Introduction

A captivating financial thriller with a fast-paced plot, Nineteenth Street NW offers a rare glimpse into the mechanisms behind world economies.

Freedom fighter Sophia Gemaye comes from an obscure, mineral-rich, third-world nation where the ruling elite plunders much of the country's wealth. Western governments, greedy for the natural resources, turn a blind eye to the routine oppression, deaths, and disappearances.

To bring attention to the plight of her people, Sophia turns to economic terrorism, devising a plan to sabotage world currency markets. The goal: bring the mightiest corporations and economies to their knees. Her scheme will be neither cheap nor easy. Money she gets from some dubious backers, but she is also needs highly secret financial information--and some very special software to manipulate it. For these, she heads to the International Monetary and Financial Organization (IMFO) where she must woo Harry Hoffinger, whose cutting-edge computer model is crucial to Sophia's plan.

Sophia's penchant for confidential data--and for Harry--catches the eye of Celine O'Rourke, an embittered IMFO veteran, whose dogged pursuit of Sophia's secret takes her from the riot-torn streets of Jakarta to the corridors of power in Washington DC and the hallowed halls of the Palais des Nations in Geneva. As the financial markets begin to crumble, and the lives of key finance ministers hang in the balance, both women will learn the price of love--and the cost of betrayal.

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Excerpt

Prologue: In July 1944, the allied nations met for the International Monetary and Financial Conference at Bretton Woods, New Hampshire. Determined that a Great Depression should never recur, the conference founded two new institutions. The World Bank was established to finance reconstruction and development. The International Monetary Fund was created to promote consultation and collaboration on international monetary and financial problems. More than half a century later, these institutions still stand—one on either side of Nineteenth Street, NW.

This book was written as a celebration of the lives and work of all who are dedicated to making the world better, safer, and more prosperous through international cooperation. But it is a work of fiction. Names, characters, places, institutions, and incidents are the products of the author’s imagination or are used purely fictitiously. Any resemblance to actual events, locales, institutions, or persons, living or dead, is entirely coincidental.

Chapter One

Snow covered Nineteenth Street. A dusting, no more, but already Washington was closing down. Thick rolling mist, punctured only by burning office lights, shrouded the buildings that lined the street. The snow swallowed the usual city sounds; for once, even the sirens were blessedly hushed.

But perched on the edge of her seat as the taxi nosed through the crawling traffic, Sophia Gemaye was insensible to the serenity. Her nerves felt ragged after spending an hour trying to get a cab willing to brave the trek to Dulles Airport. Frantic, she had called a dozen different companies. To scuttle the operation for want of a taxi would be beyond humiliating; it would be absurd. Each step had been planned meticulously: acquiring forged papers, concealing the explosives, priming detonators and timers, checking and cross-checking weather conditions and flight connections. Yet for all the obsessive plotting, it had occurred to no one, not even to Melamed, that Sophia might not make it to the airport in the first place. Then, just when she was close to sobbing with frustration, the first company she had called unexpectedly came through.

Sophia leaned back in her seat, forcing herself to relax. Checking her face in the mirror, she essayed a smile; it looked weak and unconvincing. Her eyes, normally so large and innocent, had sunk into their sockets. She rubbed her cheeks to draw some color, trying for a casual air, not this pale, pinched look that betrayed her fear.

The taxi stopped again, snarled in the traffic at the corner of Pennsylvania Avenue. The flight left at seven, and already it was ten past four. Sophia peered out the window. Ahead of her a forbidding cathedral of glass and steel disgorged office workers. They gathered in twos and threes, spilling into the street in anticipation of a green light, slowing the cars further. Through the swirling mist, she could just make out the words International Monetary and Financial Organization etched above the entrance. Sophia gazed at them in silence, as if seeking inspiration, until at last the cab jerked forward and Nineteenth Street faded from view.

It took nearly half an hour to reach the highway. She’d called the airline twice before leaving, and each time the clerk had been adamant that no delays for the London flight were expected. The clerk’s English accent still rang in her ears, crisp as the falling snow, as though its owner would brook no nonsense, not even from the weather. How she yearned for the luxury of the same confidence.

At last the cab pulled into Dulles Airport, an oversized glass tent that seemed to sag in the center. The driver dumped her cases on the curb side, muttering some lie about extra charges for snow days. Too nervous now to argue, Sophia meekly handed over the money and entered the terminal, buffeted by a blast of overheated air.

She made her way to the water fountain, drank greedily, and removed her jacket. She was of medium height and honey complexion, with sculpted cheekbones and sharp delicate features. Her ensemble—black stirrup pants and white cashmere top, crimped by a purple belt to accentuate her slender waist—gave credence to her part as a well-to-do foreign student on her way home for the holidays. A final pat of her thick black hair, and she made for the check-in counter with a calmer, more confident gait.

The clerk, a balding man with steel-rimmed glasses, took her passport and ticket in one hand, deftly tapping the keyboard with the other. He stopped and looked at her—a cool appraising gaze. Sophia reached for her gold chain, twisting it around her finger. The clerk returned to the keyboard, and with a hostile flash of those spidery glasses said, “You’ll change planes at Heathrow, but we can check your bags straight through to Geneva.

“One piece is it?”

Sophia nodded, then answered the usual litany of security questions. Had she packed her own case? Accepted any gifts? Packed any electronic equipment?

“Oh, just a laptop,” she corrected herself, trying to sound nonchalant. “I really have to make a start on my dissertation these holidays,” she added, remembering too late Melamed’s warning to never volunteer information. But it sounded natural, and the clerk gave a knowing smile, as though he’d heard that one before.

“You’ll just need to pass your case through security, ma’am. They’ll give you your boarding pass after inspection.”

“What? Oh, no. I want to check in my suitcase, not take it in the cabin with me.”

“I understand. But you still need to pass it through security. Over here, on the right please.”

Sophia turned. At the end of the row of counters was a makeshift table on which a team of security guards was searching through suitcases. A manual search! Sophia’s face blanched. But surely, she thought, surely they just x-ray cases, they can’t possibly go through each one by hand.

As if reading her thoughts, the clerk said, “All luggage that is taken on board is automatically screened. But at this moment in time, TSA is also requiring that we do spot checks manually. It’s an additional security measure for the Christmas season. It’ll only take a moment. Passengers are chosen at random,” he added, consolingly.

Sophia stared at him blankly. For a moment, she thought of aborting the operation, but before she could protest, another clerk had seized her case and was marching toward the security station. Sophia followed meekly.

The guard who searched her case—a big, black man, crisp in his navy trousers and starched white shirt, the TSA emblem emblazoned proudly on the shoulder—was almost painfully polite and deferential. Melamed had warned her not to lock her case—it might invite attention, and they could force the locks anyway—but still the guard insisted on allowing Sophia to open the case herself. She wished he’d be rude or do something wrong—linger over her lingerie, crease her clothing, drop something on the floor—anything, as long as she could pretend to take umbrage, make a fuss, and distract attention. But the guard never gave her the chance, sifting through her belongings expertly, returning everything to its original place.

It took less than a minute, then the security guard was reaching for the lid of her case when suddenly he paused, and instead took out the laptop and placed it on the table. He flipped open the screen and ran his rubber-gloved finger around the edge, looking for the on switch.

Sophia stood mesmerized. She was conscious of the sounds around her— the child pleading for a box of crayons, the tinny voice on the PA system making unintelligible announcements, the Skycap porter rumbling by with his cart, whistling through his teeth—but she felt curiously detached from them. They were like characters in a film, engrossed in a world in which she did not belong.

Her breath was coming in short, sharp gasps, her fingernails digging deep into her palms. In a minute, in a second, the guard would push the button. And then? She could picture it all with horrible clarity: shouts, alarms, footsteps, shots.

Just then a dog, escaped from its travel crate, scurried across the concourse, its harried owner in pursuit. The guard, momentarily distracted, closed the laptop absentmindedly and returned it to Sophia’s suitcase. Another guard snapped shut the locks and slapped security stickers over them. Then he was handing Sophia her boarding pass. She was still too dazed even to feel relief. Finally she realized he was waiting for her to take the boarding pass and beginning to look at her oddly. She forced herself to unclench her fists to accept the boarding pass, muttered her thanks, and backed away, the next passenger already jostling into her place.

There was no turning back now, no escape, Sophia thought, as she stumbled down the aisle, looking for her seat. She had never quite believed it would get this far, that she would have to confront this moment. Not even a week ago, as she’d watched Melamed assemble the device.

He had unscrewed the back of the laptop case, prying out the hard disk and most of the other components. In their place he had inserted a series of small silver packets, shaped like the pieces they replaced, containing densely packed explosives, hermetically sealed to prevent electronic sniffing. They looked like chocolate bars wrapped in silver paper. She had fingered one, marvelling at its innocence. Finally Melamed connected the detonator to a timer that ran off the computer’s miniature battery and inserted it into an empty expansion slot.

Strangely enough, it was an experience that had reminded her of her father. When Sophia was a child, she and Daddy used to spend countless hours sprawled on the playroom floor, immersed in Meccano parts and happiness, assembling wondrous mechanical contraptions. For her seventh birthday Sophia was promised Meccano No. 10, the top-of-the-line model, with gears and girders and thousands of nuts and bolts, a hugely expensive extravagance for a favorite child. She and her stepmother—her own mother had died when Sophia was two—were in Geneva, sent there by her father when the troubles first began in her country. Daddy was supposed to join them a few weeks later, in time for her birthday. At last, the long-awaited day arrived, and with it a fabulous exciting package from Hamley’s toy store. But no Daddy. For days, there were only vague rumors and frantic phone calls. Later, much later, Sophia learned the truth. But at the time all she knew was that Daddy had been plucked from her life, never to return. And she had never opened her magnificent Meccano set, always waiting, always hoping, for Daddy to magically appear and then they would open it together. Whatever happened to it, Sophia wondered, as she clicked her seat belt shut. It must still be up in the attic, virgin in its box, gathering dust and memories like some Victorian bride jilted at the altar.

At last the aircraft backed away from the gate and taxied into the white wonderland. It paused at the end of the runway as though taking a deep breath, then with a gentle rumble of the engines they were airborne, banking steeply to head out over the Atlantic. The captain’s voice came over the speakers. It was going to be a short flight—six hours, perhaps less. Tailwinds across the Atlantic, he explained, always strong in December, were particularly fierce tonight.

Sophia reclined her seat, waiting for her dinner. She looked around the cabin, studying the other passengers, pondering their stories and wondering what fate had brought them on this flight. It was a solitary amusement, the sort of game she’d learned to play in the loneliness of childhood.

Beside her sat an American couple, off to their grand tour of Europe. The husband looked like a salesman. Used cars perhaps: he exuded the brash confidence that so often substitutes for quality merchandise. His wife, a teacher or a nurse, Sophia guessed, was working her way methodically through a stack of tourist brochures. Across the aisle, a businessman was trying to chat up the woman beside him with a bevy of pre-packaged phrases.

As Sophia returned to her magazine, immersing herself in the horoscope section, she felt a gentle tug at her sleeve. It was a little girl, perhaps eight or nine, with a face so angelic it made Sophia suspicious at once of the mischief it must conceal. Sophia reached into her bag and pulled out a roll of toffees. The girl smiled and took one, and after a moment’s hesitation, took a second and popped it into her pocket. Then, like two grandees exchanging gifts, she proffered Sophia a scruffy pad of paper on which she’d drawn a noughts and crosses grid, but the child’s mother spotted her and drew her back with an apologetic smile. Sophia wanted to protest, to say, No, it’s all right. I’d like to play, but she was suddenly assailed by nausea, feeling at once hot and cold, her forehead clammy to the touch.

She was filled with revulsion at what was going to happen. People—real people—were going to die when the bomb exploded. People like the couple beside her, the businessman with his pathetic leering stares, the pert air hostess squeezing down the aisle, the little girl, now back in her own seat, playing happily with her mother.

Unbidden, unwanted, a memory hit Sophia with a jolt. It was the photo of an airline crash she’d once seen many years ago on the cover of Paris Match. Every detail of the image was carved into her mind: the carcass of the plane lying incongruously in a golden field, its belly ripped open as though savaged by some great beast, its metallic bones strewn indifferently across the countryside. There had been a fire, and the burnt bodies of the passengers lay around the wreckage. A doll had remained miraculously intact, its skin horribly pink against the seared flesh of its owner.

Glancing back at the little girl through the cracks between the seats, Sophia shuddered at the thought of this child being handled by the salvage crew with rubber gloves, stuffed into a body bag like some obscene biological specimen. Oh, dear God, how did I get into this?

But she knew.

It had all started innocently enough, some seven years ago, in the drafty drawing room of a Sussex country house. Sophia was dining with her boyfriend, Simon, and his parents. It was the first time she’d met them, and the last. As the evening progressed from bad to worse, Sophia couldn’t decide which was more painful: the forced joviality of Simon’s father or the frigid politeness of his mother. One thing was clear, though. Ten years of boarding school in England and an accent sculpted to perfection still hadn’t made Sophia “English” enough to fit into their tidy little society. Simon had tried to shrug it off as Mother being her usual difficult self, but Sophia, deeply hurt, ended the relationship abruptly.

And yet, Sophia mused, peering at the inky sky through the cabin window, perhaps she should have known all along the futility of trying to fit in, for that night at Simon’s had marked the end of her attempts at assimilation, not the beginning of her alienation. That had started earlier—much earlier. Twenty years ago? Twenty-five? Sophia couldn’t have been more than eight or nine, packed off to boarding school in England, mistrusted because she was foreign, pitied because she was an orphan. Or close enough. Daddy had died a couple of years before, and her stepmother had been too busy in Paris or Geneva or Monte Carlo to claim Sophia for half-term breaks. How she dreaded those breaks—hanging about while the headmistress phoned up parents, trying to place Sophia with someone, anyone, even girls she detested. How she despised the other girls at school; how she longed to be one of them, too.

All through her school years, Sophia had struggled to fit in, to be one of the girls, to deny her alien roots and heritage. Then, in the pain of rejection by Simon’s family, she became equally determined to know her native country, abandoned those many years ago. She went on a reading binge, plowing through everything she could find about her people, her history, her country, even digging up old United Nations reports from the 1980s that chronicled the human rights abuses already taking place.

The troubles in her country had started soon after Independence. At first, the government was too bristling with post-colonial pride to pay attention to anything a small ethnic minority in the northeast corner of the country said or did. But then they started discovering the ores and heavy metals in the region; there were lucrative foreign mining contracts to be awarded, fortunes to be made. Gradually, all this nonsense about autonomy and self-determination and—most egregious of all—separate statehood for the ethnic minority began to matter, and matter very much.

With sovereign brutality, the government clamped down. The Sedition Law (1977), the Proclamation of Territorial Integrity (1979), the Anti-terror-ism Act (1984, amended 2002), and a dozen other laws and decrees mandated a single language, a single religion, a single country. Anyone daring to suggest otherwise or questioning the Republic or, God forbid, insulting the president, found himself thrown in jail for terms stretching two to twenty years.

In those days, the country was a front-line state in the War Against Communism, the president a stalwart ally of the West. In return, Western governments were willing to sell him the latest military toys and to overlook any oppression, any abuse, as long as they could operate their airbases and early warning stations from the northern territories. After the Cold War, the regime had fallen into disfavor with the West, and there was hope that international pressure might force it to mend its ways. The president had shown the good sense to keep a low profile, throwing the occasional bone to foreign journalists and human rights organizations—release of a long-time prisoner of conscience, promise of electoral reforms—while denying entry visas to the more meddlesome ones.

Now it was a different era. The president had handed day-to-day control of the country to his nephew—his own son he’d had murdered years ago for attempting an early power play—and the West’s new cause was the War Against Terrorism. With canny prescience, the regime had signed on at once, eager to show it was willing to do its part. Not that there were any terrorists within the country—certainly none of global reach or with the remotest link to the Trade Center attacks—just a handful of freedom fighters calling for an end to the oppression and the beginning of a true democracy. But it gave the government the perfect pretext for renewing its clampdowns. Students, trade union leaders, political opponents—anyone could be rounded up in the name of security. And the Americans, good natured but simplistic, always viewing the world in black and white, good and evil, cowboys and Indians, “with us or against us,” had swallowed the act, declaring the regime a force for freedom and a staunch ally in the global War on Terror.

Sophia was sickened to read of schoolteachers risking not just their livelihoods but their very lives for the sake of muttering a few words before class in the hope of keeping alive the culture, the history, the language of their proud and ancient people. At the time, Sophia was working on her doctorate at the London School of Economics. Before long she found herself embroiled in the debates and discussions of the various radical groups decrying the aborted birth of her nation, the president and “first family” pillaging the country’s wealth, the silencing of any opposition, the complicity of the civilized world.

But her disillusion with them soon set in, as the Marxist-Leninists battled the Leninist-Marxists over the finer points of dialectical materialism. The radical students were all of a kind: unwashed and unkempt, with greasy skin and woolly sweaters, carrying about them the languor of late nights and the smell of stale smoke. Sophia soon came to realize she had nothing in common with them or their barren bombast.

It was only when she visited her homeland that she really understood. The little things, not the political mumbo-jumbo, struck her. Children playing with sticks and old tires in festering slums. Rotten heaps on which dogs foraged for food, their ribcages protruding, snouts pinched and vicious with hunger. The dusty shops selling smelly old clothes and broken hardware and all the assorted rubble that only the poor will buy. The mixture of reverence and resentment in peoples’ eyes as the armored Mercedes sped by, shuttling the rich and powerful from one presidential palace to another. The grim-faced guards and dull-eyed women, and always and everywhere, the stench of refuse and corruption.

Sophia had returned to London filled with horror and disgust, ashamed of her relief at having escaped growing up under this oppression, and loathing the regime that had made it possible. Melamed, a veteran freedom fighter who’d been in the struggle for democracy ever since his own student days, spotted her at one of those meetings at the LSE. It was from Melamed that she finally learned the truth about her father—and what she could do about it.

Sophia’s father had been a jurist of international renown, called to the Bar in London, and a prominent lawyer in his own country. Although students could be thrown in jail, dissidents made to disappear, a man of his standing could not be disposed of so readily. When he began defending dissidents and documenting disappearances, the regime resolved to silence him.

There was a small photograph in the newspapers the day he died—Sophia had gone to the British Library, finding it among the other obscure foreign newspapers of twenty years ago. She studied the picture through a magnifying glass, coveting every pixel, as if searching for some hidden truth. The body lay prostrate on the dusty road, distended in anguish. The car had broken his spine, his arms were flung forward, his head tilted back unnaturally. Sophia could almost hear the awful snap, the agonizing howl the instant before he died.

Anger had been her only solace, and taking refuge in it now, she glared at the couple beside her on the plane. Their faces were filled with plump complacency, their greatest worry whether to visit the Tower of London or Madame Tussauds. The wife was eating pretzels, stuffing her mouth a handful at a time. She drank her beer in great gulps, her double chin wobbling with the effort. The husband was picking at his nose with determined digs of his fingernail. Sophia looked at them with revulsion. Western governments were willing to support the regime, to tolerate any injustice and every misery in her country, so that people like these could continue their smug, inane existence.

Yet even that was an illusion, for the crackdowns in her country in no way impinged on them, in no way made them safer, in no way brought them justice for the attacks America had endured. And these people, Sophia thought, surveying the cabin—the couple beside her, the businessman with his bevy of pickup lines, the young woman studiously ignoring him—in whose name, and for whose sake, their governments had propped up the president and his cronies for thirty years or more, would never bother to learn the facts, study the history, discover the truths about her country or its suffering. To them it was an obscure and distant land of little import and less concern. What did they care if the regime used the War on Terror to promote its program of ethnic cleansing and political suppression with the connivance of their own governments? All they wanted was to feel safe, regardless of the price others might pay for their sense of security.

In their indifference lay their guilt, Sophia told herself, echoing Melamed’s favorite refrain. Well, no longer. From tomorrow Western governments would learn that expediency exacted a price, that if they continued to prop up oppressive regimes so that they could buy their support and count on a few friendly votes at the UN for their latest crusade—be it against communism or against terrorism—then it would cost them dearly.

In just a few hours the computer’s clock would generate a tiny electric current, disproportionate to its effect. The explosion would not be large, but enough to break the pressure seal of a cargo bay. Sophia wondered what would happen then. Would the plane plunge at once into the icy waters below? Would the oxygen masks pop down as promised in those announcements to which no one ever listens? Would the passengers be plucked out in tidy rows of three, helplessly clutching the arms of their seats? How many lives would be lost? A hundred, perhaps. But against them must be weighed thirty years of oppression against her people and the systematic murder, over the years, of thousands of men, women, and children. As Melamed liked to say, innocent people die all the time; they might as well die for a reason. And how can there be innocence when there is injustice?

The gin was doing its work, dulling her mind. Dinner came, followed by the movie. Here and there in the dimness of the cabin were little oases from the overhead lights. One was shining in the row behind Sophia. The little girl’s mother was reading her a story. Sophia peered back at them again. The girl might easily have been Sophia twenty years ago, the woman her stepmother. Only her stepmother would not have been reading to her; she would have plonked a pile of comic books in front of Sophia and become engrossed in a cheap thriller.

The girl spotted Sophia watching them and smiled. And with that simple smile, she unravelled the cocoon of self-protection Sophia had woven herself, mocking her calculus of justice and justification.

Sophia turned away abruptly and closed her eyes, trying to shut out the kaleidoscope of images haunting her mind: the little girl beside her mother, the device nestling in the suitcase, her father’s body prostrate on the ground, the doll buried in the rubble. view abbreviated excerpt only...

Discussion Questions

From the publisher:

1. The author of Nineteenth Street NW, Rex Ghosh, has an extensive background in international economics, finance, and public policy as a leading advisor on several macroeconomic stabilization programs. His current position concerns the stability of the international monetary system. How do you feel that this experience contributed to the writing of Nineteenth Street NW?

2. In Nineteenth Street NW there are some graphic descriptions about the often devastating effects of financial crises on the lives of ordinary citizens. The United States is coming out of its worst financial crisis since the Great Depression. How has this crisis affected you—your job, your home, your personal finances and family budget, your retirement savings? Does the book give you other insights or perspectives on how the financial crisis did or could have affected you? [Do you feel more sympathetic to people in other countries suffering economic crises as a result of the book or your own experience over the past couple of years?]

3. After reading Nineteenth Street NW, how has your opinion of financial terrorism changed? Do you feel that this is a problem our nation may have to deal with in the near future?

4. Rex Ghosh lists on his website (http://www.nineteenthstreetnw.com/prevent19.html) 10 tips on what you can do to help prevent financial terrorism. Were you taking these steps before you read Nineteenth Street NW? If not, do you plan on putting some of his suggestions into place?

5. Freedom fighter Sophia Gemaye has many struggles in the beginning of the novel with her ethnicity, especially when she remembers visiting her boyfriend Simon in England underneath the disapproving stares of his parents. Have you ever had an experience where you felt out of place or "foreign?" How did you react?

6. Nineteenth Street NW features two very strong female lead characters—Sophia Gemaye and Celine O'Rourke, an embittered IMFO veteran. What do you believe has been the impact on having two female leads carry the plot of the book? Do you believe the plot or the book would have been significantly different if one of these characters had been male?

7. Celine obviously has some terrifying personal experiences while working in the countries IMFO has sent her, Indonesia in particular. How do you feel that these horrifying moments contributed to her reserved nature? What importance did her memories carry throughout the novel?

8. While Celine and Harry work together to prevent a total financial collapse from occurring in Indonesia, she feels demeaned, put down, and not taken seriously by the Managing Director of the IMFO Toyoo Kiyotaki during the presentation of their findings. How do you feel that Celine handled this incident? Have you experienced anything similar in a work situation where you were looked down upon because of your age, gender, or background?

9. Oftentimes when other books are named in a published work, they share some similarities or parallel plot lines with the character who reads them. In Nineteenth Street NW, Sophia is in the process of writing a book that concerns Aldous Huxley's Brave New World, George Orwell's Nineteen Eighty-Four, and Yevgeny Zamyatin's We. In all three books, the economic structure of society is inextricably linked to the power of the ruling oligarchy and their ability to deny personal freedom and control individual thought. Do you see any parallels between these three books, the above concept they share in common, and Nineteenth Street NW?

10. Sophia and Melamed are from an obscure, mineral-rich, third-world nation where the ruling elite plunders much of the country's wealth. Both have lost loved ones when standing up to their corrupt government—for Sophia, her father and for Melamed, his fiancée. To avenge their loved ones and to try and make a better future for their country, the two have turned to financial and other forms of terrorism in an attempt to gain some attention. What would you have done if you were in their place?

11. The ending of Nineteenth Street NW is not exactly a happy one, unlike many other thrillers on the market today. How did you feel that it was fitting to the outcome of the novel? And if you did not, what would you have changed?

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