LITMIR.BIZ

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they went to bed, a sure sign that he was in good temper.

      Made love … Philippa grimaced to herself at how very much her parents’ daughter she was at times. She and Andrew had not ‘made love’ at all—they hadn’t really even had sex; they had simply been physically intimate, physically but not mentally and certainly not emotionally.

      She hadn’t seen Neville socially for several months after that, not until they had both been guests at a mutual acquaintance’s dinner party.

      ‘I’m sorry to hear that Andrew didn’t get that Japanese contract after all,’ he had said quietly to Philippa after dinner. ‘It must have been a disappointment to him. I know how much he was counting on it.’

      Philippa hadn’t said anything. How could she have done? She had had no knowledge of the contract he was discussing and so she had simply smiled and changed the subject, asking him if he had managed to take time off to visit Wentworth to watch the golf—a special pro-am match which she knew would have appealed to him.

      Now, as she remembered that conversation, her mouth twisted bitterly.

      Had Neville perhaps been trying to warn her even then that things were going badly wrong for Andrew? But even if he had, what could she have done? She was the last person Andrew would have listened to or confided in.

      Face it, she told herself as she walked into the bank. Andrew would not have listened to anyone who tried to tell him something he might not want to hear. He was simply not that kind of man.

      She was several minutes early for her appointment and, bearing in mind the fact that she had used virtually all her spare cash to pay for her petrol, Philippa was just about to draw some cash from their account when she remembered the humiliating situation at the garage and decided to wait until she had spoken to Neville and sorted out whatever paperwork was necessary to enable her to take over their accounts.

      At one minute to ten a young woman walked into the banking hall, tall and dressed in a smartly discreet, soft caramel-coloured business suit and a toning cream silk shirt. She gave off an aura which Philippa immediately envied. Although physically she was extremely attractive it was immediately obvious to Philippa as she observed her that it was not her looks that gave her her enviable air of self-confidence and assurance, her unmistakable and enviable professionalism.

      This young woman was all that she herself had never been, Philippa acknowledged as she watched her; there were perhaps eight years, maybe even less between them but Philippa felt that they were divided by a gulf not of time but of life’s experience.

      She saw Neville coming out of his office, and stood up, but it was the girl whom he greeted first, before turning to Philippa and making an apology that he hadn’t been able to join the other mourners at the crematorium.

      As he showed them both into his office, it was the girl again whom he showed to the more prominent of the two chairs, quickly introducing her to Philippa as the representative of the firm of accountants the bank had called in to handle the firm’s liquidation.

      Thanks to Robert, she had been semi-prepared for such an announcement, but the gravity of Neville’s voice and the way he was frowning down at the papers on his desk still heightened her anxiety, the shock of hearing what she dreaded sliding coldly through her stomach, her body tensing.

      Habit and training cautioned her simply to sit and listen, to retreat into the protection of a semi-frozen silence, but older instincts urged her to accept reality, warned her that it wasn’t just herself she had to protect and defend but her sons as well.

      Neville was still frowning. He coughed and cleared his throat.

      ‘I realise this has come as a shock to you,’ he told her. ‘But it has to be discussed, I’m afraid.’

      ‘Yes … yes. I appreciate that,’ Philippa told him huskily. ‘It’s just …’ She could feel her throat beginning to close up, weak tears of fear and panic threatening to flood her eyes.

      She couldn’t cry … she mustn’t cry … she was not going to cry, she told herself fiercely. Out of the corner of her eye she could see the expression on Deborah’s face and momentarily envied her.

      She was young, so obviously self-confident and in control of her life, that faint hint of pity Philippa could see in her eyes making her feel worse rather than better.

      Gritting her teeth, she lifted her head and looked directly at Neville.

      ‘Could you explain the exact situation to me, Neville?’ she asked him quietly. ‘I … Andrew didn’t discuss his business affairs with me. He wasn’t that sort of man and I——’

      She broke off, her face hot, aware of how stupid she must sound and aware too of the covert message within her words, the in-built need to apologise for herself and ask forgiveness.

      Neville Wilson watched her. She was still in shock, poor woman, and no wonder. This wasn’t the first time he had been in this situation and it wouldn’t be the last. He had warned Andrew about the risk he was taking, but Andrew had refused to listen and it was no surprise to Neville to hear that he had kept Philippa in the dark about his business affairs.

      ‘A lot of men are like Andrew,’ he told Philippa. ‘I sometimes suspect that it’s partly the excitement of the secrecy of keeping everything to themselves, of being totally in control that drives them on and makes them successful. Unfortunately, it’s the same need for secrecy and control that works so dangerously in reverse when things go wrong.

      ‘I tried to warn Andrew on several occasions about what he was doing but …’

      ‘But the bank still loaned him money,’ Philippa intervened quietly.

      Neville gave a small shrug. ‘Things were different then. It was a time of expansion; head office wanted us to lend and Andrew had the collateral, or at least …’

      ‘Your husband’s business isn’t the only one to suffer,’ Deborah told Philippa. ‘One of the problems a lot of small businesses have had to face is that the value of their collateral, the means by which they secure the money they borrow, has sharply depreciated. Bankruptcies are very much on the increase at the moment …’

      ‘And suicide?’ Philippa asked sharply before biting her lip and apologising huskily. ‘I’m sorry … It’s just …’

      She was here, after all, to listen to what Neville and this young woman had to say, not to give way to her own emotions or express the anger and resentment she felt at what had happened to her.

      Deborah watched her. There was no mistaking the other woman’s shocked distress. Deborah actually felt sorry for her, her plight reaching out to her in a way she hadn’t expected. Would she have felt a similar empathy had Philippa been a man? She didn’t know, but then a man would not have been in such a situation, would he?

      In the office and at home reading the bank’s file on the company and its owner, it had been easy to criticise and condemn, to be distanced from the effect that Andrew Ryecart’s financial ineptitude and arrogance had had on other people’s lives, but here, facing one of, if not the prime victim of Andrew’s overweening pride, Deborah suddenly realised exactly what Mark had meant when he had said that it was a side of their work he simply had no stomach for.

      But it was her job to find the stomach for it, as Ryan would no doubt point out mockingly to her when she tried to express her present feelings to him.

      Silently she listened as Neville Wilson explained the position to Philippa.

      ‘Andrew fell into the same trap as many other people during the eighties,’ he told her. ‘He bought the company when interest rates were low and then borrowed heavily to re-equip it, bringing in new plants and taking on extra men, secure in the knowledge that there was an increasing market for his goods. Over-trading is the term we bankers use for it,’ Neville told her drily. ‘But, unfortunately, men like Andrew very rarely listen to our words of caution. Additionally, matters were made worse in Andrew’s case by the fact that not only did interest rates rise steeply,

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