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blockgeni · 2 years ago

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The majority of people who have heard of central bank digital currencies (CBDCs) dislike them. The only people who care about central bank digital currencies are the central banks that create them, and perhaps a few monetary policy geeks or clever bulge bracket banks that believe they can make a lot of money off of them. CBDCs are not yet available to the general public. They don't really exist, except for a pilot project in a small region of China. But imagine their implementation and what, if anything, impact it would have on cryptocurrencies that compete with fiat today as a source of wealth generation. According to John Wu, head of Ava Labs, the company that created the Avalanche blockchain, there is certainly enormous potential here. Currently, the Fed's balance sheet is around $9 trillion. The $45 billion moving towards digital, even if only 50 basis points of it, is nothing to sneeze at. This presupposes that the government hires private blockchain firms like Avalanche under contract. Another option is for the market to develop money market funds linked to these things. Nobody is yet aware. It's all extremely science fiction and idealistic. CBDCs are programmable in their "better" forms. Thus, the central banks that manage them have it easier to regulate consumer spending, which equates to easier control of inflation without the need to raise interest rates and enrage bond lords. What Exactly Are CBDCs? What's the matter with them? A CBDC will be a liability of the central bank and will be managed by the central bank. Right now, there are two types of central bank money: physical dollars issued by the Federal Reserve and digital balances held by commercial banks at the Federal Reserve, which are "digital" in the same way that a debit card is. This is how Americans have stored money for a long time, using bank-linked credit cards and internet payment services. Because a CBDC is managed by the Fed and not a commercial bank, it differs from other payment methods like credit and debit cards. The Federal Reserve's responsibility is to supervise the money supply and control inflation. One method to achieve that is using programmable currencies. This is the cornerstone of CBDCs, however the definition of programmability has not yet been established. CBDC development is still in its early stages. CBDCs are being developed in two different forms: retail and wholesale. Governments must choose whether their stablecoin will have permissionless, permissioned, or semi-permissioned access. These routes will eventually decide geopolitical effectiveness and the impact on other cryptocurrency ecosystems. For instance, application-specific blockchains like subnets on Avalanche will be able to meet the Central Bank's compliance criteria if operating in a permissioned environment. A blockchain network without permissions is present in Bitcoin. Access and maintenance are open to anybody with a functional internet connection and a compatible device. Blockchains that require authorization to utilize them are mostly employed by governments and companies. Steve Forbes claimed that CBDCs posed a ominous danger to our liberty. Governments would be able to track each and every transaction and sale made due to digital money. Officials could simply seize or freeze all of your money, making it a terrifying instrument of control. Beijing's enthusiasm for CBDCs is understandable, he said. How Governments Will Offer Citizens CBDCs One prediction is that universal basic income will be provided through CBDCs. You must apply for a chip reader credit card to be connected to the CBDC blockchain matrix and receive universal basic income. Another approach is to make it widely available during a crisis, like hyperinflation. Although it is now starting to decline from its highs, if inflation in the West, where CBDCs are most frequently discussed, remained in the 8% and above range, one could imagine the government using

this to persuade businesses and consumers that a digital dollar will be a good way to control inflation. The media would then be summoned to vilify anyone who believes CBDCs are a bad form of programmability and control as a "conspiracy theorist" or other such nonsense from central bank technocrats. According to Dr. Praveen Buddiga, Co-Founder of Terareum, a cryptocurrency exchange with offices in Dubai and Chennai, India, "A digital dollar, in his view, is going to be the equal of fiat money, although held virtually in your banking checking account or an account opened with permission through some fintech application overseen by an authorized subsidiary of the Federal Reserve. The digital dollar would continue to have its own unique line item for records. The Fed CBDC would be preferable over cash because it would guarantee financial transfers and provide other benefits like safety, convenience, speed of remittance, and instant debt settlement. Regardless of the blockchain protocol the central bank chooses, the CBDC's transactions and settlements would take place on that blockchain, which may also be backed by other assets like hard cash, fixed-income securities, or commodities like gold. According to Buddiga, he sees a fiat-backed stablecoin built to keep the currency's current degree of stability. Similar to USD currency and TetherUSDT, it will only be tied to the US dollar. Life as a USD coin or Tether with a CBDC on the market is difficult to envisage, but who knows. CBDCs do not now exist, although those digital currencies do. The fact that central banks are joining the digital currency game late could be a factor in this first-mover status issue. As long as Tether has the funds to support its token, customers may remain satisfied with it forever. However, their presidents would have full taxing and legal authority from the government to do so if the central banks decided to destroy that market. Will Bitcoin be Banned? - Bitcoin vs. CBDCs According to the "Digital Dollar Project" study dated January 2022, the Federal Reserve wants to approach CBDCs cautiously while minimizing disruption of the status quo. That report supported the maintenance of the current commercial system, assuaging concerns that a CBDC would become the be-all and end-all of financial transactions. This means that the CBDC would operate similarly to actual cash or a credit card in terms of dissemination, distribution, and ultimately redemption. In a free market society, it would be better to have both CBDCs and bitcoin instruments, according to Buddiga. The corresponding CBDCs perform the function of stablecoins pegged at a 1:1 ratio to the Digital Dollar, whereas bitcoin performs the function of an instrument subject to macroeconomic conditions in the global market. This has been a project for central banks for at least the last three years. The first was China, whose most recent trial took place in October. In 2020, the European Central Bank published its initial digital euro report. On November 7, Christine Lagarde, president of the ECB, outlined her rationale for taking into account CBDCs. In 2021, she noted, 10% of Europeans and 16% of Americans owned bitcoin and other altcoins. They are too unstable to be used as a form of payment, she claimed. She remarked, possibly pointing to the Luna currency debacle, Stablecoins are designed to be less volatile, and so more acceptable for payments, but they are prone to runs - and often not supported at all. Lagarde cautioned that the involvement of Big Tech in payments increased the danger of market hegemony and reliance on foreign payment systems. She added this has implications for Europe's strategic autonomy. More than two-thirds of card payments in Europe are processed by foreign firms. In April 2021, the Bank of England established its CBDC task team. They are currently beta testing a CBDC wallet as of this month. The Federal Reserve has partnered with 12 financial

firms, ranging from banks to credit card processors, to examine CBDCs since the demise of FTX. Since 1930, the Bank for International Settlements (BIS), also known as the central bank of central banks and co-owned by 63 central banks headquartered in Switzerland, has proposed three fundamental concepts for the establishment of CBDCs: Do no harm: When central banks issue new types of money, currencies should be converted as smoothly as possible, allowing the financial institution to maintain its stability while meeting policy objectives and other mandates. Coexistence: To reinforce public policy goals, the various currencies issued by the Central Bank, such as paper currency, coins, and digital currency, should coexist. Alternative forms of central bank money must meet the public's demand for cash withdrawals while also allowing for uninterrupted private and commercial banking procedures and transactions. And Finally, innovation: National governments should allow and encourage both the public and private sectors to promote various payment instruments in order to meet the need for both parties to have safe and accessible payment services. Sounds logical. Though is it? It's too early to say. Additionally, in order for CBDCs to be the worst of what the critics accuse it of being, it would have to require people to transact in digital dollars and outlaw the growing alternatives, in this case, cryptocurrencies. At this moment, no central bank should forbid the existence of bitcoin, Buddiga respectfully disagrees. It is the force behind the cryptocurrency (and blockchain) industries. The term "at this moment" is crucial here. Will it transpire later? Investors in cryptocurrencies must pay attention. Earlier this month, a senior executive of the European Central Bank Fabio Panetta called for a ban on cryptocurrencies like bitcoin that had an "excessive ecological imprint" and compared investment in cryptocurrencies to gambling. Investors should avoid purchasing bitcoin, Panetta advised, as the house of cards is falling. He preferred CBDCs, in general. This necessitates a risk-free and dependable digital settlement asset, which only central bank money can provide, he said on December 7 in a speech in London. That is why the ECB is developing a digital euro...for the future of central bank money settlement. Source link

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fmionlineuk · 2 years ago

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Which Bank Should You Really Work For?

We live in a world that's filled with different types of companies and figuring out the company for you is a very common problem that many people face. The best way to decide would be to look around the business industry and determine which companies are growing or expanding the most.

Types of Investment Banks

There are four main types of investment banks: bulge bracket, middle market, regional, and boutique.

Bulge bracket investment banks are the largest and most well-known firms. They advise big companies on mergers and acquisitions (M&A), offer capital markets services like underwriting and trading, and provide other financial services. The top bulge bracket firms include Goldman Sachs, JPMorgan Chase, Morgan Stanley, and Bank of America Merrill Lynch.

Middle market investment banks are smaller than bulge bracket firms, but they still advise large companies. They often provide M&A advisory services and some capital markets services. Middle market firms include Raymond James, Piper Jaffray, Jefferies LLC, and Cowen Group.

Regional investment banks focus on a particular geographic region, often where the bank is headquartered. They work with small- to medium-sized businesses in their area and offer a variety of financial services including M&A advisory, capital markets support, lending, and private equity. Notable regional investment banks include BBVA Compass in the Southwestern United States, Baird in the Midwest, and Janney Montgomery Scott in the Mid-Atlantic region.

Boutique investment banks are small firms that typically specialize in a specific industry or type of transaction. They may offer M&A advisory services or be focused on providing capital for growth or restructuring. Some boutiques also have practices dedicated to providing financial advice to family offices or ultra-high net worth individuals.

The Pros and Cons of Working For A Bank

There are a few things to think about when trying to decide if working for a bank is the right decision for you. On one hand, banks offer a lot of stability and security. They also tend to have good benefits and often give their employees bonuses. However, banks can also be extremely demanding places to work. The hours can be long, the work can be challenging, and the pressure to perform can be high. Before you make a decision, it's important to weigh both the pros and the cons of working for a bank.

The Pros:

• Stability: Banks are large institutions with a lot of resources. They are typically much more stable than smaller businesses, which means that your job is likely to be more secure.

• Benefits: Banks often offer excellent benefits packages to their employees, including health insurance, 401(k)s, and paid vacation days.

• Bonuses: Many banks offer their employees annual bonuses based on performance. This can be a great way to earn extra money and boost your income.

The Cons:

• Long Hours: Banks expect their employees to work hard. This can mean long hours, especially if you're working in a fast-paced environment like investment banking.

• High Pressure: The pressure to perform well is high at banks. There is always the possibility of being laid off if you don't meet expectations, so the stress level can be high.

What Investment Banks Look Good on a Resume?

There are a few key things that investment banks look for when they're reviewing resumes. They want to see that you have a strong academic background, preferably from a top school. They're also looking for evidence of leadership and teamwork experience, as well as any prior finance or accounting experience. If your resume can demonstrate all of these things, you'll be in good shape when applying to investment banks.

One of the best ways to stand out on your resume is to haveinternship experience at a top bank. This will show that you have the ability to do the work and that you're serious about pursuing a career in finance. If you don't have any internship experience, try to get involved with campus organizations related to finance or start your own student-run investing club. These experiences will help you develop the skills and knowledge that banks are looking for.

Rankings of Top 3 Banks and Explanations

The rankings of the top 3 banks are as follows:

1) Goldman Sachs

2) Morgan Stanley

3) JPMorgan Chase

These banks are at the top because they have a great reputation, offer good employee benefits, and have a strong financial footing.

Conclusion

With so many different investment banks out there, it can be tough to decide which one is right for you. But if you're looking for a bank that will offer you great career growth potential and the chance to work with some of the biggest names in the industry, then these three banks are definitely worth considering. So do your research, choose wisely, and best of luck in your future endeavors! I would say Fmi’s courses are designed for anyone who wants to work in the finance industry but has little or no background in Financial Markets. Fmi’s course is designed to give financial analysts the fundamental understanding they need to build their career and anyone working in investment banking, asset management, or insurance the tools they need to perform meaningful and practical company analysis.

Url - https://fmi.online/all-courses/investment-banking/

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wttcsms · 2 years ago

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PSYCH MAJOR DEFINITELY

that’s too funny, one of my closest friends is a psychology major + my sister’s bf is in med school & in the current process of becoming a psychiatrist. maybe they rubbed off on me 🤭

#im actually the EPITOME of a finance bro irl #that was a joke but i did follow the traditional finance bro route #the linkedin premium the networking the coffee chats #the internship w a bulge bracket bank 😭😭😭#shit made me need a psych evaluation 😭😭

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roman-writing · 4 years ago

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the spectres vain (2/2)

Fandom: The Haunting of Bly Manor

Pairing: Dani Clayton / Jamie / Viola Lloyd

Rating: M

Wordcount: 6,525

Summary: She had said before, ‘so many people mix up love and possession,’ and now years later she wondered if that was the reason why they had been given so much time. That maybe Viola thought this was love. That maybe she loved this. Loved her. Loved them.

Content advisory: spoilers, horror, and ghost smut

read it here on AO3 or read it below

“The night isn’t dark; the world is dark. Stay with me a little longer.”

-‘Departure’, Louise Gluck

"I really thought this would go away. But it just hasn't."

They were sitting in a cheap diner, their local favourite down the road. Jamie had already received her meal -- an omelette with a cup of coffee and a side of toast, all of which was going to be far too much for her to eat; she never would get used to the size of American meals -- but Dani had yet to receive her own. Jamie paused in the act of picking up her knife and fork. Dani's eyes were glued to her meal, like a starving man who had seen food for the first time in weeks.

"What would go away? Food?" Jamie asked. She slowly passed the knife and fork between her hands -- clink of chipped cutlery -- and began to eat.

"Yeah."

Dani tore her gaze away from Jamie's plate and instead focused on the salt and pepper shakers between them, bracketing the serviette dispenser like little guardsmen. She was sitting on her hands, as though that were the only thing keeping herself from snatching Jamie's food away for herself. She worried at her lower lip with her teeth.

"I mean, I've always liked food. But after -" She made a nodding motion with her head. "- anyway after, it was like I'd never tasted food before in my life. It was so strange. Everything tasted so sweet. I could hardly choke down a cup of apple juice. And a cheeseburger? I thought that I'd died the first time I bit into one. All that sauce."

Dani trailed off. She was frowning contemplatively at her scratched reflection in the chrome-plated dispenser.

Jamie shoved a mouthful of omelette into her mouth and spoke gracelessly around it. "Always thought American food was too sweet, myself. Maybe you got used to Owen's cooking over in England."

Dani gave her a look. "You know that's not why."

"Yeah, I know." Jamie finished chewing, already cutting up another piece and loading up the back of her fork with her knife. "I noticed the appetite change, of course."

"Mmm." Dani nodded. Her mouth was twisted to one side; she was chewing the inside of her cheek and sneaking glances at her wristwatch as though even the ten minute wait was too long for her to bear. "But it just -- it hasn't gone away. It's more bearable now. I still struggle with cake that's really sugary or has too much icing. But food is -- well, it's an experience. Every time."

Jamie made a noise in the back of her throat; her mouth was too full for even her to speak. She finished her bite, and then said, "Anything in particular you two have been craving?"

If anything, Dani seemed startled by the question. The thoughtful groove in her brow deepened, before she answered, "Tarte au citron. She used to love lemons. Anything sour. Not too sweet. Always a hint of bite."

Nodding slowly, Jamie said, "Yeah, all right. We can make do with that. And what about you? Do you like sour things?"

Dani's mouth opened to answer, but before she could say anything, the waitress came by and placed an enormous cheeseburger with all the trimmings in front of her -- bacon, extra cheese and gherkin, the whole lot. "Thank you so much."

The waitress had hardly taken two steps away before Dani descended upon her meal. The cheeseburger was in her hands and then in her mouth in a flash. She took a large bite, and juice dripped all down her fingers. As Dani chewed, she moaned softly, eyes shut in rapture. “God,” she mumbled. “That’s so good.”

Jamie lifted her eyebrows and coughed discreetly. “Blimey. Do you two need a room?”

Dani nodded and took another bite. Jamie laughed, and she could see the way Dani's mouth curled into a smile even as her cheeks bulged.

Later that week, Jamie was passing by a bakery on her way back to their florist's shop. She stopped and peered through the window. All of the baker's wares were on neat display, ranging from little fancies to proud cakes dusted with chocolate shavings.

And there, near the middle, a row of lemon tarts the size of her hand.

When she returned to the florist's shop, the bell attached to the door by a string announced her arrival, along with her accompanying bellow, "I'm back! I see you didn't burn the place down in my absence! Well done, love!"

It was a Saturday, and the sign turned to 'CLOSED' on the door bounced when she shut it. The sound of footsteps drummed down the stairs, and Dani's legs appeared as she descended the steps. "Oh, hey! How'd the bank go?"

"The usual." Jamie walked forward to the countertop with the cash register. "All their old farts with all their old money. And some money that isn't theirs either."

"Uh huh," Dani said. "And the loan?"

Jamie lifted one shoulder in a half shrug. "Sounded like they were impressed by the little talk you had with them last week about tenants and estate management.”

Dani’s face split into a wide smile. “Really? They’re going to give us the money to buy the shop instead of rent?”

“And the apartment, too,” Jamie said, and she couldn’t help it either. Her own grin broadened. “Anyway, I got you something."

She held out a plain brown wax-paper bag. Dani blinked, and took it.

"Oh, thanks, I was just thinking about -" Dani's voice slowed, then stopped. Her smile lessened slightly, when she opened the bag and saw what it contained. A perfect lemon tart with a dash of cream that had been only slightly smushed on Jamie's walk home. "Oh."

Without a word, Jamie pulled from her back pocket the plastic fork that had come with it. "Go on, then. Let's see how it compares to 16-whatever."

For a long moment Dani fiddled with the plastic fork. It were as though she were standing at the edge of a dock, readying herself for a plunge into icy waters. And then with a brave smile towards Jamie, she cut herself a piece and took a bite.

Jamie wondered what it must have been like. Dani's eyes were closed. She looked utterly transported.

"Good?"

Dani opened her eyes again and nodded. "So, so good."

"Yeah?" Jamie leaned her elbows upon the countertop, watching as Dani went in for another bite. "Better or worse than 16-who-even-cares?"

Dani hummed around the fork in her mouth. Pulling it free and chewing, she said, "Better. Way better."

"Why d'you think that is?"

"It's -" Dani went quiet for a moment as she continued to eat, mulling over every morsel. "It's smoother. Richer. Tarter. More depth of flavour."

"Is that the ingredients talking? Or the fact that you've been stuck in a lake without a body for five-hundred years?"

Dani went very still. After a pause she kept chewing. “A bit of both, I think.” She swallowed, then took a deep breath and looked Jamie dead in the eye. “It’s still me, you know. I’m still me.”

Jamie smiled at her. “I know, Poppins. I know.”

When Dani held out the next forkful to her, she let herself be fed. And indeed, she’d been right. Smooth. Rich. Tart. And a depth of flavour.

At some point -- she could not say exactly when -- Jamie began doing things explicitly thinking of not just what Dani might like, but what Viola might also like.

She read old books. She asked a friend of a friend who went to university to study textile history for any hints of seventeenth century culture. Anything at all so long as it was between the years of 1645 and 1680. (She knew the dates perfectly, but she wasn’t about to let Viola know that. Couldn’t have their evil aristocratic ghost getting all uppity on them, could they?)

She grew specialty plants. She bought specialty food. She gave her clothes and jewelry, little trinkets, only what she could afford. Dani loved them all.

And Viola -- well, Viola was a mystery.

"Did you know that our very own Viola may very well have met Oliver Cromwell?"

Beside her in bed, Dani shifted and the mattress springs creaked beneath her weight. "Are you doing research on my ghost?"

In answer Jamie pointed at the place in the book she was reading and said, "In the year 1658 the daughters of one Mister Willoughby, Viola and Perdita, visited Court, aged fifteen and ten respectively. There they paid their respects and stayed for a few months in a London residence, before returning to the family estate." Jamie set the book down on her legs. "Do you think she actually met him? No. They couldn't have. The Lloyds weren't that reputable, were they?"

"She did," Dani said in a hollow tone. She was staring into the middle distance again, her expression slack.

"Oh, yeah?" Jamie asked. "She want me to know that, does she?"

Still gazing off into space, Dani nodded.

Jamie gestured with the open book. "Noted." She tried to go back to reading, but her curiosity got the better of her. "Okay, what was he like? Good ol' Ironsides?"

"Cold." Dani's eyelids fluttered and she seemed to come to herself. She cleared her throat, but continued, "And he was so critical of her nice new clothes. But she had the last laugh in the end."

Jamie snickered. "Sounds about right."

“He died that same year. Right after they’d visited,” Dani said. “She thought his beheading later was very funny.”

Hearing that, Jamie’s eyes widened. "Holy shit. Wait. Was Viola a secret Catholic?"

Dani scowled darkly at her. The air of their bedroom seemed suddenly colder.

"Whoops. Personal question, then?" Jamie held her hands together in mock supplication and thickened her accent. "A thousand pardons, m'lud."

With a snort of laughter, Dani pushed Jamie's hands down, but paused to lean forward for a quick peck on the mouth.

Sometimes Jamie felt like she was stalking a dead woman. Constantly trying to figure out what Viola might like, what might entice her to stay. And then worrying that perhaps it meant Dani was losing a bit of herself everyday. Like a coin rubbed smooth over the years, until the minted face was indistinguishable. One replacing the other. Or perhaps more like losing the line that separated them. Until she could no longer tell where Dani ended and Viola began.

Yet in time Jamie learned she would do anything if it meant that Dani was here by her side. Every action. Every game pie. Every tight-armed hug. ‘Don’t go. Stay with me. Just for today. Just one more day.’

And every time, Dani caught her eye and smiled as though she had heard the unspoken words, as though they had rung about in the pull-down attic of their little apartment. And every time she would reach out to squeeze Jamie’s hand, and pull her into a reassuring kiss.

Americans, Jamie had learned since living here, were obsessed with Halloween. Personally, she didn’t see the appeal. Now, lighting up the effigy of a Catholic who had once attempted to blow up Parliament? That was more her cup of tea.

Still, when in Rome...And the few friends they had made along the way had invited her to a costume party in town. It would be churlish to decline. They needed more friends. Friends that weren’t linked to a shared trauma.

Besides, as it turned out her friend’s friend at university studying textile history was also an amateur seamstress, and had a few period-accurate pieces that fit without too much trouble. Just a bit nipped in at the waist and -- done. Jamie was set for a ball, or whatever the appropriate equivalent would’ve been called.

“Hey, Jamie, could you help me with this wig? It’s being a real pain in the -”

Dani emerged from their bathroom, half dressed in a Bride of Frankenstein white dress outfit, and froze. It was an hour or so before they were set to leave on the night, and Jamie was in their bedroom draped in a seventeenth century gown, seated on the mattress, a thorn-stripped rose in hand. Dani dropped the aforementioned wig to the ground and stared.

“Too much?” Jamie asked. She adjusted the puffy sleeves so that they sat lower on her arms, revealing more of her chest. “I don’t think it suits me, and I was going to go for a bloke’s outfit instead, but she insisted that -”

“No,” Dani breathed, shaking her head. “No, it’s perfect. You’re perfect.”

“Well, I knew that, obviously.” Jamie winked. Then she made a shooing gesture with the rose, rising from the bed and walking towards Dani. “Now, c’mon! Let’s get that zig-zag wig of yours on. We’re going to be late.”

Dani stepped to one side to block the exit. Her gaze was dark and fixed, unblinking, upon Jamie’s outfit. “I was wrong, actually. What I said just now.”

“What? About me being perfect?” Jamie joked.

“No, not that. It’s just -” Dani reached out with a tentative hand and her fingers were trembling. She thumbed an edge of the dress at Jamie’s sleeve, testing the rose-coloured silk there. “It’s the wrong colour. You should be in green. Laurel as a crown.”

“Thanks?” Jamie said uncertainly.

Dani stepped closer. With her application of make-up and her pale flowing dress, she seemed more like a ghost than ever. Her hands were on Jamie’s upper arms now, stroking the fabric, following the line of the stomacher’s seams until they rested at Jamie’s narrowed waist.

Dani swallowed, and her voice sounded strained when she asked, “Are you wearing a pair of bodies?”

Jamie huffed with nervous laughter. “Am I wearing a -? What?”

As if coming to herself, Dani blinked and shook her head quickly. “I mean - uh - stays. Uh - What’s the name now? - a corset. Are you wearing a corset?”

“Yeah. And all the petticoats and frills.” Jamie straightened theatrically and tried to stretch her shoulders. “Bloody uncomfortable, too. I tell you what.”

Any attempt to break Dani out of this spell with humour seemed futile, however. She was tracing the metallic gold thread of Jamie’s stomacher with greedy fingertips. “What exquisite passementerie.”

“Yeah,” Jamie said haltingly. She was being guided back towards the bed, their steps slow. “The girl I borrowed this from is into the real deal. Wanted to make it as authentic as possible. I’m guessing she passed with flying colours?”

Wordlessly, Dani nodded. Her tongue darted out to wet her lower lip, her mouth painted a bold and bloody red. Her hands curled into fists, bunching up the skirts at Jamie’s hips as though she wanted to tear the cloth from her, only for her touch to slacken, and her palms to smooth down that same fabric like a caress.

Dani continued walking them towards the bed. “I don’t know exactly what’s happening right now, but I really really want you.”

Whatever reaction Jamie had been expecting, it hadn’t been this. Dani hadn’t blinked for what seemed like an age, and she held herself rigidly, every movement twitchy, as though she couldn’t quite remember how to control her muscles properly.

“Can I -?” Dani started to ask, fingers already slipping towards the laces at Jamie’s front.

Jamie lifted the rose between them and used it to bop Dani gently on the forehead. “‘Course you can, Poppins. So long as it’s still you in there.”

Dani blinked furiously and her head jerked back. Then she laughed softly. “Yeah. I’m - I’m here, too.”

Jamie’s mouth curled in a smirk. “All right, then.” She tossed the rose onto the ground, and reached to the laces that held the gown in place. “Help me out of this thing.”

“No.” Dani grabbed her wrists and held them firmly in place. She shut her eyes for a quick moment, shaking her head back and forth. “Not yet.”

“I thought you said -?”

“I know. And I do. Just -- slowly.”

Jamie stared, searching Dani's face for some hint of her there, but her eyes were still tightly shut, and her fingers were pressed coldly around Jamie's wrists.

"All right," Jamie said. "What do you want me to do?"

Dani's eyes opened then, and her gaze was piercing as a shot in the night. She let go of Jamie, stroking her wrists in silent apology, then said, "Be still."

Jamie lowered her arms, then tried her best to not move at all. A long silent moment stretched between them like a bolt of cloth flaring across a table for measuring. The muscles of Dani's face leapt, then settled, and it were as though the nervous energy ran right out of her to pool at their feet. She straightened to impeccable posture, and her expression was nothing but hunger.

It came as a shock, when Dani first tugged at the strings at Jamie's chest. Clever fingers, accustomed to such garments, worked the laces loose, criss by cross. When the gown had slackened just enough that it began to part from the under layers, she stopped. She brought her hands around, and dipped her fingers along the gap created between silk and cotton, running a line between them all the way from one of Jamie's shoulders, across her chest, to her opposite arm.

When her fingertips trailed across Jamie's collarbone to rest against her sternum, it felt like there was another set dragging along after them. Twin touches mirroring every movement of the other, until suddenly they weren’t. Dani leaned forward, and though her hand remained at the hollow of Jamie’s throat, Jamie could feel an icy caress continue to graze her warm skin.

Then Dani was kissing her neck. Jamie tilted her head to one side, only for some other presence to nudge it back upright. She nearly jumped out of her skin when she felt a second pair of lips against her throat. She swallowed, neck craned back, and teeth scraped against the sensitive skin there, harder than Dani would have ever bitten, hard enough to make her jolt. From the corner of her vision she swore she could almost see another figure shrouded in white, but when her eyes darted in that direction, there was nothing.

When Dani felt a hand reach around her throat, she stiffened. "No," she said. "Not around my neck."

Immediately Dani went very still against her, and the hand withdrew. "Sorry. Better?"

Jamie nodded mutely, but could not bring herself to relax. Not when those pairs of hands had moved to part the robe gown from her front. The ruffled bunch of rose-coloured silk dropped to the mattress just behind her in a rustle. Dani was kissing her mouth now, a long deep drawn out kiss, cupping Jamie's cheeks between both hands, but something was still expertly reaching beneath a layer and untying the ribbons that held the padded pillow around her waist under the over skirt, until that, too, was dropped to the floor.

That phantom touch roved, then began to trace the intricate patterns of the stomacher again. There was more strength behind the caress now. As though, the person responsible were gaining confidence, or perhaps becoming more grounded in reality. The warm lamplight on the bedside table behind them cast too many shadows, and over Dani's shoulder Jamie could clearly see the silhouette of three people instead of two.

Those hands pressed against the seams of the stomacher, and Jamie broke off the kiss to gasp, "Careful. There are pins holding that in place."

"I know," Dani murmured against the side of her mouth. The hands passed right over the pins, leaving them in place. "I don't want it off."

"And miss out on all the fun?"

There was a certain steely coldness about Dani's answering smile. "Who said anything about that? Now,” she pressed gently at Jamie’s sternum. “Lie down.”

Jamie dropped onto the mattress, which bounced slightly beneath her weight. She made to shuffle up towards the headboard, but stopped when Dani sank to her knees before her. And yet, there was a dip in the mattress on either side of her. The blankets bunched up at four points as though beneath another weight. Jamie held her breath and let herself lie completely flat with her legs hanging over the side of the bed. The air above her was thick and cold and almost solid. It felt like lying at the bottom of a lake and staring up at the watery surface overhead.

She could feel Dani pushing up the over skirt and petticoat and whatever other layers there were. Jamie had been told the names of each one at the time, but hadn't paid much attention then. Now, she wished she had. Now, Dani was running her hands along each one in turn, slowly sliding them up to Jamie's hips.

Something tugged at one of the black ribbon garters just above Jamie's knees, which kept those long white stockings in place. Then Dani was sliding the left stocking down her leg, pausing to press a kiss to each patch of bare exposed skin. She shivered. As Dani removed the first stocking and moved to the second, Jamie felt a kiss at her neck again. The suddenness of it made her twitch. She reached out, but her hands passed right through the air above her. A pair of hands gripped her wrists and pinned them down to the bed.

Jamie made a noise in the back of her throat. Dani paused, and the grip around Jamie's wrists slackened just fractionally until it became clear that she wasn't fighting back.

Once the final stocking was removed, Dani pressed an open-mouthed kiss to Jamie's inner thigh. Jamie squirmed. Though Dani’s head was only barely visible between her legs, Jamie could not escape the feeling of someone staring intently at her. Dani’s mouth worked its way up and up and -- Jamie hissed, shutting her eyes and clenching her teeth. While the rest of her was cold, Dani’s tongue was a length of heat, licking long warm stripes and small circles.

With a moan Jamie’s hands jerked, instinctively going to grab Dani’s head, but she was held back, tethered down by an invisible ghost that lingered over her like a dream. There came the sensation of something drawing closer, a draught of cold air that drifted across her face, and Jamie’s eyes flew open.

If she focused, she could almost see the monochromatic shape. Dark locks of hair dripped down past her head and puddled on the surrounding bedsheets. Viola was crouched over her in all her former glory. Sparkle of light glinting against the pearls at her throat. A rich cool and satisfied smile. Dark weathers for eyes. The cat that had caught the canary in its claws. She leaned down and kissed Jamie, and her mouth was full and soft, and thin and hard all at once, demanding, unrelenting.

Viola pulled away. She lifted one satin-gloved hand and stroked Jamie’s cheek. “Such a pretty thing.”

Her voice was a hoarse echo across space and time. Dani slipped two fingers into her, and Jamie had to bite back a whimper, her eyes squeezing shut.

“Look at me.”

With a hitched breath as Dani’s tongue worked against her, Jamie struggled to open her eyes, to keep her hips still.

“That’s it, darling,” Viola smiled, and her face began to melt, like a painting that dripped with wax. “Come for me.”

Jamie’s back arched, her head turning against the sheets. She came with a whine that escaped in spite of herself, and it seemed to go on for ages, until she trembled and jerked her hips away. Layers of cotton and silk stuck to her skin with a thin sheen of sweat. Hastily Dani clambered up to take Viola’s place, hands on Jamie’s wrists, crouched over her, her mouth a smear of bold red lipstick, staring intently down, as though trying to memorise every last etch of her face. She swayed closer for a moment to brush her lips against Jamie’s, just softly.

“You all right?” Dani asked, sounding breathless.

Jamie nodded. “Yeah. Good. Great, even.”

“Yeah?”

In answer, Jamie reached up and crushed their mouths together in a bruising kiss. Dani groaned, pressing down against her, then gasped her name.

Hands on her hips, Jamie urged her further up until Dani’s knees bracketed either side of her head. She pushed up the sheer white fabric of the costume around Dani’s thighs. Above her, Dani gripped the frame of their headboard, knuckles white, already panting.

Jamie shouldn’t have been so greedy. She should have taken her time. She should have made Dani writhe, holding her on that ledge for as long as she could until Dani finally broke. But Dani was so wet, her thighs were taught and trembling, and she was grinding down against Jamie’s mouth. Jamie could feel her chin and neck grow slick. She held onto the backs of Dani’s legs and urged her on, coaxing with every roll and swipe of her tongue until she came with a cry.

One of Dani’s hands was tangled in Jamie’s hair. The other was still gripping the headboard tight. She was resting her sweat-stippled forehead against her own arm. When Jamie scraped her teeth lightly against her damp inner thigh, Dani shuddered.

"Are you all right?"

“I need a moment,” Dani said, her chest heaving. “I want to go again, but - Just - Give me just a moment -”

Wiping at her face, Jamie helped Dani back down to lie beside her. “I’ve got you. Don’t worry.” She kissed her temple while Dani gasped for breath into her shoulder. “I’ve got you.”

She had said before, ‘so many people mix up love and possession,’ and now years later Jamie wondered if that was the reason why they had been given so much time. That maybe Viola thought this was love. That maybe she loved this. Loved her. Love them. Or at least the idea of them. In some twisted way. All that cold rage and loneliness clinging to whatever scraps it could find, winding around its prey like a snake slowly throttling the life out of its victim without even realising it.

But maybe Viola wasn't squeezing so hard after all. Maybe she couldn't. Maybe Dani hadn't died yet because Viola was trapped, because she could never again return to the lake at Bly. Maybe Viola wasn't possessing her at all. And if she wasn’t possessing her, then - well.

Even that was too good to be true. The best outcome by far given the circumstances. And really, deep down, Jamie knew that loving Danielle Clayton meant loving her enough to one day let her go.

They didn’t make it to the Halloween party. Eventually, Dani tired herself out, riding Jamie’s fingers for a third time before collapsing atop her and panting for breath as she seemed to come fully back to herself. Jamie was barely able to convince Dani to join her for a shower before she fell asleep, all a-tangle in Jamie’s arms.

The bedside lamp was still lit. Jamie carded her hands through Dani’s long damp and honeyed hair. From the light, the shadow of a woman standing at the foot of their bed was thrown in sharp relief against the opposite wall. Staring at the space where Viola stood, Jamie gently kissed the top of Dani’s head.

Not for the first time in her life she found herself hoping beyond hope that someone could be haunted forever.

One day she brought back a tin full of loose-leaf tea. It was intended for nobody but herself. A full and earthy black. Not the bog her father would've drunk before descending into the ground, but similar in colour to his lungs perhaps. Jamie pulled it out along with the rest of her shopping, and started to put everything away but the tin. And while she did so, she put on the kettle to boil.

The sound of the kettle whirring away on the stove drew Dani from another room, like a siren's song. She was dressed in an old pink shirt tucked into high-waisted, acid-washed jeans. Her hair was still wet from a recent shower. "Need some help?"

"Sure." Jamie handed over the last bag for unpacking. "Take care of that for me while I handle the kettle, will you?"

Without a word, Dani did as asked. She was the taller of the two, and didn't have to reach up onto her toes to put away things on the high shelves. And Jamie was too proud to admit she needed a stepping stool, herself. Why bother? That's what Dani was for. Among other things.

When Jamie opened the cupboard, she asked, "Don't suppose you want some as well? Might not be your cup of tea, so to speak."

"I'll have one. Thanks."

So, Jamie pulled out two mugs. The kettle hissed. She poured a bit of water into each cup to warm them, then spooned the appropriate amount of tea leaves into the pot. While waiting for the tea to steep, Jamie turned round and lifted herself onto the kitchen bench. There, she drummed her sock-clad heels against the cupboard and reached over to the jar that held an assortment of biscuits. Chocolate-drizzled digestives for herself, and ginger biscuits for Dani, who had the unfortunate American affection for cinnamon and ginger and cloves. Jamie couldn't stand ginger, herself. Tasted too medicinal.

Sticking a digestive biscuit into her mouth, Jamie wordlessly held out the jar. Dani was just finishing putting away the shopping bags, and wandered over. Her hand slipped into the glass opening and she fished out two ginger biscuits for herself. Jamie set the jar aside, and meanwhile Dani insinuated herself between Jamie's legs so that she stood snugly against her.

"Long day?" Dani asked.

"Mmm," Jamie mumbled around a mouthful of biscuit. She finished chewing. "Not too bad of a Sunday, to be honest. What about you?"

"I went for a walk in the park," Dani said, looking mischievous as she nibbled on the first biscuit.

"On a Sunday? The scandal," Jamie tsked, tapping her tongue against the backs of her teeth. "What would dear old Viola think about that?"

In reply, Dani arched her brows and smirked, "I think that was the appeal, actually. Plus, we're in the full swing of Fall now, and we won't have many sunny days soon. I wanted to take full advantage while I still had the chance."

"Buy anything while you were out?"

"A scarf for you," Dani answered. "And a pair of gloves for me."

She had a habit of buying articles of clothing out of the blue. Whenever the fancy seemed to strike her. Today was obviously one such a day.

"How very thoughtful."

"It's green. You look good in green," said Dani. "It brings out your eyes."

"I look good in anything," Jamie insisted. "And nothing."

Dani grinned. "That's true, too."

She stepped back and wandered over to the fridge for milk, when Jamie reached around to pour them each a cup of tea.

"Thanks, love," Jamie said, pouring them each a dollop of milk before handing the jug back to Dani, who put it away in the fridge once more.

Their fingers brushed when Jamie handed over the cup of tea. As ever these days, Dani's hands were cold. They eagerly wrapped themselves around the hot cup, and she pulled the tea close to her chest.

Jamie did the same. It was after all, as Dani had said, the throes of Fall; the weather was taking a turn to the icy. And that first sip of tea was pure heaven. It warmed her all the way down her throat and settled in her stomach. Jamie hummed at the sensation and closed her eyes. She could hear Dani do the same beside her.

"I wish I could take this moment," she heard Dani say in a soft murmur, "and press it into a big book for safekeeping. So, I could come back and look at it whenever I felt sad."

“Aye,” Jamie breathed. Then she opened her eyes, and said, “Though maybe only with another biscuit in hand.”

With a snort of laughter, Dani dragged the biscuit jar closer so they could each indulge again. Jamie took one. Again, Dani took two.

“There. Now, that -” Jamie gestured with her cup of tea, speaking around a full mouth, “- is a perfect moment.”

“I could not agree more.” Dani had already finished one biscuit and was busily dunking her second into her tea.

Jamie watched her finish the biscuit before nudging Dani softly with her elbow. “You’re normally more of a coffee drinker. I could’ve brewed a different brew, if you’d wanted.”

“Yeah. But - I dunno. Somehow,” Dani paused to take a sip. She smiled warmly around the brim of the cup. “This tastes like home.”

Polaroids were getting cheaper and more compact these days. She didn’t have to go cramming them into oversized pockets anymore. Jamie had thrown out countless photos over time, never quite satisfied with the outcomes but always searching for some way to keep a hold of her. The day she bought a new camera -- her old one had died the death of kings; a swimming accident, and cameras as it turned out did not swim very well -- she immediately wanted to try it upon returning home.

Dani had just gotten a new haircut. The barber had done something to her fringe to make it look like the sweep of a wing, and she was constantly brushing it out of her eyes. She did so when she looked up as Jamie entered the living room, greeting her with a curious smile.

Brown paper bag under one arm, Jamie took a moment to remove her jacket and sling it across the coat hanger, but she left the green scarf wound around her neck like a python. “I got a new toy,” she announced.

Dani tilted her head to one side. “I told you I’d buy you that nice pair of secateurs for Christmas.”

“And you still can.”

Immediately, Dani’s eyebrows rose and she seemed intrigued. “Then what kind of toy?”

Pretending to look scandalised, Jamie reached into the bag. “How naughty! Not that kind of toy.”

Dani’s cheeks tinged pink. “Oh,” she said. She sounded disappointed.

With a smirk, Jamie strode forward and pulled out the new camera. She chucked the now empty paper bag onto the kitchen countertop, and gestured for Dani to stand beside her. Shaking her head, Dani nonetheless complied.

Jamie grabbed a hold of Dani’s shoulders and kissed her on the cheek, before she lifted the camera up as high as her arm would allow. A press of her finger. A flash of light. A click and whir of cogs and internal mechanisms.

Dani didn’t flinch this time or duck her head. She returned the kiss, then wandered away, humming to herself, without waiting to see the film develop. Jamie watched her go with a warm grin and an appreciative glance. When she looked down at the photo it was to find herself beaming from the square strip of film, and beside her Dani smiling tentatively, grasping Jamie’s opposite shoulder. Both of them were clear and their characters easily distinguishable. She felt herself relax a little.

Then as the white veil continued to lift from the surface, she went very still. On each of their shoulders rested a pale hand, and in the space between them a shadow in the shape of a woman with hair as long and black as the night. The face was a mask worn of all features, but she swore she could see a pair of dark eyes watching her from the film, and a canny smile haunted the unmistakable likeness of the Lady Lloyd of Bly.

Wrenching her eyes up, Jamie stared after Dani, who had wandered into their kitchen and was humming over the kettle. Slowly the water began to build to a boil. The kettle began to hiss. Then to shrilly whine.

Dani removed the kettle from the heat and poured boiling water into the brown betty teapot. "How'd the picture turn out this time?"

Briefly, Jamie considered throwing this one away like all the others, but it were as though a hand was still squeezing her shoulder tight. Not enough to hurt. Just enough to be known and most of all obeyed. Clearing her throat, she took a few hesitant steps forward then held out the square strip of film.

Dani set the kettle back down, and took the picture. She turned it round for a better look. There followed a sharp inhalation, like tearing in one last breath before the plunge. Her eyes widened and then, a slow smile crossed her face. She gasped out an incredulous laugh.

"Y’know, I - I thought this was going to be terrible, but -" Dani stroked her fingers over the image. "It really isn't half bad. You look - I mean. We look -"

Suddenly she snatched her hand away from the picture, clenching her unruly fist and lowering it. Her breaths were shaky but when she glanced up, her eyes were bright. She held up the photo. "Can we keep this one?"

Jamie nodded and shrugged at the same time. “Sure.”

Relief suffused Dani’s face. She did not tuck the photo away in some little corner of the apartment, something to be passed by without a second glance. No. Instead, she turned and began pulling magnets from the fridge. She cleared their normally busy little refrigerator, pushing everything aside to make space. And right there at the very centre of the blank white canvas she pinned the photo into place with a single plain black magnet.

“There,” Dani breathed softly. Her trembling fingertips lingered against the white-edged film. “That looks right. That - It feels just right. Right there.”

The hand at Jamie’s shoulder withdrew, but then there was the feeling of something drifting from the top of her head to the nape of her neck. As though someone were trying to tame the wild curls there with a gentle, approving touch.

“Dani,” Jamie croaked, her voice cracking.

“Hmm?” Dani turned around.

Striding forward, Jamie stopped only when she was close enough that she could peer deeply into Dani’s eyes. They were as they always had been. Variegated as an infected holly.

“Are you -?” Jamie had to swallow down the burr in her throat. “Are you feeling yourself?”

Dani’s answering smile was puzzled. “Yeah,” she said, her words slow and thoughtful, as though considering something inward very closely. “Yeah, I am.”

And she reached up to card her fingers through Jamie’s untamed hair. “You know, it’s strange, really.” Dani’s hand followed the same path as the one had before, coming to rest at the nape of Jamie’s neck, a cool solid comforting weight. She stroked her thumb, and the motion was repeated by one that was colder, like an echo, before the two hands came together at last. “Somehow, I feel more myself than ever.”

#thobm #the haunting of bly manor #dani/jamie #dani/jamie/viola #dani clayton #viola lloyd #roman writes #ANYWAY here's the ghost sex don't @me

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naomixhill · 4 years ago

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“Aren’t you the one who got expelled from DeSales?” These were the first words that you said to me as you approached me at David’s bonfire in 2011. We were seventeen years old. A group of us came here after a Friday night football game. There were a handful of neighborhoods in our village, perhaps five important ones, but the one we were in that night was the best – the one where sophistication meets elegance meets English-inspired architecture. There was a twenty-seven Jack Nicklaus golf course in front of David’s home. Inside the house was a grand reception room, medium sized ballroom, martini parlor, two dueling libraries, a small art gallery, and a wine cellar. Throughout the home, opulence of the tenth degree: marble floors and 18’ high ceilings and two servants. Just beyond where I was sitting, there was a heated pool, veranda, and small tennis court. Jews get everything. This whole village was Jews, new money snobs, and plastic surgery. But I never minded.

You repeated the question, “Hellooooo, Naomi, right?” I looked up at you with red, glossy eyes. I was stoned, and David’s two servants had been serving Cabernet since we got there. I smirked, raised my head at you, and said, “Who’s asking?” You extended your hand and introduced yourself with the charismatic, all consuming smile that I would one day become familiar. I did not return the warm reception; I had a magical sadness about me that year that began with the death of my rapist and ended with my name being the topic of more than one scandal. I hardly remember much of the year at all, but I remember meeting you there that night. In That Place.

You acted like you were meeting a celebrity. You mentioned a few of the rumors that spread around DeSales about me, most of which were incredibly true, and I told you that night, “It doesn’t matter what people say about you unless you believe it.” You told me that you had just transferred to the village school and that you were incredibly lucky: You lived in a modest home on the edge of town that had not been seized by Wexner for further construction of his brick empire. I was completely awestricken by you. You were so bold, so empowered to speak truth, so nonchalant in the way you spoke, and had this magnetic flowerchild persona. If it hadn’t been for you that night, I would have drank alone at the firepit of David’s home. It was true that I was still frequently invited to events that year and next, but I was never really one of these people and I always remained on the outskirts of parties and social gatherings. When the night ended, I told you not to talk to me again. You needed a fighting chance to assimilate in this odd, wealthy village school that was more reminiscent of an episode of Gossip Girl than a place in Ohio. You were never going to get that if you associated with me.

We reconnected in February 2014. It was a historically brutal winter in Ohio, frequently closing down the university, and I was frailer at 106 lbs, more contemplative, and battling an autoimmune disorder that was so severe that I was sure it would have killed me. Looking back on it now, there is no doubt in my mind that your antithesis to everything that I was saved me. From the moment we reconnected, there was rarely a moment that we were apart. Every morning, you held back my hair as I spent the morning vomiting into a dormitory toilet. When I would try to crawl back into bed, you would force me into a warm bath, lay out clothes for me, and often blow-dry my hair when I was too weak to do so myself. Without fail, and for the entire semester, you would walk me to the cafeteria, watch me eat breakfast, and we would undoubtedly end up back on the bathroom floor for several more hours. But you’d still make sure that I attended my afternoon classes, even if that meant sitting on the business halls’ floors in effort to see that I didn’t leave. You were the only person who knew how bad my health had gotten that year.

Because to everyone else, I was confident and had accomplished in my studies precisely what I had in my social circle of business students—complete mastery, complete command. I was fastidious, wearing almost exclusively Brooks Brothers button downs that tucked into dark colored slacks or designer jeans, and carried myself with an air of superiority that few ever questioned. In school and in the finance society, I was the best. I maintained a portfolio of investments that had achieved a 56% return that year, and when I shared my opinion on what our club should be investing in, I was rarely wrong. It awed some, and frustrated many male egos that couldn’t understand it. I was an excellent financial analyst to be, interviewing at several bulge bracket investment banks in New York and Chicago that year. And when anyone questioned me or alluded that I couldn’t possibly being doing as well as I was, I would raise my prominent nose nostrils at them and say nothing at all.

I didn’t dress, walk, talk, or play like other college students did. I was incredibly aloof and malicious, whereas you were a never-ending ray of sunshine. You were bohemian and buoyant and wise all wrapped into a blonde package of beauty. My persona was much more overpowering and chilling. Yet, you liked me, and you held my secret, and no one ever questioned why you—the special education major—were in the business hall at 2 pm, 4 pm, 8 pm, and 10 pm everyday. In fact, most of my companions that year really preferred you to me and it was often a relief to have you there as a shield.

In the summer of 2015, we moved into an off campus apartment in what would be considered the Chinatown of Columbus, Ohio. With my full-time job in financial services and lucrative investments from the prior year, I had tried to convince you to live downtown in a high-rise apartment, but you wouldn’t have it. You always wanted to pay your own way, and Chinatown was what you could afford. So we lived there with Ethan Allen furniture, your bohemian nonsensical decorations, including a plethora of crystals, bags of cannabis, and music posters. By the end of the summer, I was showing signs of recovery, though the months of medical bills had put me in a tougher spot financially than before. I was still able to casually pay our rent and fixed expenses, afford food, and pay my own tuition without much concern. Though it was in September that everything changed.

You worked at a Bob Evan’s right behind the university that summer to save for college, but you had racked up $17,000 on a credit card that was accruing monthly interest. You wanted to save, but you were forced to pay that down and there was never an expense that you met that you didn’t like. It has always been who you are: you spend too much on others, too much on holiday decorations, too much on latest clothing styles, too much online, too much on fast food, just too much. So even though you worked your sixty hours a week until that political bill made everyone like you work thirty-seven and a half hours and not a moment more, you couldn’t make tuition. And I couldn’t help you.

I remember one night we were in Cincinnati for a Cal Scruby concert when the idea came to me. I said, “There are a lot of girls in Pi Phi that I know that use this escort site to make fast cash, and you are much prettier and have a much better personality.” So while we waited for the concert to begin, we turned the Marriott hotel room into a glamorous studio for photos, and wrote you a descriptive, alluring profile on that website. Looking back on this now, I am not sure what I was thinking except that it seemed like a perfectly sensible thing to do, and everyone else was doing it. An older, established Cleveland man solicited you within the hour. You planned to meet him later that week. A thousand dollars just like that.

But that fateful morning, you confessed that you couldn’t do it. And I knew then that if you didn’t return to school that semester, you might never. And I thought about your credit card debt, your newly broken down car, and your ambitions slipping away from you. And I couldn’t let you, the brilliant bohemian with so much to offer to the world, possibly lose it all that easily. So I knew what this all meant for me, but the way I saw it, and still see it, is that it was the least I could do for the person who likely saved my life. So I became you: I went to a hair salon that day and dyed my harsh, almost black hair, to bleach blonde; I bought extensions; I bought baby blue eye contacts; I used makeup to manipulate a small mole on my cheek; I contoured my face, used drugstore eyelashes, and it was convincing enough. That night, I wore a pink kimono with ripped jeans and pale high heels. I wasn’t nearly as tall as you, but I hoped our Cleveland man wouldn’t notice. And he didn’t. And that was that.

These visits continued twelve times, and we never spoke about them. It was our next big secret, and one I never planned to mention them to a soul. Your fall tuition was paid and I was relatively healthy, and we had our oasis in Chinatown. Everything was finally alright, it seemed, until December.

There was only one problem: That Piece of Shit Heroin Addict. Back in the summer before the school year began, you had met Josiah. Perhaps it was my jealously of losing part of you, but I never took to him. You could have had any of my friends majoring in finance – we both know that they all loved you, and could have given you the life you wanted – but you chose him. I am certain that your biggest flaw has always been loving flawed people and thinking that you could positively influence the outcome of their lives’ through love and belief alone. Josiah was everything that I loathed about a person: he was uncouth to a fault, sported a horribly unkempt appearance with long, blonde, greasy and tangled hair, had terribly patchy facial hair, had lightly yellowed teeth from years of smoking and drug abuse. Best of all, he drove a sports car. His family was from the neighboring county, and in Ohio, if you don’t live in the capital county, you might as well live in the middle of a fucking farm wasteland infested with heroin, blue-collar jobs, and Mountain Dew.

I tolerated this boy in the summer because you loved him. But it worried me when you would come home at 3 a.m. with him and his cronies, and they would all end up sprawled out on the floor of our apartment. These people were not good enough for you, and they brought you down with them. I would have done anything to better myself that year—I associated myself with the most elite people our university could offer, all of whom today ended up becoming prominent investment bankers and private equity directors, some traveling internationally, some making over half a million dollars annually – but you always found yourself attracted to the bottom.

He manipulated you. He told you lies about me, and made you think differently about me. He fed you drugs. He sedated your sunshine and stole your youth. And then in December, he convinced you that I was nothing more than a haughty, arrogant, self-serving person, which perhaps was right to some degree, but never with you, and that you needed to leave. So one night in December, when I was traveling, you stole everything out of our apartment – right down to the kitchen table and bath curtains – and left me to come home to nothing. You never returned my calls or texts, and it was more than a year before I ever got an explanation.

You went from my fascination to my friend to my caregiver to my roommate and best friend to my deepest regret.

In fact, for the next six years, you tried to contact me sporadically, pleading for forgiveness, but there was nothing that I could offer you. At times, you would comment on my life events that you could see through social media. You told me how happy I looked in my wedding photos, but little did you know for those four years that I was getting beaten, evens sometimes being held at gunpoint, literally; you told me how successful I had become from my work, but little did you know that I was facing more than one harassment suit; you would tell me you were happy that my life had become so wonderful, but you had no idea that at the very time you sent that, that I was sitting in a hospital waiting to be radiated for cervix cancer. And through all of it, I thought of you frequently, sometimes spitefully, sometimes with more regret than a person can carry, sometimes with fondness.

But I never returned any of your correspondence until last week. And now, here we are at a Panera in a rundown suburb, and I am staring right at you. The passage of time has not been your friend: you wear bold framed glasses that remind me of Buddy Holly. Pregnancy has turned your beautiful blonde hair into an ashy brown shade and your long, cascading curls have been cut into curly short strands. You have gained perhaps thirty or forty pounds, hidden under a large, flowing hippy blouse – so that has remained, your style.

When I approach you, you throw your arms around me for what feels like an eternity. I had planned to dig into you; I had wanted you to feel the internal war that has been raging inside of me since your departure. But I can’t do it. As you pull away from our embrace, you try to speak but your lower lip trembles. Your eyes are red and strained and you weep as you grab for my hand. People around us begin to stare, but my sole focus is on you. I suppose it always has been. You begin a long soliloquy of apology, that at times is so incoherent and sincere, I can only help but think that this has eaten away at you for as long as it has me. So I don’t chide you for abandoning me, I simply smile and say, “I Forgive You.”

As we catch up, it seems our friendship is a marker in time for you much like it is for me. There was before you, you, and after you. Your “after you” is dark – things have been much harder for you for the past six years than they have for me. One unplanned pregnancy, another planned pregnancy, multiple lost jobs, government assistance, an alcoholic partner, and death threats galore. It is hard to imagine the young bohemian that I once knew has achieved such a disappointing life. You never finished college and you work as a PSA in a hospital. You mentioned repeatedly how tired you are, and I see you: it’s a spiritual exhaustion that knows no bounds. It is the type of exhaustion that one can only feel when they have done nothing that they set out to do in life. I am familiar.

I often take your hand in mine. We talk until the Panera closes, and then promise to meet again soon.

#b #memories #best friend

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