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“Don’t turn around,” says the hoarse voice behind him.

“Who are you?” quavers Gordon, in his darkened office. “How did you–”

“You’re a good loan officer. Maybe the only good loan officer in the city. How do you survive in this business, not being on the take?”

“I’m no rat,” says Gordon firmly. “They all know it.”

Papers flip onto his desk. “There’s an application in there. A solid one. Take it to your boss tomorrow.”

“And then what?”

“Watch for my sign.”

“But how do I know you’re a worthwhile credit ri–” says Gordon, but Bat-Homebuyer is already gone.