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- Constance Dunlap - 3/46 -

little before the time I usually arrive there and tell them I am ill."

With her light-fingered touch she worked feverishly, partly with the liquid ink eradicator, but mostly with the spun-glass eraser. First she rubbed out the cents after the written figure "Twenty-five." Carefully with a blunt instrument she smoothed down the roughened surface of the paper so that the ink would not run in the fibers and blot. Over and over she practised writing the "Thousand" in a hand like that on the check. She already had the capital "T" in "Twenty" as a guide. During the night in practising she had found that in raising checks only seven capital letters were used--O in one, T in two, three, ten, and thousand, F in four and five, S in six and seven, E in eight, N in nine and H in hundred.

At last even her practice satisfied her. Then with a coolness born only of desperation she wrote in the words, "Thousand 00/100." When she had done it she stopped to wonder at herself. She was amazed and perhaps a little frightened at how readily she adapted herself to the crime of forgery. She did not know that it was one of the few crimes in which women had proved themselves most proficient, though she felt her own proficiency and native ability for copying.

Again the eraser came into play to remove the cents after the figure "25." A comma and three zeros following it were inserted, followed by a new "00/100." The signature was left untouched.

Erasing the name of "Green & Co.," presented greater difficulties, but it was accomplished with as little loss of the protective coloring on the surface of the check as possible. Then after the "Pay to the order of" she wrote in, as her husband had directed, "The Carlton Realty Co."

Next came the water color to restore the protective tint where the glass eraser and the acids had removed it. There was much delicate matching of tints and careful painting in with a fine camel's hair brush, until at last the color of those parts where there had been an erasure was apparently as good as any other part.

Of course, under the microscope there could have been seen the angry crisscrossing of the fibers of the paper due to the harsh action of the acids and the glass eraser. Still, painting the whole thing over with a little resinous liquid somewhat restored the glaze to the paper, at least sufficiently to satisfy a cursory glance of the naked eye.

There remained the difficulty of the protective punch marks. There they were, a star cut out of the check itself, a dollar sign and 25 followed by another star.

She was still admiring her handiwork, giving it here and there a light little fillip with the brush and comparing this check with some of those which had been practised on last night, to see whether she had made any improvement in her technique of forgery, when Carlton returned with the punch and the blank checks on the Gorham Bank.

From one of the blank checks he punched out a number of little stars until there was one which in watermark and scroll work corresponded precisely with that punched out in the original check.

Constance, whose fingers had long been accustomed to fine work, fitted in the little star after the $25, then took it out, moistened the edges ever so lightly with glue on the end of a toothpick, and pasted it back again. A hot iron completed the work of making the edges smooth and unless a rather powerful glass had been used no one could have seen the pasted-in insertion after the $25.

Careful not to deviate the fraction of a hair's breadth from the alignment Carlton took the punch, added three 0's, and a star after the 25, making it $25,000. Finally the whole thing was again ironed to give it the smoothness of an original. Here at last was the completed work, the first product of their combined skill in crime:

No. 15711. Dec. 27,191--. THE GORHAM NATIONAL BANK

Pay to the order of... The Carlton Realty Co.

Twenty-five Thousand 00/100.........Dollars $25,000.00/100

W. J. REYNOLDS Co., per CHAS. M. BROWN, Treas.

How completely people may change, even within a few hours, was well illustrated as they stood side by side and regarded their work with as much pride as if it had been the result of their honest efforts of years. They were now pen and brush crooks of the first caliber, had reduced forgery to a fine art and demonstrated what an amateur might do. For, although they did not know it, nearly half the fifteen millions or so lost by forgeries every year was the work of amateurs such as they.

The next problem was presenting the check for collection. Of course Carlton could not put it through his own bank, unless he wanted to leave a blazed trail straight to himself. Only a colossal bluff would do, and in a city where only colossal bluffs succeed it was not so impossible as might have been first imagined.

Luncheon over, they sauntered casually into a high-class office building on Broadway where there were offices to rent. The agent was duly impressed by the couple who talked of their large real estate dealings. Where he might have been thoroughly suspicious of a man and might have asked many embarrassing but perfectly proper questions, he accepted the woman without a murmur. At her suggestion he even consented to take his new tenants around to the Uptown Bank and introduce them. They made an excellent impression by a first cash deposit of the money Carlton had thrown down on the table the night before. A check for the first month's rent more than mollified the agent and talk of a big deal that was just being signed up to- day duly impressed the bank.

The next problem was to get the forged check certified. That, also, proved a very simple matter. Any one can walk into a bank and get a check for $25,000 certified, while if he appears, a stranger, before the window of the paying teller to cash a check for twenty-five dollars he would almost be thrown out of the bank. Banks will certify at a glance practically any check that looks right, but they pass on the responsibility of cashing them. Thus before the close of banking hours Dunlap was able to deposit in his new bank the check certified by the Gorham.

Twenty-four hours must elapse before he could draw against the check which he had deposited. He did not propose to waste that time, so that the next day found him at Green & Co.'s, feeling much better. Really he had come prepared now to straighten out the books, knowing that in a few hours he could make good.

The first hesitation due to the newness of the game had worn off by this time. Nothing at all of an alarming nature had happened. The new month had already begun and as most firms have their accounts balanced only once a month, he had, he reasoned, nearly the entire four weeks in which to operate.

Conscience was dulled in Constance, also, and she was now busy with ink eraser, the water colors, and other paraphernalia in a wholesale raising of checks, mostly for amounts smaller than that in the first attempt.

"We are taking big chances, anyway," she urged him. "Why quit yet? A few days more and we may land something worth while."

The next day he excused himself from the office for a while and presented himself at his new bank with a sheaf of new checks which she had raised, all certified, and totaling some thousands more.

His own check for twenty-five thousand was now honored. The relief which he felt was tremendous after the weeks of grueling anxiety. At once he hurried to a broker's and placed an order for the stocks he had used on which to borrow. He could now replace everything in the safe, straighten out the books, could make everything look right to the systematizer, could blame any apparent irregularity on his old system. Even ignorance was better than dishonesty.

Constance, meanwhile, had installed herself in the little office they had hired, as stenographer and secretary. Once having embarked on the hazardous enterprise she showed no disposition to give it up yet An office boy was hired and introduced at the bank.

The mythical realty company prospered, at least if prosperity is measured merely by the bank book. In less than a week the skilful pen and brush of Constance had secured them a balance, after straightening out Carlton's debts, that came well up to a hundred thousand dollars, mostly in small checks, some with genuine signatures and amounts altered, others complete forgeries.

As they went deeper and deeper, Constance began to feel the truth of their situation. It was she who was really at the helm in this enterprise. It had been her idea; the execution of it had been mainly her work; Carlton had furnished merely the business knowledge that she did not possess. The more she thought of it during the hours in the little office while he was at work downtown, the more uneasy did she become.

What if he should betray himself in some way? She was sure of herself. But she was almost afraid to let him go out of her sight. She felt a sinking sensation every time he mentioned any of the happenings in the banking house. Could he be trusted alone not to betray himself when the first hint of discovery of something wrong came?

It was now near the middle of the month. It would not pay to wait until the end. Some one of the many firms whose checks they had forged might have its book balanced at any time now. From day to day small amounts in cash had already been withdrawn until they were twenty thousand dollars to the good. They planned to draw out thirty thousand now at one time. That would give them fifty thousand, roughly half of their forgeries.

The check was written and the office boy was started to the bank with it. Carlton followed him at a distance, as he had on other occasions, ready to note the first sign of trouble as the boy waited at the teller's window. At last the boy was at the head of the line. He had passed the check in and his satchel was lying open, with voracious maw, on the ledge below the wicket for the greedy feeding of stacks of bills. Why did the teller not raise the wicket and shove out the money in a coveted pile? Carlton seemed to feel that something was wrong. The line lengthened and those at the end of the queue began to grow restive at the delay. One of the bank's officers walked down and spoke to the boy.

Carlton waited no longer. The game was up. He rushed from his coign

Constance Dunlap - 3/46

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