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Cheques and Balances

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Go back a couple of years, and you will find me behind the counter in a provincial high-street bank, lending money to people. Go back further still and you’ll find me upstairs in that same bank, in what was known as the ‘machine room’, taking the elastic bands off bundles of cheques and then counting those cheques, sorting them into account-number order and walking up and down the great long tables that dominated the room and stacking the cheques onto the appropriate numbered sections, for some eight hours a day.

There were machines there, also: quite big ones, I seem to think, but I can’t for the life of me remember what it was that they did. Perhaps I never knew.

You get faster at it, after a while, machine-room work. And you could go up to people who’d been there a long time, give them a block of cheques and say, ‘count those’, and they’d tap the block against the table once or twice to square the edges off, set it down, flex their fingers and then there’d be a blur of fingers and a whirring of paper, and half a second later, or whatever it was, it would be ‘a hundred and twenty-seven’. I am convinced that some of the tapping and the finger-flexing wasn’t strictly necessary, but was a vanity, an affectation, to impress, a little stylistic flourish to say, ‘Behold! Here is a master of the art.’

These skills, such as they were, and to the extent that I mastered them, did not transfer well to lending money to people. Lending money to people was something that I did worse than I did counting cheques.

People would come in with the most outrageous stories of why they needed money and, most times, so long as they managed to keep a straight look on their face and a credible tone to their voice, I would believe them.

‘I need,’ said one woman, ‘a completely new wardrobe.’

‘But you have no money. You have, in fact, less than no money. And this has been going on for … well, it looks like several years now, as far as I can see from your file. We need to talk about how you intend to pay some of it back, rather than how much more of it you need to borrow.’

‘Well, that’s why I need this money, you see. You see, what it is, is that I’ve just been offered a job. And it’s a good job, a proper job in an office—but the thing is, I don’t actually have any office clothes to wear, other than what I’ve got on, which is what I wore for the interview. So I need the clothes for the job, to earn the money to pay back what I owe.’

‘Oh, I see. Well, that sort of makes sense, I think. How much is it that you say you need, for these clothes …? I’m sorry, how much? Really? Well, that does seem a bit steep … No, I do know how important it is to create the right impression. And as you say, it will give you the ability to pay back what you owe. I’ll just get the paperwork sorted out. You’ll need to sign here … and here, too.’

She was glad that I understood these things, she said, as she signed. Not like her mother, who’d advised her to make do with what she had. Not, of course, that she actually had anything to make do with, as she’d already explained.

I never saw her again, or the money, either.

And all the while and all the day in my peripheral vision and hearing—and sometimes more directly—I could see, and hear, and feel the under-manager, who ran the day-to-day business of the bank, and the rising sense of stress and panic with which he started and finished every day of his working life. That deadlines should be met, that queues should not be too long, that people should not take much time over their tea-breaks, that people should arrive in the mornings precisely when they were meant to arrive (and on the dot of nine, the signing-in book was whisked away to the manager’s office, whence anyone whom arrived after should go to explain themselves), that procedures should be followed, that shoes should be shined and trousers pressed, that the books should balance. All these things concerned him greatly, and visibly and audibly. As each day wore on, the note of tension in his voice would grow more strangulated, the temper sharper and more hair-triggered, and for every fault or omission he spotted and corrected, others would arise, hydra-like, to take their place. Too many humans in the machine room of his bank; too much slackness, too much imperfection. Fraud and deception.

You would get the ones who planned it all in advance. People who’d open an account—sometimes in their own name, or sometimes, on some pretext, with a friend or colleague, with whom they’d sign the mandatory declaration of ‘joint and several liability’ making them both personally liable for all debts on the account, whoever caused them.

They’d keep the account ticking over, quietly and in credit, for a year or more, putting in requests for a new cheque-book every now and then, until they were good and ready, when, all of a sudden, there’d be twenty cheques issued in a single day, and more the next, and the next, and they’d be drawn out to off-licences and clothes shops and casinos, and the account would go tens, hundreds and thousands of pounds overdrawn in the space of a single week. You’d phone the account holder, send letters, but there would be no reply. And so you’d bounce the cheques, and brace yourself for the wave of angry phone calls from outraged creditors and even-more-outraged co-account holders.

There was a correct response to these calls, which was, ‘I’m very sorry sir/madam, but I am not at liberty to discuss this person’s account. Or their whereabouts, I’m afraid’, to which I’d add sometimes that the address I really, really wasn’t allowed to tell them was number 11, Ferndene; or that the phone number that I was not, unfortunately, at liberty to divulge, might have been 673562, if I’d been allowed to say so, but since I wasn’t, they’d have to look elsewhere to find it out. That tended to stir things up a bit, I found. Particularly if the voice at the end of the line sounded like someone who intended to take the matter somewhat further to recover their money.

‘Golf,’ said the under-manager.

‘I’m sorry?’

I think I must have drifted off somewhere, off into my thoughts. I had a tendency to do that. I have a tendency to do it still. I was, I think, sitting at the foreign exchange till at the time. It was a quiet afternoon, on a hot summer’s day, and there were no customers in that section, had been none for a while.

‘Golf,’ he said. ‘Do you play it?’

‘Er … no. Not exactly. It’s not something I’ve got round to doing yet.’

‘Oh,’ he said. ‘Well, never mind. There are plenty of people who’ve managed to go quite a long way in banking without ever playing golf. Now, your suit …’

‘My suit?’

‘Ye-es. Your suit. What’s it made of?’

‘I’ll have to have a look.’

The label said 75 per cent cotton, 25 per cent linen. I’d bought it for the weather, for the summer.

‘I thought so,’ he said. ‘Disco suit. Don’t wear it again.’

In the backrooms there were fans on the desks, beige oscillating fans that swayed from side to side and caught the stray unweighted papers of the unsuspecting, lifting them up and sending them seesawing gently down to the worn brown carpet.

In the restroom where we took our morning and afternoon tea-breaks there were no fans, but there we were allowed to remove our jackets and to roll up our sleeves.

Brian, a middle-aged clerk with a close-cropped sandy beard, never rolled up his sleeves, no matter how hot or still the air in the restroom. He was a middle-ranking clerk, quite old for his position, and he had been at the same level for many years now, far longer than most. I was never quite sure whether it was for golf reasons or for the quality or fabric of his suitage or for some other cause that he had never progressed, but he had not done so, nor did it seem to bother him, particularly.

One day we were sitting together in the restroom sipping vending-machine coffee from plastic cups when I asked him about his sleeves and why he never rolled them up.

‘Do you really want to know?’ he said.

I said that I did; and with this he put down his cup and beckoned me to follow him outside, into the corridor. There, after checking in both directions, he undid both cuff-buttons; then, looking me in the eye, he pulled back first one sleeve and then the other.

‘There,’ he said. ‘What do you think?’

His arms, both of them, right down to the wrist, were covered, with barely a patch of flesh to spare, in blue-green tattoos. Mostly they were of skulls and motorcycles, and skulls in Second World War-German-Army-style motorcycle helmets, and motorcyclists with fleshless skulls for heads. There were also the logos of the old British motorcycle manufacturers surmounted by skulls, or just in the general vicinity of skulls. And, on one arm, a naked lady wreathed in a large snake.

‘Gosh!’ I said, or words to that effect.

‘I’m a Hell’s Angel,’ he said.

And thereafter he would tell me, when we were alone together, about his weekends with the Chapter, and about motorcycles and how to customise them to make them just so, and why, when a big petrol tank meant that you could ride for longer and make fewer stops, it was a good thing to replace it with a smaller one, from the point of view of just looking hardcore.

All of which made sense to me then and seemed only right and natural.

I was twenty-three years old, or thereabouts. I saw the world of work, then, as what people had to go through, to pay for what they wanted to do in their ‘real’ time, the time that mattered. And all the business reports on the television talking about the FT-100 Share Index and whatnot, and the copies of the Financial Times in the newsagents, and in the bookshops the shelves upon shelves of books with titles like Odyssey: From Pepsi to Apple, The Ten Habits of Successful Business Leaders and The Corporate Warrior: Your Road Map to Success, I thought, then, that they were what people had to read because of their jobs, and what they had to put themselves through to earn their living. But that beyond these, I thought there were other things that meant more to them: I don’t know—golf, say, even, or motorcycles, or tennis or something. Now, I don’t know so much. Now, I’m not so sure. There are people, I have seen, who every day when lunchtime comes, stay at their desks. There are people who, every day when home-time comes, don’t go home, but instead stay on at work for hours. There are people who, though they have holiday allocation, don’t take it all, or even much more than a fraction of it; and who, when they do leave the office, take with them the concerns of their company, take them on as their own and carry their work around in their heads with them, and when they talk, they talk about work, or else they constantly check mobile electronic devices for messages to do with work. There are people who earn the most extraordinary sums of money working in offices, but who do not know what their own children like to eat. There are television programmes about work, too, game-shows in which the contestants vie to be the best shopkeeper or salesman or distributor or wholesaler, and for whom the prize, should they win, is a job in an office in a provincial retail park.

I shared a taxi, years later, with a businesswoman I had been working with, a senior executive with a multinational company who had lived, for a year or two at a time, in more countries than she could remember, who regularly attended breakfast meetings before work and evening functions with business colleagues and contacts after work, and who said goodnight to her children, most nights, by telephone as the nanny tucked them in; and as we drove, by way of conversation, I asked about her husband and what he did.

‘He’s an entrepreneur,’ she said.

And indeed he seemed to be a successful one, for between them they had an expensive house in a sought-after part of London and a second home elsewhere, and several expensive cars. They both had their clothes made for them by tailors, and had all of the things and did all of the things that successful people have and do.

‘And what are his hobbies?’ I asked.

It took her a moment or two to make sense of what I had said. It seemed to be not the sort of question that she was used to being asked by the kinds of people she habitually mixed with.

‘Business is his hobby,’ she replied, at length.

‘But outside business? I mean, does he have a sport he likes, or an interest or something?’

She thought again.

‘I asked him once. I said, what would you do if you couldn’t work? If you’d earned so much money you didn’t need to. And he said, “I’d start a new company”.’

For some people, work is the thing, the main thing in life. Work is what they choose to do and where they want to be. Work is life.

But then I did not believe this to be so.

In Praise of Savagery

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