husband and family if she wishes it?”

“Not in the least.” In the audience, heads swung back and forth as if they were watching a tennis match. “The true meaning of free love is the pursuit of happiness. For men and women both.”

“A woman’s happiness is found in marriage and family,” he stated. “Every tradition we have bears this out.”

“Where in heaven’s name do we get this tradition of pretending a marriage is happy when one of the parties is miserable? Marriage is a matter of the heart, Mr. Higgins, not the law. When a marriage is over spiritually, then it should be over in fact.”

“You’re almost as much of a menace as she is,” he said with a harsh laugh. “Next you’ll be telling me you approve of divorce.”

“And you’ll be telling me you believe a fourteen-year-old girl forced to wed an alcoholic should stay with him all her life.” That was precisely what had befallen Victoria Woodhull. But rather than being beaten down by circumstances, she’d begun a crusade to free women from the tyranny and degradation of men.

“People must learn to live with the choices they’ve made,” he said. “Or is it your conviction that a woman need not take responsibility for her own decisions?”

“Like many women, Mrs. Woodhull wasn’t allowed to decide. And sir, you know nothing about me nor my convictions.”

“You’re a spoiled, overprivileged debutante who deals with boredom by stirring up trouble,” he stated. “If you really cared about the plight of women, you’d be over in the West Division, feeding the hungry.”

A smattering of applause came from some of the men.

“Women would be better served if men would simply concede their right to vote.”

“You should relocate to the Wyoming Territory. They allow women to vote there.”

“Then they don’t need me there,” Lucy insisted. “They have already won.”

“Such passion,” he said.

“Whether you’ll admit it or not, the entire universe revolves around feelings of passion.”

“My dear Miss Hathaway,” Mr. Higgins said reasonably, “that is exactly why we have the institution you revile—marriage.”

A curious feeling came over Lucy as she sparred with him. She expected to feel offended by his challenges, but instead, she was intrigued. When she looked into his eyes, a shivery warmth came over her. She kept catching herself staring at his mouth, too, and thinking about the way it had felt when he had whispered in her ear. The feeling was quite…sexual in nature.

“The institution of marriage has been the cornerstone of mankind since time was counted,” he said. “It will take more than an unhappy crackpot female to convince the world otherwise.”

“The only crackpot here is—”

“I beg your pardon.” Like a storm of rose petals, Phoebe Palmer entered the salon, her face a mask of polite deference. The finishing school’s self-appointed doyenne of decency always managed to reel Lucy in when she teetered on the verge of disgrace. “Miss Lucy is needed and it’s ever so urgent. Come along, dear, there we are.” For a woman of the daintiest appearance, Phoebe had a grip of steel as she took Lucy by the arm. Without making a scene, Lucy had no choice but to follow.

“There is a name for the institution you advocate, Mr. Higgins,” she said, firing a parting shot over her shoulder. “Fortunately, slavery was rendered illegal eight years ago by the Emancipation Proclamation.”

Phoebe gave a final tug on her arm and pulled her through the doorway. “I declare,” she said, scolding even before they left the room, “I can’t leave you alone for a moment. I thought a Christian lecture would be safe enough, but I see that I was wrong.”

“You should have heard what they were saying,” Lucy said. “They said we were the gate of the devil.”

“Who?”

“Women, that’s who. You would have spoken up, too.”

Phoebe’s mouth twitched, resisting a smile. “Ah, Lucy. You’re always shooting your mouth off and getting in trouble. And I am constantly trying to stop you from committing social suicide.”

“I think I did that already, last August when I burned my corset at that suffrage rally.” Lucy extracted her arm from Phoebe’s grip. “Speaking of trouble, how is Kathleen getting along?”

“That’s why I came to get you.” Phoebe gestured toward the French doors, draped by fringed velvet curtains. “She is flirting outrageously with Dylan Kennedy.”

Lucy followed her gesture and spied Kathleen O’Leary in an emerald gown, her head of blazing red hair bright against the backdrop of Mr. Dylan Kennedy’s dark suit. Watching them, she felt a keen sense of satisfaction. Kathleen was much more than a lady’s maid. She was their friend. And tonight, she was their pet project.

Their prank was a social experiment, actually. Lucy claimed it was possible to take an Irish maid, dress her up in finery, and no one would ever guess at her humble background. Phoebe, an unrepentant snob, swore that people of quality would see right through the disguise.

Framed by the French doors, Kathleen tilted her head and smiled at Mr. Kennedy, one of the most eligible bachelors in Chicago. The night sky in the background seemed to glow and pulse with the city lights. As she watched, Lucy felt a tug of wistfulness. They were both so attractive and romantic, so luminous with the sparkling energy that surrounded them. She could not imagine what it would be like to have a man admire her that way.

“Well,” she said briskly to Phoebe. “One thing is clear. I have won the wager. You must donate a hundred dollars to the Women’s Suffrage Movement.”

“There’s still time for Kathleen to stick her foot in her mouth.” Phoebe sent Lucy a wry smile. “However, tonight that seems to be your specialty.”

Lucy laughed. “Only tonight?”

“I was trying to be polite.” She linked arms with Lucy again. “I wish Deborah had come with us this evening.”

A frisson of anxiety chased away Lucy’s good humor. “She seemed quite ill when we left Miss Boylan’s.”

“I’m sure she will be fi—Good heavens, it’s Lord de Vere.” Without a backward glance, Phoebe sailed off to greet the weak-chinned English nobleman, whom she hoped and prayed she might marry one day.

Lucy caught herself thinking about Mr. Higgins, and the way their public disagreement had led to private thoughts. It was a rare thing, to meet a man who made her think. She should not have antagonized him so, but she couldn’t help herself. He was provocative, and she was easily provoked.

As more people filed out of the lecture salon, she spotted him moving toward the adjoining room, and felt herself edging toward an admission. An admission, followed by a plan of action, for that was Lucy’s way. She saw no point in believing in something without acting on that belief.

What she admitted to herself, what she had come to believe, was that she was wildly attracted to Mr. Randolph Higgins. Until tonight, she’d never met a man who made her feel the lightning sting of attraction. It had to mean something. It had to mean that he was the one.

That was where her plan of action came in. She wanted him for her lover.

When he went over to a long table, laden with punch and hors d’oeuvres, she marched straight across the room to him. He gave no sign that he’d seen her, but when he turned away from the table, he held two cups of lemonade.

“You,” he said, handing her a cup, “are the most annoying creature I have ever met.”

“Really?” She took a sip of the sweet-tart lemonade. “I take that as a compliment.”

“So you are both annoying and slow-witted,” he said.

“You don’t really think that.” Watching him over the rim of her cup, she added. “I am complimented because I have made you think.”

Lord, but he was a fine specimen of a man. She felt such a surge of triumph that she could not govern the wide grin on her face. She’d found him at last. After a lifetime of believing she would never meet someone who could arouse her passion, share her dreams, bring her joy, she’d finally found him. A man she could admire, perhaps even love.

“Do I amuse you?” he asked, frowning good-naturedly.

“Why would you think that?”

“Because you keep smiling at me even though I have just called you annoying and—”

“Slow-witted,” she reminded him.

“Yes,” he said. “Rude of me.”

“It was. But I forgive you.” She glanced furtively from side to side. “Mr. Higgins, do you suppose we could go somewhere…a little less public?” Before he could answer, she took his hand and pulled him toward the now-empty lecture room. The dry windstorm that had been swirling through the city all evening battered at the windows. Gaslight sconces glowed on the walls, and orange light flickered mysteriously in the windowpanes. Rows of gilded chairs flanked a central aisle, and just for a moment, as she led him along the crimson carpet runner toward the front of the room, she had the fanciful notion that this was a wedding.

“Miss Hathaway, what is this about?” he asked, taking his hand from hers.

“I wanted to speak to you in private.” Her heart raced. This was a simple matter, she told herself. Men and women arranged trysts all the time. She should not get overwrought about it.

“Very well.” He propped his hip on the back of a chair, the pose so negligently masculine and evocative that she nearly forgot her purpose. “I’m listening.”

“Did you enjoy the lecture tonight, Mr. Higgins?”

“Honestly?”

“Honestly.”

“It was a crashing bore.”

Clearly he didn’t share her passion for debate. She pulled in a deep breath. “I see. Well, then—”

“—until a certain young lady began to speak her mind,” he added. “Then I found it truly interesting.”

“Interesting?”

“Yes.”

“And…provocative?”

“Most definitely.”

“Did you think it was…stimulating?”

He laughed aloud. “Now that you mention it.”

Her spirits soared. “Oh, I am glad, Mr. Higgins. So glad indeed. May I call you Randolph?”

“Actually my friends call me Rand.”

She most definitely wanted to be his friend. “Very well, Rand. And you must call me Lucy.”

“This is a very odd conversation, Lucy.”

“I agree. And I haven’t even made my point yet.”

“Perhaps you should do so, then.”

“Make my point.”

“Yes.”

Ye gods, she was afraid. But she wanted him so much. “Well, it’s like this, Mr.—Rand. Earlier when I spoke of passionate feelings, I was referring to you.”

His face went dead white. His mouth moved, but no sound came out.

“You see,” she rushed on, “I’ve always wanted to have a lover. I never did encounter a man I wanted to spend my life with, and if I took a lover I would simply have no need of a husband.”

“Lucky you.” Some of the color, and arrogance, returned to his handsome face.

She could sense suppressed laughter beneath his wry comment. “But I wouldn’t want a love affair just for the sake of having one. I’ve been waiting to meet a man I felt attracted to.” She looked him square in the eye. “And I’ve found you at last.”

The humor left his expression. “Lucy.” The low timbre of his voice passed over her like a caress.

“Yes?”

“Lucy, my dear, you are a most attractive girl.”

She clasped her hands, thoroughly enchanted. “Do you think so?”

“Indeed I do.”

“That is wonderful. No one has ever thought me attractive before.” She was babbling, but couldn’t help herself. “My mother says I am too intense, and far too outspoken, and that I—”

“Lucy.” He grasped her upper arms.

She nearly melted, but held herself upright, awaiting his kiss. She’d never been kissed by a man before. When she was younger, Cornelius Cotton had kissed her, but she later found out his older brother had paid him to do it, so that didn’t count. This was going to be different. Her first honest-to-goodness kiss from the handsomest man ever created.

Late at night, she and the other young ladies of Miss Boylan’s would stay up after lights-out, whispering of what it was like to kiss a man, and of the ways a man might touch a woman. One thing she remembered was to close her eyes. It seemed a shame to close them when he was so wonderful to look at, but she wanted to do this right. She shut her eyes.

“Lucy,” he said again, an edge of desperation in his voice. “Lucy, look at me.”

She readily opened her eyes. What a glorious face he had, so alive with character and robust health and touching sincerity. So filled with sensual promise, the way his lips curved into a smile, the way his eyes were brimming with…pity? Could that be pity she saw in his eyes? Surely not.

“Rand—”

“Hush.” Ever so gently, he touched a finger to her lips to silence her.

She burned from his caress, but he quickly took his finger away.

“Lucy,” he said, “before you say anymore, there’s something I must tell you—”

“Randolph!” a voice called from the doorway. “There you are, Randolph. I’ve been looking all over for you.”

Lucy turned to the back of the salon. There, in the doorway, stood the most stunning woman she’d ever seen. Petite, blond and willowy, she held her lithe body in the shape of a question mark, clad in a beautiful gown bearing the trademark rosettes of Worth’s Salon de Lumière. In a rustle of perfumed silk, she moved toward them, hand outstretched toward Rand.

“I’ve found you at last,” the gorgeous blond woman said, her words an ironic echo of Lucy’s.

Rand’s pallor quickly changed to dull red as he bowed over her hand. “Miss Lucy Hathaway,” he said, straightening up and stepping out of the way, “I’d like you to meet Diana Higgins.” He slipped an arm around her slender waist. “My wife.”

Chapter Two

For a few seconds, only the wailing of the night wind filled the silent void. Something, some bizarre state of nerves in those endless seconds, gave Rand a heightened sensitivity. The pads of his fingers, resting at the small of his wife’s back, detected the smooth, taut silk over the armored shell of her corset. From a corner of his eye, he saw Diana’s expression change from mild curiosity to keen nosiness. And although she probably did not mean to be audible, he heard Miss Lucy Hathaway breathe the words, “Oh. My.”

Just that, coupled with an expression probably shared by Joan of Arc at the moment of her martyrdom. She looked as though she was about to vomit.

Foolish baggage, he thought. This was no less than she deserved for making outrageous proposals to strange men.

“How do you do, Miss Hathaway?” Diana said, unfailingly polite as she always was in social situations.

“Very well, thank you, Mrs. Higgins. It’s a distinct pleasure to make your acquaintance.” Lucy didn’t shrink from Diana’s probing gaze.

Despite his opinion of the radical young woman’s views, Rand could not deny his interest. She was not only the most annoying creature he’d ever met, she was also the most compelling. Dark-haired and dark-eyed, she had a heart-shaped face. Her pointed chin, high brow and wide eyes gave her an expression of perpetual wonder. The passion and sensual awareness she’d spoken of so boldly seemed to reside in the depths of those velvety dark eyes, and in the fullness of her lips.

Yet as quickly as she’d shocked him with her outrageous proposal, she seemed to come to heel like a spaniel trained to obedience when thrust into a social situation. She dutifully exchanged pleasantries with Diana, who described their recent move from Philadelphia, and chatted about the unseasonable heat that plagued the city, robbing Chicago of the clear, chill days of autumn.

“Well, I must thank you for keeping my husband entertained,” Diana remarked. “He was quite certain this would be a hopelessly dreary evening.”

Rand shifted beneath a mixed burden of guilt and irritation. During the argument they’d had prior to his coming to the evening’s event, he’d claimed she’d be bored by a bombastic evangelical reading, and that the only reason he was attending was to make the acquaintance of the prominent businessmen of Chicago.

The irony was, he’d really meant it.

Lucy Hathaway clasped her hands demurely in front of her. “I’m afraid I’ve failed, then,” she said. “Your husband doesn’t find me at all entertaining. Quite the contrary. I fear I’ve offended him with my…political opinions.”

“You’re not offensive, Miss Hathaway,” Rand said smoothly. “Merely wrong.”

“Isn’t he charming?” Diana laughed. Only Rand, who knew her well, heard the contempt in her voice.

Miss Hathaway moved toward the door. “I really must be going. I don’t like the look of the weather tonight.” She curtsied in that curious trained-spaniel manner. “It was a pleasure to meet you both, and to welcome you to Chicago. I hope you’ll be very happy here.” In a swish of skirts and wounded dignity, she walked out of the salon.

“What an odd bird,” Diana remarked in an undertone.

What a strangely charming bundle of contradictions, Rand thought. He was intrigued by women like Lucy. But he was also discomfited by a surprising and unwelcome lust for her. He’d engaged her in what he thought was a harmless flirtation, nothing more, but she had taken him seriously.

“How on earth did you get stuck with her?” asked his wife.

He’d seen her sitting alone at the back of the salon, and pure impulse had compelled him to sit down beside her. He thought about the way Lucy had taken his hand later, captured his gaze with her own and confessed her attraction to him. But to his wife, he said, “I have no idea.”

“Anyway, you did well,” Diana declared. “It’s important to impress the right people, and the Hathaways are undoubtedly the right people.”

“What are you doing here? Is Christine all right?” he asked.

“The child is fine,” Diana said. “And I came because I am the one who is sick, not our daughter. I am positively ill with boredom, Randolph. All I’ve done all day long is sit by the window watching the boats on the river and the traffic going over the bridge to the North Division. I’m so tired of living like a gypsy in a hotel. Shouldn’t you have started work on the house by now?”

“You’re sure Christine’s fine,” he said, ignoring her diatribe. Their fifteen-month-old daughter was the bright and shining center of his life. Earlier in the evening she’d been fretful, a little feverish, and he’d convinced Diana to stay at Sterling House rather than leave Christine with the nurse.

“The baby was fast asleep when I left,” Diana said. “Becky Damson was in the parlor, knitting. I thought you’d be delighted to see me, and here you are, flirting away with the most famous heiress in Chicago.”

“Who? Lucy?”

“And on a first-name basis, no less. The Hathaways are an Old Settler family. Her father is a war hero, and her grandfather made a fortune in grain futures. If you hope to be a successful banker, you’re supposed to know these things.”

“Ah, but I have you to keep track of them for me.”

“Apparently I need someone to keep track of you,” she observed.

Already regretting the brief flirtation, he vowed to devote more attention to his increasingly unhappy wife. No matter what he did, it wasn’t enough. She’d been dissatisfied with their life back in Philadelphia, so he’d moved her and their baby daughter to Chicago.

He was trying to launch a career in banking while Diana frantically shopped and planned for the grand house they intended to build on the fashionable north shore. But even the prospect of a palatial new residence failed to keep her discontent at bay.

“Come and meet Mr. Lamott,” Rand suggested, knowing she would be impressed, and that Jasper Lamott—like every other man—would find his wife enchanting.

As he escorted her into the reception salon, Rand fought down a feeling of disappointment. When he and Diana had married, he’d been full of idealistic visions of what their life together would be like. He had pictured a comfortable home, a large, happy family putting down roots in the fertile ground of convention. They were things he used to dream about when he was very young, things he’d never had for himself. But as the early years of their marriage slipped by, Diana paid little attention to roots or family. She seemed more interested in shopping and travel than in devoting herself to her husband and child.

He kept hoping the move to Chicago would improve matters, but with each passing day, he was coming to understand that a change of venue was not the solution to a problem that stemmed from the complicated inner geography of his heart.

He caught himself brooding about Lucy Hathaway’s bold contention that women were stifled by the unfair demands foisted upon them by men who shackled them with the duties of a wife and mother.

“Do you feel stifled?” he asked Diana.

She frowned, her pale, lovely face uncomprehending. “What on earth are you talking about, Randolph?”

“By Christine and me. Do you feel stifled, or shackled?”

She frowned more deeply. “What a very odd question.”

“Do you?”

She took a step back. “I have no idea, Randolph.” Then she fixed a bright, beautiful, artificial smile on her face and walked into the reception room.

Rand couldn’t help himself. He kept trying to catch a glimpse of Lucy Hathaway, but apparently she and her friends had already left the hotel. For the past forty minutes, he’d wanted to do the same, anxious to get back to Sterling House and his daughter. She would be asleep by now, but that didn’t matter. He loved to watch Christine sleep. The sight of her downy blond curls upon a tiny pillow, her chubby hands opened like stars against the quilt, always filled him with a piercing tenderness and a sense that all was right with the world.

Diana had never been quite so well-entertained by their daughter, although she was proud of Christine’s beauty and loved the admiring comments people made when they saw the baby. At the moment she was gossiping happily with the mayor’s nieces and showed no sign of wanting to leave.

Restless, Rand went to the tall windows that framed a view of the city. Gaslight created blurry stars along the straight arteries of the main thoroughfares and the numerous tall buildings of the business district gathered around the impressive cupola of the massive courthouse.

“Quite a sight, isn’t it?” asked a slender, vaguely sly-looking young man.

Philip Ascot, Rand recalled. Ascot, with some combination of Roman numerals after his name to prove to the world that the family hadn’t come up with an original name in several generations.

It was a mean, petty thought, borne of impatience. Still, he had a low opinion of Ascot, who claimed to be in the publishing business but who, as far as Rand could tell, intended to make his fortune by marrying one of the debutantes of Miss Boylan’s finishing school. Lucy? he wondered, recalling Diana’s assessment that the Hathaways were stinking rich.

Rand stifled a grin. Lucy would make duck soup of a fellow like Philip Ascot.

“It is indeed,” he said at last. Flipping open the gold top of his pocket watch with his thumb, he checked the time. “It’s a bit late for sunset, though.”

“Oh, that’s another fire in the West Division,” Ascot informed him. “Didn’t you hear?”

A cold touch of alarm brushed the back of his neck. “I heard there was one last night, but that it had been brought under control.”

“It’s been a bad season for fires all around. But I can’t say I’m sorry to see the West Division burn. It’s a shantytown, full of immigrant poor. Could stand a good clearing out.” Ascot tossed back a glass of whiskey. “Nothing to worry about, Higgins. It’ll never get across the river.”

Even as he spoke, an explosion split open the night. From his vantage point, Rand saw a distant flash of pure blue-white light followed by a roaring column of pale yellow flame.

“It’s the gasworks,” someone yelled. “The gasworks have blown!”

Rand crossed the reception room in three strides, grabbing his wife by the arm. “Let’s go,” he said.

“Randolph, you mustn’t be rude—”

“We’re leaving,” he said. “We’ve got to get home to Christine.”

Chapter Three

The big, blocky coach with the crest of Miss Boylan’s school on the door lumbered through streets jammed with people. Every few feet, the driver was obliged to stop and make way for the firefighters’ steam engines or hose carts.

“It’s spreading so quickly.” Phoebe Palmer pressed her gloved hands to the glass viewing window. “Who could imagine a fire could move so fast?”

She clearly expected no answer and didn’t get one. Both Lucy and Kathleen O’Leary were lost in their own thoughts. Kathleen was particularly worried about her family.

“I knew I shouldn’t have come,” she said, her customary easy confidence shaken by the sight of the fleeing crowds. “I shall burn in hell entirely for pretending to be a great lady.”

“If we don’t start moving any faster,” Phoebe said, “we shall burn right here in Chicago.” She yanked at the end of the speaking tube and yelled at the driver to hurry. “There’s an abandoned horsecar in the middle of the avenue,” she reported, cupping her hands around her eyes to see through the fog of smoke and sparks. “Driver,” she yelled again into the tube, “go around that horsecar. Quickly.” With a neck-snapping jerk, the big coach surged forward. Phoebe scowled. “He’s usually better at the reins,” she commented peevishly. “I shall have to speak to Miss Boylan about him.”

As the coach picked up speed, Lucy patted Kathleen’s hand. “None of this is your fault, and you’re surely not being punished for a silly prank.” To distract her, she added, “And it went well, didn’t it? Everyone at the reception believed you were a famous heiress from Baltimore.”

Just for a moment, excitement flashed in Kathleen’s eyes. How beautiful she was, Lucy thought. What would it be like to be that beautiful?

But then Kathleen sobered. “I lost my reticule. Miss Deborah’s reticule, actually, for haven’t I borrowed every stitch I have on except my bloomers? And I made a fool of myself altogether over Dylan Kennedy.”

“So did half the female population of Chicago,” Phoebe pointed out, sounding unusually conciliatory.

“All those worries seem so small now.” Kathleen turned her face to the window. “Blessed Mary, the whole West Division is in flames. What’s become of my mam and da?”

“I’m sure they’re fine,” Lucy said. “You’ll find them once everything is sorted out.”

“’Tis easy enough for the two of you to relax. Your families, bless them, are safe in the North Division. But mine…” She bit her lip and let her voice trail off.

Lucy’s heart constricted. Inasmuch as she envied Kathleen’s beauty, Kathleen coveted Lucy’s wealth. How terrible it must be to worry and wonder about her parents and brothers and sisters, living in a little wood frame cottage, her mother’s cow barn stuffed with mill shavings and hay.

Lucy thought of her own parents, and Phoebe’s, secure in their mansions surrounded by lush lawns and wrought-iron gates. The fire would surely be stopped before it reached the fashionable north side.

She’d grown up insulated from the everyday concerns of a working family. She knew better now, and in a perverse way, she wanted to repent for her privileges, as if by being wealthy she was somehow responsible for the ills of the world. Phoebe thought her quite mad for staggering around beneath a burden of guilt. Phoebe just didn’t understand. Because women of their station were complacent, ills befell those who had no power, women forced to endure drunken abuse from their husbands, giving birth year in and year out to children they could not afford to raise.

Lucy patted Kathleen’s hand. “I’ll help you find your family if you like.”

Phoebe pointed out the window. “Not tonight you won’t. Honestly, Lucy, I believe you would try to save the entire city if you could. You and your crusades.”

“If we don’t take the lead, then who will?” she asked. “The washerwoman bent over her ironing board? She doesn’t have time to eat a proper meal much less lead a march for equal rights. We’re the ones who have the time, Phoebe. We know the right people, for Lord’s sake, we were just at a gathering with every person of influence in the city. And what did we talk about?” She flushed, thinking of her conversation with Randolph Higgins. “The weather. The opening of Crosby’s Opera House tomorrow night. The contention that women are gates of the devil. It’s absurd, I say. I, for one, intend to make some changes.”

“Ah, Lucy.” Phoebe sighed dramatically. “Why? It’s so…so comfortable to be who we are.”

Lucy felt a stab of envy. Phoebe was content to be a society fribble, to let her father hand her—and a huge dowry—in marriage to some impoverished European nobleman, simply for the status of it all. Phoebe actually seemed to be looking forward to it.

Lucy felt a stronger affinity with Kathleen, an Irish maid who felt certain she’d been born into the wrong sort of life and had other places to go.

As she looked out the window and saw well-dressed families in express wagons and carriages practically running over stragglers clad in rags, outrage took hold of her.

“There is plenty of room in this coach,” she said, a little alarmed at the speed now. “We must stop and take on passengers.”

“Oh, no, you don’t.” Phoebe grabbed the speaking tube. “You’ll start a riot, the horses will balk and then no one will get where they’re going.”

Lucy spied a woman in a shawl, burdened with an infant in one arm and a toddler clinging to her other hand. Rolling up the leather flap covering the side window, she shot Phoebe a defiant look and leaned out the door. A flurry of sparks stung her face, and she blinked hard against a thick fog of smoke. “Driver,” she called. “Driver, stop for a mo—”

Then she stopped cold. She was speaking to nothing but smoky air. The driver had fled. There was no one controlling the team of horses.

She drew herself back into the coach. “I don’t suppose,” she said as calmly as she could, “either of you know of a way to get the team under control.”

Phoebe gave a little squeak and groped for her smelling salts.

Kathleen stuck her head outside the window. The coach swayed dangerously, and she clutched at the side. “Saints and crooked angels,” she said. “There’s no driver.”

She said something else, but Lucy couldn’t hear her because an explosion shook the night. Fueled by some forgotten store of kerosene or gas, a fireball roared down the street toward them. The coach jerked forward, narrowly evading the incendiary.

Lucy grabbed Kathleen’s skirt and pulled her in. Kathleen’s face was pale but firm. Phoebe moaned, looking dizzy and sick as buildings and people passed in a blur of speed. Then she pressed herself back against the tufted seat and shut her eyes, lips moving in desperate prayer.

Kathleen detached the stiff leather windshield of the coach, letting in a hot storm of sparks and smoke. Phoebe coughed and screamed, but Lucy made herself useful, helping Kathleen up to the driver’s seat. Kathleen, who had learned to drive on her mother’s milk wagon, tried to get hold of the reins, yelling “Ho!” at the top of her lungs.

The panicked team plunged down the street. The tallest structures in Chicago were burning, their high windows disgorging flames that lit the night sky. People were trapped in the upper stories, calling out the windows for help. Some of them dropped bundles of blankets containing valuables and breakables. Lucy was shocked to see that one of the bundles contained a live dog, which fought itself free of the bedding and ran off in a panic.

The horses churned along in confusion, knocking aside pedestrians and other vehicles as they headed straight for the heart of the fire. Phoebe screamed until Lucy grabbed her shoulders and shook her.

“That’s not helping, you goose,” she shouted, then prepared to climb up next to Kathleen, who had managed to catch hold of a flailing leather ribbon. Digging in her heels, she hauled back with all her might. Lucy grabbed the rein and added her strength to the tugging. The horses plunged and fought, but finally slowed.

Lucy let out a giddy laugh of relief. “Oh, thank—”

A second explosion crashed through the smoky night. The conflagration drew so much air that, for a moment, the flames around them died. The hot void left no air to breathe, then returned with a roaring vengeance. From the corner of her eye, Lucy saw Kathleen blown from her seat.

Lucy called to her, but the horses bolted again. Now she could do nothing but cling to the reins and pray.

Up ahead, the road veered sharply. The runaway team made the turn, but the coach teetered on two wheels, then went over. Lucy launched herself at Phoebe and they clung together. The coach landed on its side with teeth-jarring impact. The horses strained and whistled, trying to flee, but with the rockaway on its side, they could hardly move. The lead horse went up on its hind legs, raking the air with its hooves.

“Phoebe?” Lucy said, still holding her.

“Remind me to report the driver for negligence,” Phoebe said shakily.

Good, thought Lucy. If she was well enough to complain, then she was well enough to climb out.

“I’m going to try to get the door open,” she said. The door was now above her, and the latch had been torn away. She pounded with her fists, then put the strength of her back into it. Finally the small half door opened like a hatchway on the deck of a ship.

To her relief, Kathleen stood at the roadside, singed and disheveled, peering in.

“Are you all right?” the Irish girl asked.

“We are.” Lucy took her proffered hand and pulled herself out of the fallen coach. The panicked horses created a menace with their rearing and shrill whinnies.

“Help me,” Phoebe cried, her glass-beaded gown tearing.

Lucy and Kathleen pulled her out, and she began exhorting passersby for help. But the pedestrians had their own concerns and ignored her.

“It’s every man—every woman—for herself,” Lucy declared, feeling oddly liberated by the notion. “Let’s try to get the horses loose.”

“Loose?” Phoebe blew a lock of brown hair out of her face. “If we do that, they’ll run off and we’ll be stranded. We should try to get the coach upright again.” She studied the ominous blazing sky in the west. “We can’t outrun this fire on foot.”

“Everyone else is.” Lucy gestured at the bobbing heads of the crowd, borne along as if by a river current.

“Sir!” Phoebe shrieked at a man hurrying past.

He swung around to face her, and even Lucy felt intimidated. He was huge, clad in fringed buckskins, with long, wild hair. Even more terrifying was the large knife he took from the top of his boot. Phoebe’s knees buckled and she shrank against Lucy. “Dear God, he’s going to—”

The wild man cut the leather reins of the team. A second later, the horses galloped away, disappearing into a bank of smoke along with the stranger.

“He—he—the horses!” Phoebe said.

“At least they have a chance now.” Lucy grabbed Phoebe’s hand. “This way. We’ll go on foot.”

“I’ll do nothing of the sort.” Phoebe dug in her heels. “I won’t get half a block in these shoes.”

Lucy was losing patience, but the sight of bellowing flames, marching like an army toward them, kept her focused on escape. She spied a flatbed wagon and hailed the driver, yanking off a ruby brooch as he approached. “Can you give us a ride?” she asked.

He snatched the jewel, swept his gaze over her and jerked a thumb toward the rear of the cart. “Don’t let anything fall off,” he said.

The load of rolled carpets, gilt paintings and furnishings teetered precariously as the wagon lurched along the road. The sky burned so brightly that Lucy had to squint to look at it.

She was doing just that when Kathleen jumped off the back of the cart and ran toward a bridge to the West Division. Lucy screamed her name, but this time it was Phoebe who was the voice of reason. “Let her go.” Phoebe coughed violently. “She won’t rest until she gets home, and we must do the same. Our way is north, Lucy. You know it is.”

Shaken, Lucy clutched her friend’s hands and tried not to wonder if they would ever see Kathleen again.

The Chicago River cut a line from east to west across the city before turning south, where the conflagration had started. The howling windstorm had fanned an ordinary fire into a holocaust riding a gale, moving with voracious speed, devouring everything in sight.

Lucy had never seen such a powerful force of nature. The fire smashed through whole neighborhoods at a time, destroyed reputedly fireproof buildings and then did the unthinkable—it leaped across the south branch of the river.

The wind was the fire’s greatest ally, driving the flames from rooftop to rooftop. Wooden shingles offered fuel for the blaze to feast upon. In the famous shopping district known as Booksellers Row, the buildings burned from the ground upward.

All those lovely books. Lucy winced at the thought of them being incinerated.

A towering dervish of flame reared at the end of the block, illuminating and then overtaking a throng of people.

Phoebe’s face turned pale in the angry light. “Did you see that?” she asked Lucy.

“I did.” As far as Lucy could tell, they were on Water Street, heading eastward toward the lake. She supposed that the driver would attempt to cross the river at the State or Rush Street Bridges into the North Division.

“The flames are moving faster than a person can run.” Phoebe craned her neck and shouted over the stacked bundles in the wagon, “Driver, do hurry! The fire is closing in!”

“I can’t go any faster than the crowd in front of me,” he yelled in a hoarse voice, ragged from the smoke.

The closer they came to the lake, the denser the mob grew. The river was choked with boats and barges trying to get out onto the open water. The taller ones couldn’t clear the bridges, and many caught fire as they waited for the bridges to rotate. As Lucy watched, a boy climbed the rigging of a sloop and scrambled up to the bridge, hoisted by someone in the crowd. But for the most part, people stampeded across in heedless terror, dropping things along the way, pushing strangers aside in ruthless terror.

Lucy’s father, Colonel Hiram B. Hathaway, always said that a disaster brought out the best and worst in people, and she realized that she was witnessing the truth of it—timid men performing acts of heroism, pillars of society trampling the wounded in their haste to get to safety.

Her parents lived in the tree-shaded splendor of an elegant neighborhood to the north, but that didn’t mean her family was safe. Aggressive, blustering and imperative, the Colonel, as he was known even though he was retired, had a public spirit that would not rest. If the city was burning, he was bound to launch himself into the thick of things.

A decorated war veteran, he was an expert in ammunition and explosives. This would make him particularly useful to those in charge of fighting the fire. The fire companies had resorted to blowing up the buildings in the path of the fire, robbing it of fuel. No doubt the Colonel would be directing the operations, his bewhiskered face ablaze with energy as he planned strategy to battle the flames.

In the midst of danger and mayhem, the thought of her father brought Lucy a needed measure of fortitude. Though he often grew exasperated with his outspoken daughter, the Colonel never treated her with anything less than respect. From a long line of old New England blue-bloods, he was a gentleman to his core. He’d attended West Point, married the most socially prominent girl in Chicago and had distinguished himself in battle at Kenaha Falls, Bull Run and Vicksburg.

But as she grew up, Lucy came to realize that his love and devotion to her and her mother manifested itself in a protectiveness so fierce it was stifling. The Colonel tried to shield his daughter from everything—hunger, hurt, ugliness. He didn’t understand that, in protecting her from what he considered life’s ills, he was walling her off from life itself.

When she asked after the state of his business affairs, he would brush aside her queries, declaring that she needn’t worry her pretty head about such vulgar matters. While her mother was ready enough to accept his patronizing ways, Lucy was indignant.

“For one thing,” she once said to him, “my head is not pretty. For another, I can decide for myself what is worrisome and what is not.”

Yet for all their differences, they shared a deep love and respect for each other, and Lucy said a silent prayer for her father’s safety.

Reflecting on the evening at the Hotel Royale, she felt more foolish than ever. Of all the social outrages she had committed, tonight’s faux pas had been the worst. When people looked back on this date, they would recall it as the night Chicago had burned to the ground.

But not Lucy. For the rest of her life, she would remember a far different disaster—this was the night she had brazenly propositioned a married man.

Chapter Four

“Did you see what Mrs. Pullman was wearing?” Diana asked as she and Rand left the Hotel Royale. Brushing impatiently at a flurry of sparks that flew around the hem of her gown, she added, “Her jewels were positively vulgar. She wasn’t nearly as vulgar as that snippy little suffragist you were entertaining, though. If not for her family name, she’d be a pariah, wouldn’t she, Randolph?”

Knowing she didn’t expect a response, Rand tucked her hand more firmly into the crook of his arm and scanned the roadway. They had only been in Chicago for a short while, so he was unfamiliar with the city. But the streets were laid out in a neat grid, and he knew they had to head north to Water Street, where Sterling House was located.

An express wagon rattled by, but the driver ignored Rand’s raised arm. A few hansom cabs, crammed with occupants, passed them without slowing. “We’re wasting time trying to hire a ride,” he said. “We’d best go on foot.”

“Don’t be ridiculous, Randolph. I never walk anywhere.” She drew her mouth into the sweetest of pouts. “Let’s wait until something returns to the livery stables.”

He clenched his teeth in frustration. On the one hand, he didn’t want to alarm her about the fire. But on the other, he wanted her to understand the need to hurry. They had to get to their daughter and make sure she was all right.

The one option he never considered was leaving Diana. He’d sling his wife over his shoulder like a caveman if he had to, but he would never leave her. “We’re walking,” he finally said, pulling her along. “You can yell at me on the way.”

Diana apparently decided that silence was a better punishment. She didn’t speak to him, though she clutched his arm and leaned on him every few steps. Her fashionable, imported shoes were unsuited for walking any distance.

It was just as well she didn’t speak, for he wasn’t all that kindly disposed to his wife at the moment. He’d counted on her to stay with Christine. Instead, she’d grown bored and joined him at the lecture. Some men might have been flattered, but Rand knew Diana all too well. She hadn’t come looking for him. She’d come seeking a diversion from her boredom and had left their daughter in the care of someone they barely knew. Becky Damson seemed a fine young woman, but he had learned long ago not to trust appearances.

After this night was over, Rand decided, he would find a way to turn Diana’s attention and enthusiasm to the needs of her family. He wasn’t certain how to go about it. Some women derived fulfillment from their duties as wives and mothers. He’d seen it himself, though not in his own mother.

The memory ignited a bitterness in Rand that never seemed to mellow. When he was ten years old, Pamela Higgins had walked away from her husband and young son, never to return. Rand had been raised by Grace Tem-pleton Higgins, his paternal grandmother.

But his mother’s departure had left a hidden wound in his soul that he’d carried around all his life. When he’d started a family of his own, he had sworn he would never have the sort of wife who would abandon her family.

A blast sounded in the next block, and a fountain of sparks mushroomed in the sky. Whipping off his frock coat, Rand covered Diana’s head and shoulders with it. She huddled close against him, and despite their annoyance at each other, he felt a surge of tenderness toward her.

“We’ll be home soon,” he said. “I imagine it’s only a few more blocks.”

“That’s what you said a few blocks ago.”

Another blast ripped through the neighborhood, tearing the awnings from buildings and leaves from the few trees still standing. In the smoky distance, Rand made out a crew of militia men with a two-wheeled cart loaded with explosives.

“What on earth is happening?” Diana asked.

“They’re blasting away buildings to create a firebreak.”

In the road ahead, the fire spun and whirled across rooftops. His gut tightened, and he quickened his pace. His instincts screamed for him to run toward his baby daughter, but he couldn’t leave Diana.

People jostled one another in a mad dash for the river or the lakefront. Family groups moved in tight clusters—men with their arms around their wives, women carrying babies or clutching toddlers by the hand. The sight of the children tore at him. He heard Christine’s name in the hiss of the wind.

He thought about how casually he’d left her tonight, how casually he always left her, certain that he would return. Now, as he fought and jostled his way through the packed street, he was haunted by images of his daughter.

On the day she was born, his heart had soared. At last he had what he’d always dreamed of—a family. He’d created something enduring and true. That very day he’d bought two cases of rare champagne, packing them away to bring out on the occasion of her wedding. It was a sentimental gesture, though he was not a sentimental man. But Christine had found a place in his heart where softness dwelled, and he cherished her for finding that part of him.

Tightening his grip on Diana’s hand, he felt his wife’s mounting fear, heard it in the little gulping breaths she took. As he forged ahead, Rand bargained with fate: He would devote more time to Christine. He’d work harder to please Diana, quit flirting with women no matter how provocative he found them and find a way to make Diana more content in her role as wife and mother. If only he could save his child.

Everything came to a standstill at a jammed intersection near Courthouse Square. Too many streets converged here, and chaos ruled. Disoriented, Rand wasn’t sure of the way north.

“Which way to Water Street?” he bellowed at a passing drayman with a lurching, overloaded cart. The man didn’t look at him but pointed. “You’ve got three blocks to cover and it’ll be hard going. There’s a bad flare-up ahead.” A gap opened up and he drove his cart through it.

Rand pressed on. He noticed that Diana had fallen silent again, and he slipped his arm around her waist. “We’ll get there,” he promised, but a sudden explosion drowned his words.

“Look at the sky.” She pointed at the wavering, burnished horizon ahead. “The whole city is on fire.”

He led the way up a side street. In the middle of the roadway, a police paddy wagon had broken its axle. Swearing, the driver opened the wagon and fled while the conveyance disgorged a dozen convicts in striped shirts and trousers. Some of the prisoners swarmed into burning shops, but one of them advanced on Rand and Diana. Firelight flashed in his flat, dangerous eyes as his gaze traveled over Diana’s gown and jewels.

He raised a rocklike fist. “Give me all your valuables. Now.”

Diana gave a squeal of alarm and buried her face in Rand’s shoulder.

Rand pulled away from her. In an instant, his fear for Christine and frustration with the crowds crystallized into a pure and lethal rage. He didn’t will himself to act, but the next thing he knew, he had the convict shoved up against a concrete wall, his hand clamped over the man’s windpipe.

“Get the hell away from us,” Rand said, his voice harsh with a deadly purpose.

The looter gagged, clawing at the hand on his neck. Rand let him go and backed off, sick at the thought of what he’d nearly done. The convict staggered away and disappeared into the crowd.

“Heavens, Randolph, I’ve never seen you like that,” Diana said.

The breathless admiration in her voice did not please him. He took her hand again. “We’re almost there. Hurry.”

“I can’t see a thing through this smoke.”

Rand pulled her along as fast as he could. Buildings burned from the roof down and others from the ground up. People dropped bundles from windows and exterior staircases. A ladder crew helped women trapped in a tall building, and the rescued ladies scattered like ants when they reached the street.

“Surely Sterling House has already been evacuated. Becky Damson would have fled to safety.” Diana’s eyes streamed as she spoke between panting breaths. “Yes, Becky’s got a good head on her shoulders. She is probably already at the lakeshore with Christine, waiting for us to find them. That is where we must go—to the lake.”

Rand could think of no reply and she didn’t seem to expect one. He prayed Diana was right about the nursemaid. Miss Damson had been recommended by the concierge of the hotel. But Rand had assumed she would be an adjunct to Diana, not a substitute.

He ground his teeth together, for he knew if he spoke they would be words of recrimination. And what was the point of that, especially here and now?

The wind picked up, and there was no way to stay ahead of the flames. He could hardly see his own wife in the thick curtain of smoke. For a few detached moments he felt adrift, his sense of direction unseated by a force too huge to control.

Rand didn’t like things he couldn’t control.

He drove himself harder, pulling insistently at Diana, who by now was so exhausted that she lacked the energy to complain. He focused on one thing and one thing only—getting to Christine.

They passed Ficelle’s Paint and Varnish Factory, a long, low building that covered half a block. Firebrands rained down on the roof of the factory, and an ominous glow throbbed behind its small, square windows.

“I think we’re almost there,” Rand told his wife. “Only a block to go.”

Diana coughed. “I can’t see anything.”

“It’s just there, see?” His heart lifted as he spotted the distinctive dome of Sterling House.

Then a roaring gust of wind cleared the smoke like the parting of a curtain. It gave Rand a glimpse of hell. Sterling House, where he’d left his baby daughter, was engulfed in flames.

“No!” he bellowed, and for the first time, he let go of Diana’s hand.

As he started to run, an unnatural and toxic burst of white heat flared inside the varnish factory. A flash, followed by an earsplitting explosion, shattered the night. The detonation sucked the oxygen from the air, from his lungs, even.

The force of it picked him up off his feet and blasted him backward. The landing broke his arm; he could feel the dull snap of the bone, the stunning pain. Gritting his teeth, he dragged himself up and dove for Diana, who lay slumped on the pavement.

As he covered her body with his own, chunks of brick from the collapsing building rained over him. With his good arm, he tried to hold on to his wife and pull them both away, but the shower of bricks turned to a deluge. Rand could feel the breaking of his ribs, and then his shoulder was struck numb. The falling rubble kept coming in a thick, deadly avalanche, burying him and Diana.

No oh no oh please…The disjointed plea was drowned by the lethal crash of the building. Diana made a sound—his name, perhaps—and her hands clutched at him. Something hard and sharp struck his skull.

He had the sensation of floating, though he could not have moved amid all the falling bricks. There was no pain anymore. Only light. A hole in the sky, its edges burning, a white glow in the center.

And then there was nothing.

Chapter Five

“Look at that,” Phoebe said, indicating a building by the river. “The hose crew has simply abandoned Sterling House.”

The fashionable hotel’s distinctive glass dome glowed bright yellow as flames licked up its walls. In the smoke-filled street in front of the residence, a cart was reeling in its hoses and moving on.

“I imagine they realized they could never control the fire,” Lucy said. They’d seen so much destruction on the slow journey to the bridge that she began to feel as beaten down as the crew. “Let’s pray the building was evacuated,” she added. Most of the hotel’s windows disgorged mouthfuls of flame. But on the second story, a single window stared at her like a blank, dark eye.

As they drew closer to the river, she spied an elderly man struggling along the roadside with painful slowness. When a woman bumped him in her rush to the bridge, he stumbled.

“Driver, stop for a moment!” Lucy jumped out of the cart. “I’m going to give my seat to that gentleman,” she said. Phoebe opened her mouth to deliver the expected protest, but Lucy held up her hand. “Don’t waste time arguing,” she said, pulling the shaken, wheezing man to the cart and tucking a saddle blanket around him. “You’ve got to get across the river before the bridge gets even more crowded.”

“But if you do something noble, then I shall have to,” Phoebe wailed.

“Dear, you must stay with the cart,” Lucy said, accustomed to mollifying her friend. “The most noble thing you can do is hold fast to this gentleman and keep him in the cart. I’ll follow on foot.”

The elderly man shuddered and closed his eyes. Lucy put Phoebe’s arm around his shoulders and signaled to the driver to move on. Just then an earsplitting explosion knocked her to her knees. Phoebe squealed and the cart lurched forward, disappearing into a wall of boiling smoke. Someone shouted that a varnish factory had just exploded.

Lucy stayed down on hands and knees, trying to recover the breath that had been knocked out of her. Her lungs seized up, unable to fill. She was suffocating. Lightheaded, half-mad thoughts shot through her mind, but her air-starved brain couldn’t grasp them.

The firelit images around her left a trail through the night sky, like the tails of bright comets. The wind had an eerie voice all its own, keening through the flaming row of doomed buildings. Flying debris—paper, clothing, sheets of metal—littered the air. Everyone else had disappeared. The last of the stragglers had gone to the bridge and there was no one in sight. Focus, she told herself. She stared at a burning building across the way. She’d gone to the very exclusive Sterling House for tea a time or two, her stomach in knots from the lecture her mother had given her on acting like a lady, sipping her tea demurely, nodding in agreement with anything a man cared to say, keeping her scandalous opinions to herself.

She wasn’t sorry to see the last of that place.

What she saw next reinflated her lungs with a gasp of terror. The second-story window, the one she’d seen earlier, was now filled with flame—and a woman holding a bundle, screaming.

Without any conscious effort, Lucy propelled herself across the street.

The fire lashed out with a roar, its long tentacles of flame reaching for the hysterical woman trapped in the window, grasping her.

Lucy stood alone under the window, the heat singeing her eyebrows and lashes. She had no idea how to help the poor woman. The hotel entry was impassable, its doors blasted out by the flames, the marble lobby melting in the inferno. She looked around wildly for a ladder, a rope, anything.

The woman’s screaming spiked to a shrill peal of hysteria. Her dress or nightgown had caught fire. A second later, the screaming stopped. Then something fell from the window.

Simple reflex caused Lucy to hold out her arms. The impact knocked her to the pavement, and once again the air rushed from her lungs. A cracking sound, like the report of a shotgun, split the air. The walls of the hotel shook, and the roof caved in, sucking down the big glass dome, and then the flaming rubble of the building itself. The woman disappeared, swallowed like a pagan sacrifice into the devouring flames.

Lucy sensed a movement in the bundle she held, but there was no time to check. She forced herself to scramble to her feet. Still clutching the bedding, she ran for her life, hearing the swish of raining glass and the boom of gas lines igniting. With a glance over her shoulder, she saw a geyser of smoke and sparks where the hotel used to be. Racing to the river, she hurtled down the bank toward the water. She slipped in the mud, landed on her backside and slid downward into darkness. Firelight glimmered on the churning surface of the water, but the immediate area was sheltered from the flames.

Something buried within the bundle of bedding moved again.

Lucy shrieked and set it down. Planting her hands behind her, she crab-walked away.

Then she heard a sound, the mewing of a kitten.

“Oh, for heaven’s sake,” she said, disgusted with herself. “The poor woman was trying to save her cat.” What a noble deed, she thought. The woman must have known she could not survive the fire, and as her last act on earth she’d bundled up her pet and tossed it to a stranger for safekeeping.

Hurrying now, Lucy knelt down beside the untidy parcel. The least she could do for the doomed woman was look after the cat. Firelight fell over her, and she felt a fresh stab of panic, knowing she’d best get over the bridge to safety.

The bulky parcel had been tied with satin ribbons of good quality, a man’s leather belt and a long organdy sash. A lady’s robe or peignoir formed the outer wrapping, and inside that were two pillows, a quilt and what appeared to be an infant’s receiving blanket.

With more urgency than a child on Christmas morning, Lucy removed the wrappings, hoping the cat wouldn’t bolt once she freed it.

It didn’t bolt. It wasn’t a cat.

Lucy shrieked again, this time with surprise, not fear.

Her shriek caused the little creature to wail in terror, round mouth open like the maw of a hatchling wanting to be fed.

Except it wasn’t a hatchling, either. It was a baby. No, a toddler.

Lucy couldn’t speak, couldn’t even think. The firelight winked over the child, who kept wailing and pedaling chubby legs under a long pale gown.

“Oh, God,” Lucy whispered. “Oh, Lord above.” She could think of nothing more to say, and had no idea what to do. A baby. She’d saved somebody’s baby.

She couldn’t tell if it was male or female, though she saw with some relief that it was moving and bawling with great vigor. The fall from the window hadn’t hurt it in the least. It must be hardier than it looked, then.

“Who…what on earth am I going to do with you?” Lucy asked, looking the child in the eye.

Something in her tone or her look must have caught the baby’s attention, for it stopped crying and simply stared at her.

“Well?” she asked, encouraged.

The baby took a deep breath. Lucy actually thought it might speak to her, though she realized it was a very young child. Then it let loose with another wail. As she watched, it rolled over and crawled away, trailing the little blanket in the mud.

Lucy was completely at a loss. She’d never seen a baby up close before, but the sight of it, so helpless and lost, sparked a powerful instinct in her. She reached out and touched it, then tried to gather it up in her arms.

It was awkward, like trying to hold a wriggling litter of puppies, all waving limbs, surprisingly powerful.

“Come now,” Lucy said. “There, there.”

The baby quieted when she spoke, and stilled its flailing for a moment. The heated sky glowed ominously, and she knew she had to get them both to safety. When she stood, the child clung to her, its tiny hands clutching at her and its legs circling her waist.

“You poor thing,” she said, eyeing the burning sky. “We have to go. Once you’re safe, we’ll find out who you belong to.”

But in her heart of hearts, she already knew that the child’s mother had perished in the collapsing hotel. Somehow she would have to find its surviving family. Not now, though. Now, her challenge was to make her way to her parents’ home.

“Come along,” she said. Her hand curved around the baby’s head. The curly, fair hair was soft as down. “I’ll take care of you.” Keeping up a patter of encouraging words, she struggled with the ungainly burden of the child, climbing the riverbank toward the bridge. “You’ll be safe with me.”

“Oh, thank the Heavenly Father above, you’re safe.” Patience Gloriana Washington opened the door of the huge mansion on North Avenue to let Lucy in. Patience wore her plain preacher’s garb, a habit she’d adopted when she’d embraced poverty, but no somber robe could mask her naturally regal air. Though she had never set foot outside Chicago, she resembled an African princess. Famous for her magnetic preaching in Chicago’s largest Negro church, Patience was a close friend of the Hathaway family. Her older sister, Willa Jean, had been the Hathaways’ housekeeper since the war ended, and Lucy and Patience had practically grown up together.

“Land a-mercy, what you got there, girl?” she asked, regarding the muddy, bedraggled bundle in Lucy’s arms.

Lucy sagged against the door, exhausted, her arms shaking from carrying the baby all the way from the bridge. About ten blocks ago, it had fallen dead asleep, its head heavy on her shoulder, and now it rested there, ungainly as a sack of potatoes.

“It’s a baby,” she whispered, pushing aside the blanket to reveal a head of wispy golden curls. “Its mother bundled it up and dropped it from a window while the building burned and I—I caught it.” She took a long, shuddering breath. “Then the building collapsed, and I fear the woman died.”

“I swear, that’s a miracle for sure.” A soft glow suffused Patience’s face. “It purely is. Especially since—” She broke off. “Boy or girl?”

Lucy blinked. “I don’t know. There wasn’t time to check.”

“Land sakes, let’s take a look.” With expert hands, Patience took the sleeping baby into the parlor and gently laid it on an ottoman. The child stirred and whimpered, but didn’t fully awaken. She unpinned its diaper. “A girl,” she said. “A precious baby girl. Looks to be about a year old, more or less.”

Lucy stared in awe as Patience swaddled the child. A baby girl. She couldn’t believe she’d rescued a baby girl. The child stretched and yawned, then blinked. When she saw Patience’s face, she let out a thin wail.

“Oh, please,” Lucy said. “Please don’t cry, baby.”

When she spoke, the baby turned to her, and an amazing thing happened. Something like recognition shone in the little round face, and she reached up with chubby hands. The deep, fierce instinct swept over Lucy again, and she picked the little girl up. “There now,” she said. “There, there.” Nonsense words, but they made the crying stop.

Patience watched them both, her eyes filled with a sad sort of knowing. “The Almighty is at work tonight,” she murmured. “Sure enough, he is.”

For the first time, Lucy noticed streaks of hastily dried tears on Patience’s face. A chill slid through her, and she stood up, still holding the tiny girl. “What’s happened?”

Patience touched her cheek, her warm, dry hand trembling a little. “You best go see your mama, honey. Your daddy was bad hurt fighting the fire.”

Lucy felt the rhythm of dread pounding in her chest like a dirge.

“I’ll take the baby,” Patience offered.

“I’ve got her.” Lucy led the way up the stairs and rushed to her father’s bedroom, adjoined by double doors to his wife’s suite of rooms. Dr. Hauptmann was bent over the four-poster bed, and Viola Hathaway sat in a chair beside it. Patience’s sister, Willa Jean, knelt on the floor, crooning a soft spiritual.

Lucy had never seen her mother in such a disheveled state. She wore a dressing gown and her hair hung loose around her face. Holding her arms clasped across her middle, she rocked rhythmically back and forth, taking in little sobs of air with the motion.

“Mama!” Lucy hurried over to her. “Are you all right? What happened to the Colonel?”

The doctor stood up, pinching the bridge of his nose as if trying to hold in emotion. “I’m so sorry,” he murmured. “So very sorry.”

“Lucy, my dear Lucy,” her mother said, never taking her eyes off her husband. “He’s gone. Our dear dear Colonel is gone.”

Lucy’s arms tightened around the child, who had stopped crying and was making soft cooing sounds. She pressed close to the bed.

Colonel Hiram Hathaway lay like a marble effigy, as handsome and commanding in death as he’d been in life. In flashes of remembrance, she saw that face lit with laughter, those big hands holding hers. How could he be gone? How could someone as strong and powerful as the Colonel be dead?

“He went out to fight the fire,” Patience said. “You know your daddy. He’d never sit still while the whole city was on fire. He was with a crew of military men, knocking down buildings with dynamite. They brought him home an hour ago. Said he got hit on the head. He was unconscious, never even woke up, and right after we put him to bed he just…just went to glory.”

A choking, devastating disbelief surged through Lucy as she sank to her knees. “Oh, Colonel.” She used the name she’d called him since she was old enough to speak. “Why did you have to be a hero? Why couldn’t you have stayed safe at home?” She freed one hand from the baby’s blanket and gently touched the pale, cool cheek with its bushy side-whiskers. “Oh, Colonel. Were you scared?” she asked, her hand starting to shake. “Did it hurt?” She couldn’t find any more words. What had they said to each other last time they were together?

She couldn’t remember, she realized with rising panic. “Patience,” she whispered. “I can’t remember the last time I told my father I loved him.”

“He knew, honey,” Patience said. “Don’t you worry about that. He just knew.”

Lucy wanted to throw herself upon him, to weep out her heartbreak, but a curious calm took hold of her. Resolution settled like a rock in her chest. She would not cry. The Colonel had taught her never to weep for something that couldn’t be changed. No tears, then, to dishonor his teachings.

“Good night, Colonel,” she whispered, pressing a kiss to his cold hand. He still smelled of gunpowder.

Her mother sat devastated by shock, rocking in her chair. “What shall I do?” she said. “Whatever shall I do without him?”

“We’ll manage,” Lucy heard herself say. “We’ll find a way.”

“I shall die without him,” her mother said as if she hadn’t heard. “I shall simply lie down and die.”

“Now, don’t you take on like that, Miss Viola,” Willa Jean said. She had a deep voice, compelling as a song. But it was a small, bleating whimper from the baby that caught Viola’s attention.

Lucy’s mother stopped rocking and stared at the bundle in Lucy’s arms. “What on earth—Who is that?” she asked.

Lucy turned so she could see. “It’s a baby, Mama. A little lost girl. I rescued her from the fire.”

“Heavenly days, so it is. Oh, Hiram,” she said, addressing her dead husband while still staring at the child, who stared back. “Oh, Hiram, look. Our Lucy has brought us a baby.”

Part Three

A woman’s ability to earn money is better protection against the tyranny and brutality of men than her ability to vote.

—Victoria Claflin Woodhull

Chapter Six

Chicago

May 1876

“Where do babies come from, Mama? Really.”

Lucy looked across the breakfast table at her daughter and smiled at the little face that greeted her each morning. Having breakfast together was part of their daily routine in the small apartment over the shop. Usually she read the Chicago Tribune while Maggie looked at a picture book, sounding out the words. But her daughter’s question was much more intriguing than the daily report from the Board of Trade.

“I know where you came from,” Lucy said. “You fell from the sky, right into my arms. Just like an angel from heaven.” It was Maggie’s favorite story, one she never tired of hearing—or repeating for anyone who would listen.

The little girl stirred her graham gems and frowned. She was stubbornly left-handed, a trait that often reminded Lucy of the mystery surrounding her. “Sally Saltonstall says that’s an old wives’ tale.”

“I’m not an old wife.” Lucy gave a bemused chuckle. “I’m not even a young wife. I’m not anyone’s wife.”

“Sally says you can’t be my mama if you’re not nobody’s wife.”

“Anybody’s wife. And Sally is full of duck fluff for telling you that.”

Maggie passed Lucy the stereoscope she’d received for her birthday last fall. They didn’t know her exact birthday, of course, so they had chosen October 8, the date of the Great Fire that had changed so many lives. Each year, Lucy gave a party for Margaret Sterling Hathaway, commemorating the night they had found each other.

“Look at the picture in there,” Maggie said. “It shows a family, and the mama has a husband called the papa.”

Lucy obliged her daughter by peering into the two lenses of the stereoscope. The shadowy, three-dimensional image depicted an idealized family—the mother in her demure dress, the upright, proper, bewhiskered father in boiled collar and cuffs and two perfectly groomed children, a boy and a girl.

“These are just strangers dressed up to look like a family,” she said, ignoring a nameless chill that swept through her. “We are a proper family. I’m your mother, you are my daughter, forever and ever. Isn’t that what a family is?”

“But the papa’s missing.” Maggie thoughtfully wiggled her top front tooth, which was very loose now and about to come out. “Could Willa Jean be the papa?”

Willa Jean Washington, the Hathaways’ former maid, now worked as the bookkeeper of Lucy’s shop.

Lucy shook her head. “Traditionally the papa is a man, darling.”

“But you always say you’re rearing me in a nontraditional way.”

Lucy couldn’t help laughing at the sound of such a sophisticated phrase coming from her young, precocious daughter. “You know, you’re right. Maybe we’ll ask Willa Jean if she’ll be the papa.”

“Do you think she knows how?” Maggie asked. “What does a papa do, anyway?”

With a gentle bruise of remembrance, Lucy thought of her own father. The Colonel had issued directives. He’d demanded obedience. Insisted upon excellence. And in his own commanding way, he’d loved her with every bit of his heart.

“I suppose,” she said, “that a papa teaches things to his children, and loves and protects and provides for them.”

“Just like you do,” Maggie said.

Lucy felt a surge of pride. What had she ever done to deserve such a wonderful child? Maggie truly was an angel from heaven. Lucy set down the stereoscope. “Come here, you. I have to get down to the shop, and you and Grammy Vi have sums to do this morning.”

“Sums!” Her face fell comically.

“Yes, sums. If you get them all correct, we can go riding on our bicycles later.”

“Hurrah!” Maggie scrambled into her lap and wrapped her arms around Lucy’s neck.

Lucy savored the sweet weight of her and inhaled the fragrance of her tousled hair, which had darkened from blond to brown as she grew. It was hard to imagine that there had been a time, five years before, when Lucy hadn’t known how to hold a child in her arms. Now it was as natural to her as breathing.

The Great Fire had raged for days, though it had spared the block of elegant houses in the Hathaways’ neighborhood. Hundreds of people had shown up for the Colonel’s funeral, and Viola had received a telegram of condolence from President Grant. The day after they had buried the Colonel, Lucy had taken the baby to the Half-Orphan Asylum.

She shuddered, remembering the bilious smell of the institution, the pandemonium in the rickety old building, the cries of lost children and frantic parents searching for one another, the stern wardens taking charge of those without families. She’d hurried away from the asylum, vowing to find a more humane way to look after the child.

In the weeks following the fire, Lucy and her mother had been forced to flee the city to escape an epidemic of typhoid brought on by the lack of good drinking water. Even from a distance, Lucy kept sending out notices to find the child’s family, to no avail. No trace was found of the woman who had perished after dropping her bundled child from the window. Despite advertisements Lucy had placed in the papers and frequent inquiries at the asylum and all the churches and hospitals in town, she’d found no clue to the orphaned baby’s identity.

As she straightened the kitchen and took off her apron, she reflected on how much their lives had changed since the fire. Every aspect of their world was different. It was as if the hand of God had swept down and, with a fist of flame, wiped out their former lives.

After the smoke had finally cleared and a desultory, unreliable rain shower had spat out the last of the embers, Lucy, her mother and a fretful baby had gathered around a table with the bankers and lawyers, to learn that the Colonel had left them destitute. The fire had not only taken the Colonel, but his fortune as well, which had been invested in a Hersholt’s Brewery and Liquor Warehouse. Uninsured, it had burned to the ground that hot, windy October night.

Her mother was lost without her beloved Colonel. As much as Lucy had loved her father and grieved for him, she’d also raged at him. His love for her and her mother had been as crippling as leg irons. He had willfully and deliberately kept them ignorant of finance, believing they were better off not knowing the precarious state of the family fortune. His smothering shield had walled them off from the truth.

For days after the devastating news had been delivered, Lucy and her mother, burdened with a demanding little stranger, had sat frozen in a state of dull shock while the estate liquidators had carted off the antiques, the furniture, the art treasures. Lucy and her mother had been forced to sell the house, their jewels, their good clothing—everything down to the last salt cellar had to go. By the time the estate managers and creditors had finished, they had nothing but the clothes on their backs and a box of tin utensils. Viola had taken ill; to this day Lucy was convinced that humiliation was more of a pestilence to her than the typhoid.

There was nothing quite so devastating as feeling helpless, she discovered. Like three bobbing corks in an endless sea, she and her mother and the baby had drifted from day to day.

Lucy had found temporary relief quarters in a shantytown by the river. She would have prevailed upon friends, but Viola claimed the shame was more than she could bear, so they huddled alone around a rusty stove and tried to bring their lives into some sort of order. Not an easy task when all Viola knew in the world was the pampering and sheltering of her strong, controlling husband; all Lucy knew was political rhetoric.

It was providence, Lucy always thought, that she’d been poking through rubbish for paper to start a fire, and had come across a copy of Woodhull & Claflin’s Weekly, published by Tennessee Claflin and her sister, Victoria Woodhull, known in those days as The Firebrand of Wall Street. Since she’d appeared before Congress and run for president the year of the Great Fire, the flamboyant crusader had captivated Lucy’s imagination and inflamed her sense of righteousness. But that cold winter day, while huddled over a miserable fire, Lucy had read the words that had changed the course of her life. A woman’s ability to earn money is better protection against the tyranny and brutality of men than her ability to vote.

Suddenly Lucy knew what she must do—something she believed in with all her heart, something she’d loved since she was a tiny child.

Everything had fallen into place after that epiphany. In the fast-recovering city, Lucy had taken a bank loan, leased a shop in Gantry Street, occupied the small apartment above it and hung out her tradesman’s shingle: The Firebrand—L. Hathaway, Bookseller.

Running a bookshop hadn’t made her a wealthy woman, not in the financial sense, anyway. But the independence it afforded, and the knowledge that she purveyed books that made a difference in people’s lives, brought her more fulfillment than a railroad fortune.

The trouble was, one could not dine upon spiritual satisfaction. One could not clothe one’s fast-growing daughter with moral righteousness. Not during a Chicago winter, anyway.

Silky, the calico cat they had adopted a few years back, slunk into the room, sniffing the air in queenly fashion. Maggie jumped down from Lucy’s lap and stroked the cat, which showed great tolerance for the little girl’s zealous attentions.

“Run along, then,” she said, kissing the top of Maggie’s head. “Tell Grammy Vi that I’ve gone down to the shop.”

“And bicycles later,” Maggie reminded her.

“Bicycles later,” said Lucy.

Tucking the paper under her arm, she took the back stairs down to the tiny courtyard behind the shop. A low concrete wall surrounded an anemic patch of grass. A single crabapple tree grew from the center, and just this year it had grown stout enough to support a rope swing for Maggie. The tiny garden bore no resemblance to the lush expanses of lawn that had surrounded the mansion where Lucy had grown up, but the shop was just across the way from Lloyd Park, where white-capped nannies and black-gowned governesses brought their charges to play each day. When the weather was fine, Maggie spent hours there, racing around, heedless of the censorious glares of the governesses who were clearly scandalized by hoydenish behavior.

Lucy allowed herself a wicked smile as she thought of this. She was raising Maggie to be free and unfettered. No corsets and stays for her daughter. No eye-pulling braids or heat-induced ringlets. Maggie wore loose Turkish-style trousers, her hair cropped short and an exuberant grin on her face.

But sometimes, when she wondered about where she’d come from, she asked hard questions.

Lucy took a deep breath, squared her shoulders and walked into the shop. The bell over the door chimed, drawing the attention of Willa Jean.

“Good morning,” Lucy said cheerfully. No matter what her troubles, the very sensation of being in the middle of the bookstore, her bookstore, lifted her heart. There was something about books. The smell of leather and ink. The neat, solid rows of volumes, carefully catalogued spine-out on the shelves. The lemony scent of furniture oil on the tables and the friendly creak of the pine plank floor. The gentle hiss of gaslight, the scratching of Willa Jean’s pencil. Most of all, Lucy supposed, she loved the sense that she stood in the middle of something she’d built, all on her own. She’d spun it out of a dream, dug it out of disaster and lavished her love upon it the way many women did when building a home.

This was her home. And if, from time to time, she felt an ache of loneliness that not even Maggie could fill, she still told herself she had more than most women could expect in a lifetime, and she should be grateful. Those secret yearnings shamed her. She was supposed to be a New Woman, fulfilled by her own industry.

The one thing she couldn’t figure out was how a New Woman dealt with needs as old as time. In certain quiet moments, the old loneliness stole over her. With veiled envy she watched young couples strolling together or stealing kisses when they thought no one was watching. Too often, she caught herself yearning to know a man’s touch, his affectionate regard and his passion. The one drawback to free love, she’d discovered, was that with so many choices available, no man seemed likely to choose her.

“’Bout time you got yourself down here.” Willa Jean peered accusingly from beneath the green bill of her bookkeeper’s cap. “We got to go over the figures for the bank.”

A cold clutch of apprehension took hold of Lucy’s gut. She’d had the entire weekend to prepare for this, but in fact she’d tried not to think about it. Perhaps that was a bit of her mother coming out in her. If she didn’t think about troubles then they didn’t exist.

But here was a problem she couldn’t wish away.

“All right,” she said. “Show me the books, and tell me exactly what I should say to the bank.”

Willa Jean flopped open a tall ledger on the desk in front of her. Willa Jean was as clever with numbers as her sister Patience was with scripture. Willa Jean was gruff, blunt and usually right.

This morning, her bluntness was particularly apparent. “If you don’t get an extension on your loan, you’ll default and lose the shop,” she concluded.

Lucy pushed her hand against her chest, trying to still the wing beats of panic there. “I don’t expect the bank to cooperate. Our loan was sold to the Union Trust three months ago.”

“All banks are the same, girl. They want to make money off you. Your job is to prove you’re a good risk.”

“Am I a good risk, Willa Jean?”

A bark of laughter escaped the older woman. “A bookseller? Honey, it ain’t like you’re selling grain futures here.” She gestured around the shop. “These are books, see? People don’t eat them, they don’t manufacture furniture out of them, they don’t keep them to increase in value. They read them. And who has time to read? Everyone’s so all-fired busy trying to make a living, they don’t read anymore.”

“So my job is to convince a strange man that I can make a profit in a dying enterprise.”

“Uh-huh.”

“Remind me. Why did I get up this morning?”

Willa Jean held out an appointment card. “There’s the name of the person you’re to see. It’s the bank president, girl. At least that’s something.”

Lucy glanced at the card, then froze in amazement. She was looking at a name she hadn’t seen in a very long time, but one she had never forgotten. Mr. Randolph B. Higgins.

Chapter Seven

“Mr. Higgins?”

Rand glanced up from his desk to see his secretary in the doorway to the office. “Yes, Mr. Crowe?”

The earnest young man crossed the room and held out a small note. “A message from Mrs. Higgins, sir.”

“Thank you, Mr. Crowe. Do I have any other appointments this afternoon?”

“One more, sir. It’s about a loan extension.” He set down a flat cardstock file, bound with a brown satin ribbon. “One of those loans in the batch you acquired from Commonwealth Securities.”

“Thank you,” Rand said again, keeping his expression impassive. He never betrayed his opinion about a professional matter, even to his secretary. It was this fierce discretion that had secured his reputation in the banking business, and he wasn’t about to compromise that.

In the years since the fire, Rand had discovered within himself not just a talent for banking, but a passion for it. He welcomed the responsibility of looking after people’s money and embraced the task of lending to those who demonstrated a brilliant idea, an acute need or a promising enterprise. Sometimes he thought his love of banking was the only reason he’d carried on following those shadowy, pain-filled months after the fire.

When Crowe left, Rand opened the note, written in a fine, spiderweb hand on cream stock imported from England. At the top was the Higgins crest, a pretentious little vanity created by his great-grandfather decades ago. The gold embossed emblem of an eagle winked in the strong sunlight of late afternoon. Rand stood by the window to read the note.

Another invitation, of course. She was constantly trying to broaden his social horizons, trolling the elite gatherings of the city like fishermen trolled Lake Michigan for pike, and setting her netted catch before Rand.

The trouble was, he thought wryly, that after a while the catch began to stink. It wasn’t that he had no interest in social advancement—he knew as well as anyone that, in his business, connections mattered. It was just that he found them tedious and, deep down, hurtful.

This evening’s soiree was a reception for a popular politician, arranged by Jasper Lamott, who also happened to be on the board of the Union Trust. Lamott’s group, a conservative organization called the Brethren of Orderly Righteousness, was raising funds to oppose a bill before the legislature giving women dangerously broad rights to file suit against their own husbands. Like all decent men, Rand was alarmed by the rapid spread of the women’s suffrage movement, which was causing families to break apart all across the country. He believed women were best suited to their place as keepers of hearth and home, with men serving as providers and protectors. Perhaps he would attend the event after all. He would most certainly make a generous donation to the cause. The fact that women no longer knew or respected their place had brought him no end of trouble, and he supported those who labored to correct the situation for society in general.

Taking advantage of a rare lull in the day’s activities, he turned to the picture window, with its leaded fanlights. Resting his hands on the cool marble windowsill, he looked out.

It was a dazzling spring afternoon, the sunlight shimmering across the lake and illuminating the neatly laid-out streets of the business district. Across from the bank was a park surrounded by a handsome wrought-iron fence. In the center, a larger-than-life statue of Colonel Hiram B. Hathaway commemorated his heroism in the War Between the States. Slender poplar and maple trees lined the walkways. The green of the grass was particularly intense. Newcomers to town often commented on the deep emerald shade of the grass in the rebuilt city. Some theorized that the Great Fire of ‘71 left the soil highly fertile, so that all the new growth was surpassingly healthy.

Rand looked down at his scarred hands and felt the ache of the old unhealed injury in his shoulder.

He started to turn away from the window to neaten his desk for the next appointment when he spied something that made him pivot back and stare. Out in the street, wobbling along like a pair of circus performers, were two bicyclists. It was a common enough sight of late. Bicycles were all the rage, and recent improvements in the design had made the new models slightly less hazardous than the extreme high-wheelers. In the lead rode a black-haired woman, followed by a scruffy little boy on a child-size bicycle of his own.

They looked absurd, yet he couldn’t take his gaze away. Patently absurd. The woman’s dress was all rucked up in the middle, bloomers bared to the knees for anyone to see. The boy resembled a beggar in patched knickers and a flat cap set askew atop his curly brown hair.

Yet even so, the sight of the child struck Rand in the only soft spot left inside him. The only place the fire hadn’t burned to hard, numb scar tissue. The lad looked to be about the age Christine would have been, had she lived.

Briefly Rand shut his eyes, but the memories pursued him as they always did. The images from the past were inside him, and he could never shut them out. He was filled with bitter regrets, and they had made him a bitter man, the sort who resented the sight of a healthy young boy and an audacious woman riding bicycles.

Each morning when he woke up, he played a cruel and terrible game with himself. He imagined how old Christine would be. He imagined the little frock she would wear, and how the morning sunlight would look shining down on her bright curls. He imagined having breakfast with her; she would probably still favor graham gems with cream. And each day, before he left for the office, he would imagine the sweetness of his daughter’s kiss upon his cheek.

Then he would force himself to open his eyes and face the harsh truth.

He opened his eyes now and studied the only picture he kept in his office. Gilt cherubs framed a photograph of Christine at fourteen months of age, clutching a favorite blanket in her left hand, startled by whatever antics the photographer had performed to get her attention. As soon as the flash had gone off in the pan, Rand recalled, she’d burst into tears of fright, but the picture showed the child who had brought him the ultimate joy with the simple fact of her existence.

He pulled in an unsteady breath. There were some moments when it was hard to resist wishing he’d lingered longer with his daughter each morning, watching the play of sunlight in her wispy curls.

He glared at the outrageous woman on the bicycle, resenting her for having the one thing he could never get back.

She wobbled to a halt in front of the bank building and dismounted gracelessly, launching herself off the bicycle like a cowboy being bucked from a horse. The lad was more nimble, landing on both feet with catlike lightness.

They leaned their bicycles against the brass-headed hitch post the bank had installed for the convenience of well-heeled customers. Then the black-haired woman shook out her skirts, straightened her ridiculous hat and marched up the marble steps to the bank. Her son came, too, clinging to her gloved hand.

Rand noticed something vaguely familiar about the woman. A chill of apprehension sped through him, and something made him pick up the file his secretary had delivered, containing the papers pertinent to his next appointment. He untied the brown satin ribbon and flipped open the file.

His next appointment was with someone he hadn’t thought about in years, but whom he’d never quite forgotten: Lucy Hathaway.

What the devil was she doing, applying to him for a loan extension?

What the hell did she need a loan for, anyway?

And what was her name now that she was a wife and mother?

Some days, he thought, scowling down at Lucy Hathaway’s file, banking offered unexpected challenges.

He stood behind his desk and waited for Crowe to show her in. She arrived like a small tempest, wrinkled skirts swinging, the feather on her hat bobbing over her brow and the little boy in tow. The lad stared openly at him, then whispered, “He’s a giant, Mama, just like—”

“Hush,” she said quickly. But her manner was all business as she held out her hand. “Mr. Higgins, how do you do?”

Oh, he remembered that husky, cultured voice from their first meeting that long-ago evening. He remembered that direct, dark-eyed stare, that challenging set to her chin. He remembered how provocative he had found her, how intrigued he’d been by her unconventional ways.

He remembered that she’d asked him to be her lover. And he remembered the look on her face when she learned he was married.

As he offered her a chair, he knew he would not have to worry about her being attracted to him now, scarred and dour creature that he had become. She gave his imperfect face, camouflaged with a mustache these days, a polite but cursory glance, nothing more.

“Very well, thank you,” he said, then glanced pointedly at the boy, who boldly peered around the plain leather-and-wood office, looking like mischief waiting to happen. “And this is…?”

“My daughter, Margaret,” said Lucy.

Margaret stuck out a grubby hand. “How do you do? My friends call me Maggie.”

Rand was thoroughly confused now. She called her son Margaret? Then it struck him—the child in the rough knickers, short hair and flat bicycle cap was a little girl. He tried not to look too startled. “I’m very pleased to meet you, Maggie.”

“I’m afraid I had no choice but to bring her along,” Lucy said. “Ordinarily there’s someone to look after her when I have meetings.”

“But today is Grammy Vi’s dominoes day,” Maggie said.

She really was a rather pretty child beneath the bad haircut and shapeless clothing. He tried to picture her in a little pinafore done up in ribbons and bows, but she moved too fast for him to form a picture. She darted around the office, spinning the globe and lifting a paperweight so that a breeze from the open side window swept a sheaf of papers to the floor.

“Maggie, don’t touch anything,” Lucy said half a second too late.

“No harm done.” Rand bent to retrieve the papers. At the same time, the little girl squatted down to help. Their hands touched, and she caught at his, rubbing her small thumb over the shiny scar tissue there.

“Did you hurt yourself?” she asked, her face as open as a flower.

“Maggie—”

“It’s all right,” Rand said with rare patience. He was accustomed to people staring, and to youngsters who didn’t know any better asking questions. Some children turned away in fright, but not this one. She regarded him with a matter-of-fact compassion that comforted rather than discomfited. He studied her small, perfect hand covering his large, damaged one. “I did hurt myself,” he said, “a long time ago.”

“Oh.” She handed him the rest of the papers. “Does it still hurt?”

Every day.

He straightened up, put the papers back under the paperweight, then saw Crowe standing in the doorway.

“Is everything all right, sir?” Crowe asked.

“Everything’s fine,” Rand said.

“I wondered if the little b—”

“Miss Maggie would love to join you in the outer office,” Rand said hastily, cutting him off. He winked at Maggie. “Mr. Crowe is known to keep a supply of peppermints in his desk, for special visitors.”

“Can I, Mama?” Maggie’s eyes sparkled like blue flames, and suddenly she didn’t look at all like a boy.

“Run along,” Lucy said. “Don’t get into anything.”

After the door closed, Rand said, “Congratulations. You have a very lively little girl.”

“Thank you.”

“You and your husband must be very proud of her.”

“I’m afraid Maggie’s father is deceased,” she said soberly.

His heart lurched. “I’m terribly sorry.”

“Thank you, but I never knew the man,” she replied. Then she laughed at his astonished expression. “Forgive me, Mr. Higgins. I’m doing a poor job explaining myself. Maggie is my adopted daughter. She was orphaned in the fire of ‘71.”

“Ah, now I see.” What a singular woman she was, adopting an orphan on her own. Months after the fire, Rand had actually considered taking in an orphaned child or two, but discovered he had no heart for it. Losing Christine had taken away all he’d ever had to give to a child.

“I consider myself fortunate,” Lucy went on, “for I never did encounter a man I wanted to spend my life with, and this way I simply have no need of one.”

“Lucky you.”

Her face colored with a vivid blush, like a thermometer filling with mercury, and Rand knew he’d made his point. Clearly she now remembered the outrageous proposition she’d made to him at their last meeting.

Perhaps she recalled it as vividly as he did. No matter how hard he tried, he hadn’t forgotten the forbidden attraction that had flared between them. She’d been the steel to his flint, two entirely different substances that struck sparks off each other.

“Tell me,” he said, “do you often gallivant about town on bicycles?”

“I’ve never been accused of gallivanting before,” she said with a little laugh. “I find it a useful means of transportation. Our bicycles are the most modern ever, built by an acquaintance of mine. Mr. Gianinni made them as prototypes for the Centennial Exhibition this July. The design still has a ways to go but at least the cycles are less ornery than horses.”

“I see.”

“They eat less, too, and I don’t have to stable them.”

He straightened the papers on his desk in preparation for getting down to business. He regarded Lucy Hathaway with a mixture of disapproval and interest, feeling drawn to her in spite of himself. She dressed her daughter in trousers and rode a bicycle. Yet she had the most fascinating dark eyes he’d ever seen, eyes that penetrated deep as she inspected him with unblinking curiosity.

It had taken him years to inure himself to the staring of strangers and acquaintances alike. Now Lucy’s perusal made him freshly aware of the old wounds. “Is something the matter?” he asked.

“I was just wondering,” she said, “if you knew you were missing a cuff link.”

In spite of everything, Rand felt a short bark of laughter in his throat, but he swallowed it. Here she sat, looking at a monster, and her only observation was that he was missing a cuff link. “A habit of mine,” he said. “Being left-handed, I tend to drag my cuff through the ink as I write, so I roll my sleeve back when I work.”

“I see. It’s unusual to be left-handed.”

“Indeed so.” It was the one habit Rand’s father hadn’t been able to break him of as a boy, though his father had tried extreme measures to get him to conform in all things. “But I assure you, I am a very ordinary man.”

“I’m pleased to hear that, Mr. Higgins. Shall we get started?” She peeled off her gloves. He should have watched her without any particular interest, but instead he found the operation intriguing. With unhurried movements, she rolled the thin brown leather down the inside of her wrist over the palm of her hand. Then she neatly bit the tip of her middle finger, her small white teeth gently tugging at the leather.

Rand had the discomfiting feeling that he was watching a private ritual. The strange thing was, she never took her eyes off him as she worked the glove free, finger by finger, her red-lipped mouth forming a soft O as her little nipping teeth took hold of the leather. He found himself remembering her views on free love; she probably had a stable of lovers at her beck and call.

Feeling suddenly hostile, he picked up a steel-nibbed pen and noted the date and time on her loan file. “Indeed,” he said. “Down to business. I confess I’m surprised to see you here, Miss Hathaway. You’ll forgive me for saying so, but it’s well-known that you come from a family with quite a noteworthy fortune.”

She smiled, but there was no humor in the expression. “I come from a family better at preserving appearances than finances. I will be blunt, Mr. Higgins. My father was killed in the Great Fire, his fortune burned to nothing. My mother and I were left destitute. With what little I had, I established The Firebrand—that’s my bookshop.”

The name of her establishment didn’t surprise him in the least. Neither, in fact, did her enterprising nature. The usual response for a woman who found herself in dire straits was to hunt down a husband with a worthy fortune. But Lucy Hathaway was an unusual woman.

“And that is your purpose today, to discuss the loan on your shop.”

“Yes, sir, it is.”

In the outer office, a thud sounded, followed by the patter of running feet and a gale of childish laughter.

Lucy looked over her shoulder. “Oh, dear—”

“Please, don’t concern yourself. Mr. Crowe enjoys children. Occasionally.”

“Thank you for understanding. I wouldn’t ordinarily bring Maggie to a business meeting, but unfortunately, I find myself without a wife, so I have brought my daughter along. What luxury that would be, to have a wife. Perhaps a woman should aspire to have one rather than to be one.” She touched the edge of the desk. “Have you any children, Mr. Higgins?”

“I—” He would never learn the proper way to answer that question. “No. I do not.”

“But if you did, they would certainly be left in the care of your wife while you attend to business,” she said.

“Miss Hathaway—”

“I apologize. I sometimes get carried away with my own ideas.”

He could not recall the last time he’d spoken to a woman who was so irritating—or so entertaining. But of course he could recall it, he reminded himself. It was the last time he’d met Lucy Hathaway.

The sooner he concluded his business with her, the better. Perusing the profit and loss statements, he tapped his pen on the file. “Please remember, it is my business to cultivate productive loans for this institution.”

“I was never in any danger of forgetting it, Mr. Higgins.”

Her comment assured him that she knew exactly what was coming.

Bluntly he said, “I don’t believe a woman alone is capable of managing a business on the scale you envision for your bookshop.”

“I have managed for three years.”

“And you’ve fallen deeper into debt each year.”

“That’s not unusual in a new enterprise,” she countered.

“I see no end in sight.” He flipped to a recent balance sheet. “Your receipts show no sign of outpacing your expenditures. Eventually your credit will be cut off, artery by artery.” He pressed his hands together, peering at her over his scarred fingers. “It sounds harsh, but that is the way of commerce. Businesses fail every day, Miss Hathaway. There is no shame in it.”

He braced himself for tears, but she was as stoic as any young man pulling himself up by his bootstraps. “You are looking at columns of numbers, Mr. Higgins,” she stated. “That’s your mistake.”

“I don’t make mistakes in banking, Miss Hathaway.” His arrogance was justified. Sound judgment, strict rules and a tireless capacity for work formed the cornerstones of his success. Banking was his life, the source of his greatest satisfaction. He knew nothing else.

“You should be looking at the heart of the matter, not just the numbers.”

He tried not to seem patronizing as he leaned back in his chair to listen to her womanish ramblings.

“There is something that I bring to the table,” she said, “that cannot be shown in any ledger. Something that will make the difference between success and failure.”

“And what, pray, is that?”

She leaned forward, pressing her dainty hands on the desk again. The angle of her pose proved the truth of what he had suspected the moment she’d walked into the room—she wasn’t wearing a corset. “Passion,” she said in her naturally husky voice.

Rand cleared his throat. “I beg your pardon.”

“Passion,” she repeated, pushing back from the desk. “That is what I have for my enterprise. You cannot put a value on it, but it is the most tangible of all my assets.”

He tried not to stare at her uncorseted…assets. “And you contend that your passion for selling books will turn these figures around.”

“Exactly.”

“Have you any proof of that?”

“I do. You see, my shop is not merely a place where people come to buy books.”

“That would be entirely too simple.”

She sniffed. “The Firebrand is a meeting place where people exchange ideas. They talk about the books they’ve read, and of course buy them.”

“Then why aren’t you showing a profit?”

“Look at my balance sheet. The foreign tariffs on my imports are exorbitant.”

“Then why import foreign publications? Sell American works.”

“Spoken as a true chauvinist. I’ll have you know I am the only bookseller in the area who carries French periodicals. Everyone else thinks they’re immoral, just as everyone else thinks the science tracts from Germany are ungodly and English periodicals are tedious. I proudly carry them all.”

“And pay a small fortune in tariffs. Tell me more about these immoral French magazines. I’m fascinated.”

She turned bright red but didn’t shrink from replying. “The most recent issue is about techniques of physical love. If you like, I could send you a copy.”

“No, thank you.” He felt his face turning redder than hers. “We don’t all share your views on free love.”

She grinned, but her blush deepened. “So you do remember.”

He took refuge in anger. “Tell me, did you ever manage to find what you were looking for the night we met? Did you find a lover, Miss Hathaway?”

“Of course,” she said, her hands twisting in her lap. “Dozens of them! Mainly Frenchmen, for obvious reasons.”

“In that case, you should qualify for a reduction of your tariffs. They’re cutting into your profits.”

“When it comes to the hearts and minds of my customers, sir, I can wait for profit.”

The odd thing was, Rand realized, she did have a passion for what she was saying. She had built her shop out of idealistic dreams. A bookseller. What a perfect occupation for this woman. How she must love knowing what everyone was reading. How she must love telling people what they should read next.

The receipts from the shop were unusually high, which indicated that she was indeed selling books. He suspected it was quite impossible to get away from Lucy Hathaway without buying at least one book.

“An admirable sentiment,” he said, not allowing his judgment to be swayed by the force of her personality. “But the trouble is, the bank won’t wait. Your notes are due.”

“I expect receipts to pick up,” she said as if she hadn’t heard him. “I’ve had lectures from some of the most respected leaders of our age—Miss Clementina Black, Mrs. Kate Chopin and Mrs. Lillian Paul in the past year alone.”

“Radical activists are always a lucrative draw.”

She dismissed his sarcasm with a wave of her hand. “I’ve been corresponding with Miss Harriet Beecher Stowe, who has agreed to present a lecture and sign books when she comes to Chicago.”

“And this event is scheduled?”

“Not…exactly. Miss Stowe is currently in South America, observing the mating habits of the Andean llama.”

“Fascinating.”

“I also create events for my customers to draw them into the shop. Mrs. Victoria Woodhull is coming for the Centennial March this summer, and last year, I set up a registry for voters.”

He removed a newspaper clipping from the file. His predecessor had been thorough in keeping records on this particular client. “It says here you were arrested for encouraging women to register illegally to vote.”

“And does it say that I protested the arrest on the grounds that I was simply exercising my constitutional rights?”

“It says you created a public scandal.”

She crossed her arms over her chest. “A public scandal occurs with every election in which women are denied the right to vote.”

“According to this report, you had a mob of radical suffragists in your shop trying to corrupt decent women.”

She laughed, looking genuinely incredulous. “I had a group of voting registrars, assisting American citizens in registering to vote.”

“You were arrested.”

“My constitutional rights were trodden upon.”

“You were made to pay a fine.”

“By a twisted, unfair, corrupt judge. And I never did pay.”

He slapped the file shut. “So this shop is where you advocate free love and divorce on demand? Where you meet your lovers?”

“So what if I do?” she retorted.

“My point, Miss Hathaway, is that the loan committee is bound to view your so-called passion in quite a different light. To them, your actions will seem a sign of irresponsibility and immaturity, making you a bad risk.” He wondered why he was taking the time to explain all this when it should be a foregone conclusion. “I’m sorry, Miss Hathaway. The loan is due, and there can be no extension.”

She sat very, very still. Her absolute stillness discomfited him. As did her direct stare. Finally she spoke. “I love my bookshop with a passion you will never understand. I don’t know why I’ve tried to explain it to you. Sir, you have a heart of stone. You have never loved a thing.”

Her bald statement seared into him like a brand, igniting a rage and resentment he hadn’t known he possessed. “Love has nothing to do with it,” he snapped. “But I wouldn’t expect a woman to understand that. Like all of your sex, you are a creature governed by sentiment, not sense. You belong at home rather than struggling through a morass of crass commerce. Look to your duties as a mother, and leave the commerce to men.”

“I have heard such views voiced before,” Lucy said, unaware of the absurd bobbing motion of the feather in her hat. “I have heard such views from Southerners who favor slavery. They claim slaves are incapable of looking after themselves and need to belong in bondage to men who will ‘care’ for them. Tell me, Mr. Higgins, do you favor slavery?”

“Don’t be ridiculous. No thinking man approves of slavery. It took a war to settle that, but it’s settled.”

“Then perhaps it will take a war to settle rights for women.”

“I don’t doubt that you shall do your part.” In spite of his outrage, he felt a reluctant compassion for her. “Look, Miss Hathaway. You seem a genuinely determined woman. Perhaps, given time, you might be able to eke out a living as a bookseller. But I’ll never convince my associates of that. They are a conservative lot, as intractable as they come.”

She leaned forward again, her eyes bright with optimism. “You must be my advocate, then, Mr. Higgins. You must convince them that I am a good risk.”

“You’re 486 in arrears, Miss Hathaway. I cannot tell them it is light when it’s dark, or it’s Wednesday when it’s Friday.”

“I see. I’m sorry to have wasted your time.” She shoved herself back from the desk. With the motion, her fingers pushed at the leather-and-felt ink blotter, and the single framed picture on his desk fell facedown.

They both reached for it at the same time.

“I didn’t mean to—”

“No harm done—”

They both spoke at the same time.

Their hands touched. And just for an instant, a current of recognition sizzled between them. Rand felt it all the way through him, hand and heart and body, and it astonished him. He hadn’t felt anything remotely like this in years.

Lucy glanced down at the sepia-toned photographic portrait, but looked immediately back at him, eyes wide as if she, too, felt the bright heat of their connection. “I thought you said you had no children.”

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