Odds Against Tomorrow (2 page)

But when I glanced at Mitchell I saw that he had turned away. Something else had claimed his attention. I followed his gaze to the other end of our row, where an auburn-haired girl had collapsed awkwardly in her seat. Her head was twisted to one side, and her arms dangled crookedly beneath her. She was alone. In the commotion no one else seemed to have noticed her.

Mitchell shot past me, racing down the row, knocking his kneecaps against the chairs as he went. I followed, glancing back and forth between the images of the atrocity and the fainted girl. The juxtaposition was unsettling. It was as if somehow the monster on the screen had reached its talons into Cobb Hall and snatched one of us.

When I caught up to Mitchell, he was frozen, hunched over the girl.

“She needs fresh air,” I said.

At the sound of my voice he spun around. His eyes were large and white.

“She didn’t faint,” said Mitchell.

“How do you know?”

He pulled himself to one side so I could see the girl’s face. I didn’t recognize her.

“It’s
Elsa
,” said Mitchell. “It’s Elsa Bruner!”

*   *   *

Mitchell had first seen Elsa Bruner on a visit the previous October to the Student Health Service. Mitchell was on good terms with the people at SHS—a regular customer. They knew all his specials before he sat down. What would it be this week? A red, scaly patch of unknown provenance? Neck lump? Vague pain about the groin? The nurses welcomed him with patient smiles and made him wait until they had treated everyone with unimagined health concerns.

That particular October morning the doctor had called Elsa Bruner’s name and a pallid, slender, but seemingly healthful girl stood up. She met with the doctor for ten minutes and, after signing a form at the front desk, went on her way. She was not especially attractive or even distinct—a small nose, reddish brown hair hanging loosely to her shoulders, soft eyes spaced slightly too far apart, a delicate chin—and Mitchell would have immediately forgotten her had he not seen her medical form when he checked out. (Mitchell, the doctor had cheerily informed him, was merely exhausted and overstressed; he did not have Crohn’s disease.) Elsa’s medical file, thickly stuffed, was still lying on the counter, and Mitchell couldn’t help but notice, printed in large caps on the top of the front page, the word “BRUGADA.” Other than several cardiologists in the medical school, Mitchell was undoubtedly the only person on campus who understood the meaning of this word.

“It’s a heart disorder,” he explained in the dining hall that night. “It can strike you dead at any time. But otherwise you’re completely healthy.”

“That’s a thing you made up.”

“A girl at U. of C. has it. A second-year. Her name is Elsa Bruner. She was at SHS this morning.”

“Her heart stopped?”

“No. She was probably there for a routine EKG.”

“Is she hot.”

“Don’t you get it? She can drop dead at any time.”

We gave prudent nods. “So she’s desperate.”

Mitchell ignored us. “Can you imagine?” he said. One of his hands began absently to pull at his hair. “She’s a walking worst-case scenario. How does she get out of bed?”

We murmured halfhearted words of concern, but it was too late. We’d lost him. He stood up, shaking his head, and walked out of the dining hall, into the cold night.

Mitchell must have thought about Elsa Bruner often, but I don’t recall that he mentioned her again, and I know he never talked to her until the day of the earthquake. I also know that he never returned to the Student Health Service.

*   *   *

The lecture hall was nearly empty when the two paramedics arrived. Elsa was sitting up in her chair, her hand on her heart. Mitchell’s hand was on his heart too. He was having pains.

“How do you feel?”

She didn’t appear to hear him. There was a quavering, absent curl to her lips. “It happened again.”

She closed her eyes.

“Elsa?”

“I’m only resting,” she said, blinking. “It’s over now.”

She tried to wave the paramedics away, but they ignored her and slapped a blood pressure cuff around her arm. They scanned her student ID into a black machine that resembled a credit card reader. A buzzer sounded and a red light flashed. This seemed to alarm them.

“Ms. Bruner? We need to take you to the hospital. Are you able to walk?”

She nodded and rose stiffly from her seat.

“Do I know you?” she asked Mitchell.

He shook his head and introduced himself.

“I’m sorry you’re … sick.”

“You didn’t do it.” She pointed to her heart. “I did. I did it all by myself.”

The two paramedics, each holding one of her tiny elbows, escorted her from the hall.

On the screen a section of the Alaskan Way Viaduct, clogged with morning commuter traffic, collapsed. The giant concrete slab dropped twenty feet, shattering on the pavement below like a pane of glass. The cars bounced like dice.

*   *   *

When we graduated in June, the panic raised by the Puget Sound earthquake had become part of us. It was slapped across our faces like a birthmark. We were dubbed Generation Seattle. Both the best and the worst suddenly seemed possible. Elsa Bruner, I learned, had dropped out and started a cooperative farm in Maine. Mitchell, like so much of our class after Seattle, moved to New York for a financial consulting job. We fell out of touch. I never saw him again, at least not in the flesh. I wish I could say that we’d been the best of friends, but today I consider myself lucky to have known him at what, I now realize, was a crucial stage in his development.

To tell the truth, I was as shocked as everyone else when I found out what happened to Mitchell Zukor.

The Futurist

1.

The Seattle settlements, to be certain, unnerved nearly every private enterprise in America. But no company had greater cause for anxiety than Fitzsimmons Sherman, which employed more than three hundred workers in offices honeycombed across the seventy-fifth and seventy-sixth floors of the Empire State Building. The Empire State was the most disaster-prone building in America. It had to be evacuated nearly once a year—for no-fly-zone infractions, bomb threats, tropical storms, and blackouts. Fitzsimmons Sherman was the building’s largest tenant, and its wealthiest. After the Supreme Court affirmed the record settlements, Fitzsimmons’s chairman, the ursine, mouth-frothing Sanford “Sandy” Sherman, called an emergency board meeting. The executives and their team of lawyers assembled early one June morning at Sherman’s Sagaponack estate. The windows of the conference room were fogged over with the mist that rose from the ocean. The executives hovered like seagulls over a spread of bagels, lox, and sturgeon. The expensive fish seethed a salty, humid aroma, indistinguishable from the smell of dirty dollar bills.

Once everyone was seated, Sandy Sherman, standing at the end of the massive oval table, asked a question that had haunted him for years: “If the Empire State Building fell, how much would it cost Fitzsimmons? Could we avoid paying as much as our friends in Seattle?”

Fitzsimmons’s friends in Seattle had paid dearly. The loss of life, though regrettable, they could overcome. It was the loss of capital that brought the chief executives to their knees. Even before the ground stopped trembling, the families of the earthquake victims had enacted that uniquely American mourning ritual: they filed class action lawsuits. The lawsuits alleged that the corporations that held offices in downtown Seattle had needlessly endangered their employees’ lives. The companies, in other words, were asked to pay for their dead.

The business leaders of Seattle were outraged. How could they have foreseen the horrors that had engulfed their city? How could they have known that the Emerald City Tower would compress like an accordion or that the black windows that sheathed the seventy-six-story Columbia Center would shatter like a mirror? Sure, they understood the general threat. A significant earthquake struck northwestern Washington every twenty years, and a megathrust earthquake—greater than 9.0 on the Richter scale—every three or four centuries. The Juan de Fuca tectonic plate, located just fifty miles off the coast, was the site of the largest earthquake ever to have struck North America, the Cascadia megathrust earthquake of January 26, 1700. But what were the odds that Seattle would be hit by another Big One anytime soon? In the first decade of the millennium Seattle had relaxed restrictions on building heights in order to encourage downtown growth. If the city’s Department of Planning and Development had approved plans to build skyscrapers, how could the CEOs be expected to know better? They were in the businesses of Internet commerce and banking, after all. They knew nothing about seismology. They were masters of industry, not masters of the universe.

The juries saw images of the bonfires that engulfed the Seattle Art Museum and the white geyser of glass that shot into the clouds when the Central Library imploded. A dozen times they were forced to watch the famous video of the Space Needle falling, its tip piercing the dome of the planetarium, popping it like a blister. They learned that seismologists had given Seattle an eighty percent chance of being hit by a megathrust earthquake before 2060; that the high-rises were known to be vulnerable; that aftershocks, some of them large earthquakes in themselves, would continue for years, perhaps even a decade. They listened to 911 tapes, recorded statements by people who had watched their husbands and wives plunge into Elliott Bay, and heartbreaking testimonies from the children of the deceased. Yes, someone needed to pay for this.

And so the business leaders of Seattle, having already suffered immeasurable financial losses, were ordered to pay settlements to their employees’ families. Blood would be converted into treasure.

The exchange rate was brutal. That’s because the insurance industry, after the terrorist attacks at the turn of the century, had discontinued major catastrophe coverage. The corporations’ insurance plans were worthless. This was a catastrophe in itself. “My God, what did we do to deserve this?” said one business leader to
The Seattle Times
shortly before his firm sent him to a weeklong sensitivity retreat on Fidalgo Island.

Sandy Sherman therefore found himself in a difficult position. Fitzsimmons’s insurance plans, because of the prohibition on catastrophe coverage, would not protect them. But fleeing New York City, or even the building, was inconceivable. The firm would be perceived as craven, weak, fearful. Or worse: un-American. Shares would cannonball. No, they had to stay put.

“Fitzsimmons is on its own,” bellowed Sherman. “So what now, boys?” he added, despite the fact that in the room there were seated two female executives and five female secretaries, all of whom were now busily investigating the carpet.

Sherman’s underlings mimicked expressions of perplexity. They knew better than to speak up, so it is impossible to imagine how long the room might have remained silent were it not for the interjection of a junior account associate from the Department of Equity, Assets, and Derivatives who was in attendance only because he had been asked to serve as proxy for his vacationing boss.

“I don’t mean to sound morbid,” said this junior associate, but his voice caught. He was distracted by something outside the window. The fog had cleared, and a pleasure yacht could be seen gliding just off the coast. The lights in the cabin were out, and nobody was on deck. It seemed, in fact, that nobody was on the boat—that it had been cut loose from its mooring and was drifting toward the ocean.
Was it possible that there was nobody on the boat?

Thick necks chafed against starched collars as the pink faces turned to regard the young man.

“Excuse me,” said the junior associate, his fingers shaking under the table. “I just mean to say that, if our building collapsed, then…” He trailed off, his cheeks flaring with panic.

“Speak up,” Sherman yelled.

“Sorry. I was saying, if the building collapsed—”

“Yes?”

“—if the Empire State Building was destroyed, wouldn’t we all be dead?”

Nobody stirred. The junior associate was extraordinarily conscious of the fact that he was being observed, for the first time in his career, by the distinguished executive board of Fitzsimmons Sherman. He pictured in his mind an amoeba squirming under a glass slide.

“I mean,” he said wildly, “there wouldn’t be anyone left to pay out damages to the victims’ families. So perhaps the whole question is moot.”

Sherman looked down at his papers as if he had suddenly noticed a typo. The older men chuckled silently. The young associate, having never ventured higher than the seventy-fifth floor, was evidently unaware that no executives actually worked in the Empire State. They maintained offices there, of course—with chocolate leather couches unbroken by sitting and dim mahogany lamps that emitted insufficient light for reading and tufted, untrammeled carpets, soft as sea moss—but only the department managers and their staffs reported to the building.

A senior executive remarked upon the escalating price of insurance premiums and the men took that as a cue to resume their breakfast. They made loud smacking noises as they chewed, and gulped their coffee with great thirst. Sherman required coffee to be served at room temperature so that it could be imbibed quickly, like water.

The only thing resolved that day was that Mitchell Zukor, the outspoken junior associate from the Department of Equities, Assets, and Derivatives, would be given a new assignment. He would estimate the company’s financial losses in the case of a catastrophe. It seemed a logical first step. The kid was said to be a mathematical wizard—a quant, in the old terminology. This would be a good test for him, a job that demanded statistical expertise and attention to detail. It would also teach him a lesson.

2.

“What will it cost me?” shouted Mitchell.

He was alone in his office on the seventy-fifth floor, 940 feet above the sidewalk. It was not a large office: four feet wide by six feet long. Mitchell had read that solitary cells in U.S. federal prisons had to measure at least six by nine. It was impossible to think coherently in a room so small and plain, and so insanely bright—for the fluorescent ceiling lights never turned off. Sandy Sherman had seen to that.