Diamond Age   ::   Стивенсон Нил

The Peacock Bank was a handsome man with a salt-and-pepper goatee, smelling of citrus and wearing an exceedingly snappy doublebreasted suit that displayed his narrow waist to good effect. He was to be found in a rather seedy office upstairs of a travel agency in one of the lurid blocks between the Aerodrome and the brothel-lined waterfront.

The banker didn't say much after they shook hands, just crossed his arms pensively and leaned back against the edge of his desk. In this attitude he listened to Bud's freshly composed prevarication, nodding from time to time as though Bud had said something significant. This was a little disconcerting since Bud knew it was all horseshit, but he had heard that these dotheads prided themselves on customer service.

At no particular point in the monologue, the banker cut Bud off simply by looking up at him brightly. "You wish to secure a line ofcredit," he said, as if he were pleasantly surprised, which was not terribly likely.

"I guess you could say that," Bud allowed, wishing he'd known to put it in such fine-sounding terminology.

The banker reached inside his jacket and withdrew a piece of paper, folded in thirds, from his breast pocket. "You may wish to peruse this brochure," he said to Bud, and to the brochure itself he rattled off something in an unfamiliar tongue. As Bud took it from the banker's hand, the blank page generated a nice animated color logo and music. The logo developed into a peacock. Beneath it, a video presentation commenced, hosted by a similar-looking gent— sort of Indian looking but sort of Arab too. "'The Parsis welcome you to Peacock Bank,'" he said.

"What's a Parsi?" Bud said to the banker, who merely lowered his eyelids one click and jutted his goatee at the piece of paper, which had picked up on his question and already branched into an explanation. Bud ended up regretting having asked, because the answer turned out to be a great deal of general hoo-ha about these Parsis, who evidently wanted to make very sure no one mistook them for dotheads or Pakis or Arabs— not that they had any problem with those very fine ethnic groups, mind you. As hard as he tried not to pay attention, Bud absorbed more than he wanted to know about the Parsis, their oddball religion, their tendency to wander around, even their fucking cuisine, which looked weird but made. his mouth water anyway. Then the brochure got back to the business at hand, which was lines of credit.

Bud had seen this all before. The Peacock Bank was running the same racket as all the others: If they accepted you, they'd shoot the credit card right into you, then and there, on the spot. These guys implanted it in the iliac crest of the pelvis, some opted for the mastoid bone in the skull-anywhere a big bone was close to the surface. A bone mount was needed because the card had to talk on the radio, which meant it needed an antenna long enough to hear radio waves. Then you could go around and buy stuff just by asking for it; Peacock Bank and the merchant you were buying from and the card in your pelvis handled all the details.

Banks varied in their philosophy of interest rates, minimum monthly payments, and so on. None of that mattered to Bud. What mattered was what they would do to him if he got into arrears, and so after he had allowed a decent interval to pass pretending to listen very carefully to all this crap about interest rates, he inquired, in an offhanded way, like it was an afterthought, about their collection policy. The banker glanced out the window like he hadn't noticed.

The soundtrack segued into some kind of a cool jazz number and a scene of a multicultural crew of ladies and gentlemen, not looking much like degraded credit abusers at all, sitting around a table assembling chunky pieces of ethnic jewelry by hand. They were having a good time too, sipping tea and exchanging lively banter. Sipping too much tea, to Bud's suspicious eye, so opaque to so many things yet so keen to the tactics of media manipulation. They were making rather a big deal out of the tea.

He noted with approval that they were wearing normal clothes, not uniforms, and that men and women were allowed to mingle. "Peacock Bank supports a global network of clean, safe, and commodious workhouses, so if unforeseen circumstances should befall you during our relationship, or if you should inadvertently anticipate your means, you can rely on being housed close to home while you and the bank resolve any difficulties. Inmates in Peacock Bank workhouses enjoy private beds and in some cases private rooms. Naturally your children can remain with you for the duration of your visit. Working conditions are among the best in the industry, and the high added-value content of our folk jewelry operation means that, no matter the extent of your difficulties, your situation will be happily resolved in practically no time."

"What's the, uh, strategy for making sure people actually, you know, show up when they're supposed to show up?" Bud said. At this point the banker lost interest in the proceedings, straightened up, strolled around his desk, and sat down, staring out the window across the water toward Pudong and Shanghai. "That detail is not covered in the brochure," he said, "as most of our prospective customers do not share your diligent attention to detail insofar as that aspect of the arrangement is concerned."

He exhaled through his nose, like a man eager not to smell something, and adjusted his goatee one time. "The enforcement regime consists of three phases. We have pleasant names for them, of course, but you might think of them, respectively, as: one, a polite reminder; two, well in excess of your pain threshold; three, spectacularly fatal."

Bud thought about showing this Parsi the meaning of fatal right then and there, but as a bank, the guy probably had pretty good security. Besides, it was pretty standard policy, and Bud was actually kind of glad the guy'd given it to him straight. "Okay, well, I'll get back to you," he said. "Mind if I keep the brochure?"

The Parsi waved him and the brochure away. Bud took to the streets again in search of cash on easier terms.



A visit from royalty;

the Hackworths take an airship holiday;

Princess Charlotte's birthday party;

Hackworth encounters a member of the peerage.



Three geodesic seeds skated over the roofs and gardens of Atlantis/Shanghai on a Friday afternoon, like the germs of some moon-size calabash. A pair of mooring masts sprouted and grew from cricket ovals at Source Victoria Park. The smallest of the airships was decorated with the royal ensign; she kept station overhead as the two large ones settled toward their berths.