<h2><SPAN name="XXII" id="XXII"></SPAN>XXII</h2>
<h3>"THE LOOTING OF THE C. T. C."</h3>
<p>There was a wintry quality in the night itself that made a comfortable
chair and an open fire distinctly worth the payment of a luxury tax. Add
to this the fact that the chairs in the library den of William J.
Quinn—formerly "Bill Quinn, United States Secret Service"—were roomy
and inviting, while the fire fairly crackled with good cheer, and you'll
know why the conversation, after a particularly good dinner on the
evening in question, was punctuated by pauses and liberally interlarded
with silences.</p>
<p>Finally, feeling that it was really necessary that I say something, I
remarked upon the fierceness of the wind and the biting, stinging sleet
which accompanied a typical January storm.</p>
<p>"Makes one long for Florida," I added.</p>
<p>"Yes," agreed Quinn, "or even some point farther south. On a night like
this you can hardly blame a man for heading for Honduras, even if he did
carry away a quarter of a million of the bank's deposits with him."</p>
<p>"Huh? Who's been looting the local treasury?" I asked, thinking that I
was on the point of getting some advance information.</p>
<p>"No one that I know of," came from the depths of Quinn's big armchair.
"I was just thinking of Florida and warm weather, and that naturally led
to Honduras,<span class="pagenum"><SPAN name="Page_314" id="Page_314">[314]</SPAN></span> which, in turn, recalled Rockwell to my mind. Ever hear of
Rockwell?"</p>
<p>"Don't think I ever did. What was the connection between him and the
quarter-million you mentioned?"</p>
<p>"Quite a bit. Rather intimate, as you might say. But not quite as much
as he had planned. However, if it hadn't been for Todd—"</p>
<p>"Todd?"</p>
<p>"Yes—Ernest E. Todd, of the Department of Justice. 'Extra Ernest,' they
used to call him, because he'd never give up a job until he brought it
in, neatly wrapped and ready for filing. More than one man has had cause
to believe that Todd's parents chose the right name for him. He may not
have been much to look at—but he sure was earnest."</p>
<hr style="width: 45%;" />
<p>Take the Rockwell case, for example [Quinn went on, after a preliminary
puff or two to see that his pipe was drawing well]. No one had the
slightest idea that the Central Trust Company wasn't in the best of
shape. Its books always balanced to a penny. There was never anything to
cause the examiner to hesitate, and its officials were models of
propriety. Particularly Rockwell, the cashier. Not only was he a pillar
of the church, but he appeared to put his religious principles into
practice on the other six days of the week as well. He wasn't married,
but that only boosted his stock in the eyes of the community, many of
which had daughters of an age when wedding bells sound very tuneful and
orange blossoms are the sweetest flowers that grow.</p>
<p>When they came to look into the matter later on, nobody seemed to know
much about Mr. Rockwell's antecedents. He'd landed a minor position in
the bank some fifteen years before and had gradually lifted himself to
the<span class="pagenum"><SPAN name="Page_315" id="Page_315">[315]</SPAN></span> cashiership. Seemed to have an absolute genius for detail and the
handling of financial matters.</p>
<p>So it was that when Todd went back home on a vacation and happened to
launch some of his ideas on criminology—ideas founded on an intensive
study of Lombroso and other experts—he quickly got himself into deep
water.</p>
<p>During the course of a dinner at one of the hotels, "E. E." commenced to
expound certain theories relating to crime and the physical appearance
of the criminal.</p>
<p>"Do you know," he inquired, "that it's the simplest thing in the world
to tell whether a man—or even a boy, for that matter—has criminal
tendencies? There are certain unmistakable physical details that point
unerringly to what the world might call 'laxity of conscience,' but
which is nothing less than a predisposition to evil, a tendency to
crime. The lobes of the ears, the height and shape of the forehead, the
length of the little finger, the contour of the hand—all these are of
immense value in determining whether a man will go straight or crooked.
Employers are using them more and more every day. The old-fashioned
phrenologist, with his half-formed theories and wild guesses, has been
displaced by the modern student of character, who relies upon certain
rules which vary so little as to be practically immutable."</p>
<p>"Do you mean to say," asked one of the men at the table, "that you can
tell that a man is a criminal simply by looking at him?"</p>
<p>"If that's the case," cut in another, "why don't you lock 'em all up?"</p>
<p>"But it isn't the case," was Todd's reply. "The physical characteristics
to which I refer only mean that a man is likely to develop along the
wrong lines. They are like the stars which, as Shakespeare remarked,
'incline, but do not compel.' If you remember, he added, 'The<span class="pagenum"><SPAN name="Page_316" id="Page_316">[316]</SPAN></span> fault,
dear Brutus, lies in ourselves.' Therefore, if a detective of the modern
school is working on a case and he comes across a man who bears one or
more of these very certain brands of Cain, he watches that man very
carefully—at least until he is convinced that he is innocent. You can't
arrest a man simply because he looks like a crook, but it is amazing how
often the guideposts point in the right direction."</p>
<p>"Anyone present that you suspect of forgery or beating his wife?" came
in a bantering voice from the other end of the table.</p>
<p>"If you're in earnest," answered the government agent, "lay your hands
on the table."</p>
<p>And everyone present, including Rockwell, cashier of the Central Trust
Company, placed his hands, palm upward, on the cloth—though there was a
distinct hesitation in several quarters.</p>
<p>Slowly, deliberately, Todd looked around the circle of hands before him.
Then, with quite as much precision, he scanned the faces and
particularly the ears of his associates. Only once did his gaze hesitate
longer than usual, and then not for a sufficient length of time to make
it apparent.</p>
<p>"No," he finally said. "I'd give every one of you a clean bill of
health. Apparently you're all right. But," and he laughed, "remember, I
said 'apparently.' So don't blame me if there's a murder committed
before morning and one or more of you is arrested for it!"</p>
<p>That was all there was to the matter until Todd, accompanied by two of
his older friends, left the grill and started to walk home.</p>
<p>"That was an interesting theory of yours," commented one of the men,
"but wasn't it only a theory? Is there any real foundation of fact?"<span class="pagenum"><SPAN name="Page_317" id="Page_317">[317]</SPAN></span></p>
<p>"You mean my statement that you can tell by the shape of a man's head
and hands whether he has a predisposition to crime?"</p>
<p>"Yes."</p>
<p>"It's far from a theory, inasmuch as it has the support of hundreds of
cases which are on record. Besides, I had a purpose in springing it when
I did. In fact, it partook of the nature of an experiment."</p>
<p>"You mean you suspected some one present—"</p>
<p>"Not suspected, but merely wondered if he would submit to the test. I
knew that one of the men at the table would call for it. Some one in a
crowd always does—and I had already noted a startling peculiarity about
the forehead, nose, and ears of a certain dinner companion. I merely
wanted to find out if he had the nerve to withstand my inspection of his
hands. I must say that he did, without flinching."</p>
<p>"But who was the man?"</p>
<p>"I barely caught his name," replied Todd, "and this conversation must be
in strict confidence. After all, criminologists do not maintain that
every man who looks like a crook is one. They simply state and prove
that ninety-five per cent of the deliberate criminals, men who plan
their wrong well in advance, bear these marks. And the man who sat
across the table from me to-night has them, to an amazing degree."</p>
<p>"Across the table from you? Why that was Rockwell, cashier of the
Central Trust!"</p>
<p>"Precisely," stated Todd, "and the only reason that I am making this
admission is because I happen to know that both of you bank there."</p>
<p>"But," protested one of the other men, "Rockwell has been with them for
years. He's worked himself up from the very bottom and had hundreds of
chances to make<span class="pagenum"><SPAN name="Page_318" id="Page_318">[318]</SPAN></span> away with money if he wanted to. He's as straight as a
die."</p>
<p>"Very possibly he is," Todd agreed. "That's the reason that I warn you
that what I said was in strict confidence. Neither one of you is to say
a word that would cast suspicion on Rockwell. It would be fatal to his
career. On the other hand, I wanted to give you the benefit of my
judgment, which, if you remember, you requested."</p>
<p>But it didn't take a character analyst to see that the Department of
Justice man had put his foot in it, so far as his friends were
concerned. They were convinced of the cashier's honesty and no theories
founded on purely physical attributes could swerve them. They kept the
conversation to themselves, but Todd left town feeling that he had lost
the confidence of two of his former friends.</p>
<p>It was about a month later that he ran into Weldon, the Federal Bank
Examiner for that section of the country, and managed to make a few
discreet inquiries about Rockwell and the Central Trust Company without,
however, obtaining even a nibble.</p>
<p>"Everything's flourishing," was the verdict. "Accounts straight as a
string and they appear to be doing an excellent business. Fairly heavy
on notes, it's true, but they're all well indorsed. Why'd you ask? Any
reason to suspect anyone?"</p>
<p>"Not the least," lied Todd. "It's my home town, you know, and I know a
lot of people who bank at the C. T. C. Just like to keep in touch with
how things are going. By the way, when do you plan to make your next
inspection?"</p>
<p>"Think I'll probably be in there next Wednesday. Want me to say 'Hello'
to anybody?"</p>
<p>"No, I'm not popular in certain quarters," Todd<span class="pagenum"><SPAN name="Page_319" id="Page_319">[319]</SPAN></span> laughed. "They say I
have too many theories—go off half cocked and all that sort of thing."</p>
<p>Nevertheless the Department of Justice operative arranged matters so
that he reached his home city on Tuesday of the following week,
discovering, by judicious inquiries, that the visit of the examiner had
not been forecast. In fact, he wasn't expected for a month or more. But
that's the way it is best to work. If bank officials know when to look
out for an examiner, they can often fix things on their books which
would not bear immediate inspection.</p>
<p>Weldon arrived on schedule early the following morning, and commenced
his examination of the accounts of the First National, as was his habit.</p>
<p>As soon as Todd knew that he was in town he took up his position outside
the offices of the Central Trust, selecting a vantage point which would
give him a clear view of both entrances of the bank.</p>
<p>"Possibly," he argued to himself, "I am a damn fool. But just the same,
I have a mighty well-defined hunch that Mr. Rockwell isn't on the level,
and I ought to find out pretty soon."</p>
<p>Then events began to move even quicker than he had hoped.</p>
<p>The first thing he noted was that Jafferay, one of the bookkeepers of
the C. T. C., slipped out of a side door of the bank and dropped a
parcel into the mail box which stood beside the entrance. Then, a few
minutes later, a messenger came out and made his way up the street to
the State National, where—as Todd, who was on his heels—had little
trouble in discovering—he cashed a cashier's check for one hundred and
fifty thousand dollars, returning to the Central Trust Company with the
money in his valise.<span class="pagenum"><SPAN name="Page_320" id="Page_320">[320]</SPAN></span></p>
<p>"Of course," Todd reasoned, "Rockwell may be ignorant of the fact that
Weldon doesn't usually get around to the State National until he has
inspected all the other banks. Hence the check will have already gone to
the clearing house and will appear on the books merely as an item of one
hundred and fifty thousand dollars due, rather than as a check from the
Central Trust. Yes, he may be ignorant of the fact—but it does look
funny. Wonder what that bookkeeper mailed?"</p>
<p>Working along the last line of reasoning, the government operative
stopped at the post office long enough to introduce himself to the
postmaster, present his credentials, and inquire if the mail from the
box outside the Central Trust Company had yet been collected. Learning
that it had, he asked permission to inspect it.</p>
<p>"You can look it over if you wish," stated the postmaster, "but, of
course, I have no authority to allow you to open any of it. Even the
Postmaster-General himself couldn't do that."</p>
<p>"Certainly," agreed Todd. "I merely want to see the address on a certain
parcel and I'll make affidavit, if you wish, that I have reason to
suppose that the mails are being used for illegal purposes."</p>
<p>"That won't be necessary. We'll step down to the parcel room and soon
find out what you want."</p>
<p>Some five minutes later Todd learned that the parcel which he
recognized—a long roll covered with wrapping paper, so that it was
impossible to gain even an idea of what it contained—was addressed to
Jafferay, the bookkeeper, at his home address.</p>
<p>"Thanks! Now if you can give me some idea of when this'll be delivered I
won't bother you any more. About five o'clock this afternoon? Fine!" and
the man from<span class="pagenum"><SPAN name="Page_321" id="Page_321">[321]</SPAN></span> Washington was out of the post office before anyone could
inquire further concerning his mission.</p>
<p>A telephone call disclosed the fact that Weldon was then making his
examination of the Central Trust Company books and could not be
disturbed, but Todd managed to get him later in the afternoon and made
an appointment for dinner, on the plea of official business which he
wished to discuss.</p>
<p>That afternoon he paid a visit to the house of a certain Mr. Jafferay
and spent an hour in a vain attempt to locate the bank examiner.</p>
<p>Promptly at six o'clock that official walked into Todd's room at the
hotel, to find the operative pacing restlessly up and down, visibly
excited and clutching what appeared to be a roll of paper.</p>
<p>"What's the matter?" asked Weldon. "I'm on time. Didn't keep you waiting
a minute?"</p>
<p>"No!" snapped Todd, "but where have you been for the last hour? Been
trying to reach you all over town."</p>
<p>"Great Scott! man, even a human adding machine has a right to take a
little rest now and then. If you must know, I've been getting a shave
and a haircut. Anything criminal in that?"</p>
<p>"Can't say that there is," and Todd relaxed enough to smile at his
vehemence. "But there is in this," unrolling the parcel that he still
held and presenting several large sheets of ruled paper for the
examiner's attention. "Recognise them?"</p>
<p>"They appear to be loose leaves from the ledgers at the Central Trust
Company."</p>
<p>"Precisely. Were they there when you went over the books this morning?"</p>
<p>"I don't recall them, but it's possible they may have been."<span class="pagenum"><SPAN name="Page_322" id="Page_322">[322]</SPAN></span></p>
<p>"No—they weren't. One of the bookkeepers mailed them to himself, at his
home address, while you were still at the First National. If I hadn't
visited his house this afternoon, in the guise of a book agent, and
taken a long chance by lifting this roll of paper, he'd have slipped
them back in place in the morning and nobody'd been any the wiser."</p>
<p>"Then you mean that the bookkeeper is responsible for falsifying the
accounts?"</p>
<p>"Only partially. Was the cash O. K. at the Central Trust?"</p>
<p>"Perfectly."</p>
<p>"Do you recall any record of a check for one hundred and fifty thousand
dollars upon the State National drawn and cashed this morning?"</p>
<p>"No, there was no such check."</p>
<p>"Yes, there was. I was present when the messenger cashed it and he took
the money back to the C. T. C. They knew you wouldn't get around to the
State before morning, and by that time the check would have gone to the
clearing house, giving them plenty of time to make the cash balance to a
penny."</p>
<p>"Whom do you suspect of manipulating the funds?"</p>
<p>"The man who signed the check—Rockwell, the cashier! That's why I was
trying to get hold of you. I haven't the authority to demand admittance
to the Central Trust vaults, but you have. Then, if matters are as I
figure them, I'll take charge of the case as an agent of the Department
of Justice."</p>
<p>"Come on!" was Weldon's response. "We'll get up there right away, No use
losing time over it!"</p>
<p>At the bank, however, they were told that the combination to the vault
was known to only three persons—the president of the bank, Rockwell,
and the assistant<span class="pagenum"><SPAN name="Page_323" id="Page_323">[323]</SPAN></span> cashier. The president, it developed, was out of
town. Rockwell's house failed to answer the phone, and it was a good
half hour before the assistant cashier put in an appearance.</p>
<p>When, in compliance with Weldon's orders, he swung back the heavy doors
which guarded the vault where the currency was stored, he swung around,
amazed.</p>
<p>"It's empty!" he whispered. "Not a thing there save the bags of coin.
Why, I put some two hundred and fifty thousand dollars in paper money in
there myself this afternoon!"</p>
<p>"Who was here at the time?" demanded Todd.</p>
<p>"Only Mr. Rockwell. I remember distinctly that he said he would have to
work a little longer, but that there wouldn't be any necessity for my
staying. So I put the money in there, locked the door, and went on
home."</p>
<p>"Do you know where Rockwell is now?"</p>
<p>"At his house, I suppose. He lives at—"</p>
<p>"I know where he lives," snapped Todd. "I also know that he isn't there.
I've had the place watched since five o'clock this afternoon—but
Rockwell hasn't shown up. Like the money—I think we can say 'with the
money'—he's gone, disappeared, vanished."</p>
<p>"Then," said Weldon, "it is up to you to find him. My part of the job
ceased the moment the shortage was disclosed."</p>
<p>"I know that and if you'll attend to making a report on the matter,
order the arrest of Jafferay, and spread the report of Rockwell's
embezzlement through police circles, I'll get busy on my own hook.
Good-by." And an instant later Todd was hailing a taxi and ordering the
chauffeur to break all the speed laws in reaching the house where
Rockwell boarded.</p>
<p>Examination of the cashier's room and an extended<span class="pagenum"><SPAN name="Page_324" id="Page_324">[324]</SPAN></span> talk with the
landlady failed, however, to disclose anything which might be termed a
clue. The missing official had visited the house shortly after noon, but
had not come back since the bank closed. He had not taken a valise or
suit case with him, declared the mistress of the house, but he had seemed
"just a leetle bit upset."</p>
<p>Quickly, but efficiently, Todd examined the room—even inspecting the
bits of paper in the wastebasket and pawing over the books which lined
the mantel. Three of the former he slipped into his pocket and then,
turning, inquired:</p>
<p>"Was Mr. Rockwell fond of cold weather?"</p>
<p>"No, indeed," was the reply. "He hated winter. Said he never was
comfortable from November until May. He always—"</p>
<p>But the "queer gentleman," as the landlady afterward referred to him,
was out of the house before she could detail her pet story of the
cashier's fondness for heat, no matter at what cost.</p>
<p>No one at the station had seen Rockwell board a train, but inquiry at
the taxicab offices revealed the fact that a man, with his overcoat
collar turned up until it almost met his hat brim, had taken a cab for a
near-by town, where it would be easy for him to make connections either
north or south.</p>
<p>Stopping only to wire Washington the bare outline of the case, with the
suggestion that the Canadian border be watched, "though it is almost
certain that Rockwell is headed south," Todd picked up the trail at the
railroad ticket office, some ten miles distant, and found that a man
answering to the description of his prey had bought passage as far as
St. Louis. But, despite telegraphic instructions, the Saint Louis police
were unable to apprehend anyone who looked like Rockwell and the
government<span class="pagenum"><SPAN name="Page_325" id="Page_325">[325]</SPAN></span> operative kept right on down the river, stopping at Memphis
to file a message to the authorities in New Orleans.</p>
<p>It was precisely a week after the looting of the Central Trust Company
that Todd stood on the docks in New Orleans, watching the arrival of the
passengers and baggage destined to go aboard the boat for Honduras.
Singly and in groups they arrived until, when the "all ashore" signal
sounded, the operative began to wonder if he were really on the right
trail. Then, at the last minute, a cab drove up and a woman, apparently
suffering from rheumatism, made her way toward the boat. Scenting a tip,
two stewards sprang to assist her, but Todd beat them to it.</p>
<p>"Pardon me, madam," he said, "may I not—Drat that fly!" and with that
he made a pass at something in front of his face and accidentally
brushed aside the veil which hid the woman's face.</p>
<p>He had barely time to realize that, as he had suspected, it was
Rockwell, disguised, before the "woman" had slipped out of the light
wrap which she had been wearing and was giving him what he later
admitted was the "scrap of his life." In fact, for several moments he
not only had to fight Rockwell, but several bystanders as well—for they
had only witnessed what they supposed was a totally uncalled for attack
upon a woman. In the mixup that followed Rockwell managed to slip away
and, before Todd had a chance to recover, was halfway across the street,
headed for the entrance to a collection of shanties which provided an
excellent hiding place.</p>
<p>Tearing himself loose, Todd whipped out his revolver and fired at the
figure just visible in the gathering dusk, scoring a clean shot just
above the ankle—a flesh wound, that ripped the leg muscles without
breaking a bone.<span class="pagenum"><SPAN name="Page_326" id="Page_326">[326]</SPAN></span> With a groan of despair Rockwell toppled over, clawing
wildly in an attempt to reach his revolver. But Todd was on top of him
before the cashier could swing the gun into action, and a pair of
handcuffs finished the career of the man who had planned to loot the C.
T. C. of a quarter million in cold cash.</p>
<p>"The next time you try a trick like that," Todd advised him, on the
train that night, "be careful what you leave behind in your room. The
two torn letterheads of the Canadian Pacific nearly misled me, but the
other one referring to the Honduran line, plus the book on Honduras and
the fact that your landlady stated that you hated cold weather, gave you
dead away. Of course, even without that, it was a toss-up between Canada
and Central America. Those are the only two places where an embezzler is
comparatively safe these days. I hope, for the sake of your comfort,
they give you plenty of blankets in Joliet."</p>
<hr style="width: 45%;" />
<p>Quinn paused a moment to repack his pipe, and then, "So far as I know,
he's still handling the prison finances," he added. "Yes—they found at
the trial that he had had a clean record up to the moment he slipped,
but the criminal tendencies were there and he wasn't able to resist
temptation. He had speculated with the bank funds, covered his shortages
by removing the pages from the ledger and kiting checks through the
State National, and then determined to risk everything in one grand
clean-up.</p>
<p>"He might have gotten away with it, too, if Todd hadn't spotted the
peculiarities which indicated moral weakness. However, you can't always
tell. No one who knew Mrs. Armitage would have dreamed that she
was—what she was."</p>
<p>"Well," I inquired, "what was she?"<span class="pagenum"><SPAN name="Page_327" id="Page_327">[327]</SPAN></span></p>
<p>"That's what puzzled Washington and the State Department for several
months," replied Quinn. "It's too long a story to spin to-night. That's
her picture up there, if you care to study her features."</p>
<p>And I went home wondering what were the crimes of which such a beautiful
woman could have been guilty.</p>
<hr style="width: 65%;" />
<p><span class="pagenum"><SPAN name="Page_328" id="Page_328">[328]</SPAN></span></p>
<div style="break-after:column;"></div><br />