AMATEUR XXX STORIES

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ALPHABETICAL SEX STORY LISTINGS:

A - B - C - D - E - F - G - H - I - J - K - L - M - N - O - P - Q - R - S - T - U - V - W - X - Y - Z

CINDY4 camera whirring said Because its

The following is a work of fiction regarding sexual relationships. If you

feel that it is illegal, immoral, or otherwise improper for you to read

this, then *Don't Read It.*

* * *

*Cynthia Martin*

*Copyright (c) By Morgan, 1991, 2001*

Please note the original copyright date. This story was basically

written ten years ago. As a result, you will likely find obsolete

references. I'm afraid you'll just have to live with it; it's too tedious

trying to keep up with the latest and greatest.

This book is part of the Ali Clifford saga and is a sequel to -- and

much longer than -- _Call Girls._ If you haven't read it, I urge you to do

so. Without having read it, the actions in the first few pages will not

make any sense.

Incidentally, you will find occasional entries, _word_. The reason for

this is that MS Word's Auto Format function puts a word preceded and

followed by an underscore in italics; that's my intent. Similarly, *word*

results in the word appearing in bold face. If you use Word's Auto Format,

it will take care of things; if you don't, you at least know why it's

there.

More of my works are posted on my site <www.asstr.org/~Morgan> If you

like it -- or if you don't -- please let me know at <morg105829@aol.com.>

My books are now also being posted on <www.storiesonline.net> although at

this writing there are fewer of them than on my site.

* * *

*Chapter 26*

The first thing Cindy noticed when she drove on to the property of

Chicago Steel Company were the other two red Mazdas. She had talked with

Dan Burke and he agreed to meet her at the plant. Checking her watch, she

found she was fifteen minutes early. After parking her car, she walked

over to watch a workman signaling a crane operator who was moving scrap.

She stood aside and watched in fascination as very small hand movements

from the flagman were translated instantly into very small motions of the

giant track-mounted gantry crane.

The flagman gave a shutdown signal to the crane operator and started

walking toward Cindy. While still about ten yards away, the hard hat was

lifted off and beautiful auburn hair came spilling out. _My God!_ she

thought. _It's Kelly._ The girl grinned as she walked over and wiped her

face with her sleeve, spreading a big black smudge on her cheek. Cindy

just stood there shaking her head with a wry grin on her face. "Don't you

think this is taking customer service a bit far?" she asked.

Kelly grinned and said, "I just wanted to see what's under the top layer

of junk. Want to join me?" She flipped Cindy a hard hat and put hers on

again.

They made their way through a narrow path the gantry had cleared and

reached the center of the pile. Kelly whistled softly as she saw what had

been uncovered. The girl pointed out what were obviously parts for steam

locomotives commenting they had to have been put there no later than the

1940's and likely much earlier than that. As they made their way out of

the scrap pile and headed towards the office shed, Kelly told her that the

electric mill was operating on the north end of the property and the

company was currently only handling scrap sales. Arrangements had been

concluded to put in a small electric furnace and test the suitability of

the reworked steel for further processing.

The diversified corporation that owned Chicago Steel was favorably

disposed towards a management buy-out of the facility. Although nominally

quite valuable because of its lakefront location, as a practical matter the

facility had been written down to a value of zero on the balance sheet.

Moreover, there were grave hazardous-waste concerns affecting the

salability of the property. As a result, the facility was considered a

millstone around the corporation's neck and its executives were delighted

at the prospect of getting out from under it.

Walking into the shed, Cindy was glad she was wearing a sweater. It was

cold. There were only a couple of electric space heaters trying to warm

the building that was so flimsy it was almost porous to the cold wind

blasting in off the lake. As she entered, Cindy saw April sitting in the

corner going over financial information with a man she assumed to be the

chief financial officer.

A tall brown-haired man came forward with his hand outstretched. "Hi!

I'm Ted Collins and you must be Cindy Martin. I've heard so much about

you." Turning to Kelly he said, "I don't believe I've had the pleasure."

Kelly introduced herself and turned as a cold blast of air came rushing

in when the door was opened again. Cindy saw Kelly's eyes widen as a huge

man came through the door. He was over six four and pushing 250 pounds.

He had black hair, piercing blue eyes and a very friendly smile.

Ted Collins grinned and said, "Kevin, I'm really glad you could make the

meeting. I wanted these folks to meet you." Turning back to Cindy he said,

"I'm very happy to introduce you to Kevin Cavanaugh. I understand from

April you're quite a Bears fan. If you are, I'm sure you recognize the

name." Cavanaugh was the Bear's starting tight end, and was known as a

fearsome blocker. Cavanaugh grinned and shook hands quickly, but it was

apparent his attention was drawn to Kelly.

He walked over to her and Cindy was fascinated by the girl's reaction.

She appeared to be shy and almost fearful. Ignoring the others, he took

both of her hands in his. Then he released a hand and gently moved a stray

lock of her beautiful auburn hair away from her face. "Hi, Irish! I've

been waiting for years to meet you," he said. Then he tipped up her chin

and kissed her softly and gently.

The girl's arms appeared to reach out automatically and link behind his

neck. Electricity just flowed between them. Both Cindy and April were

smiling warmly as they watched.

They both winced a moment later when Kelly stepped back and then slapped

Kevin's face with all her might. "You have one hell of a nerve, you big

ape!" she exclaimed with green fire flashing from her eyes.

Kevin Cavanaugh just shook his head and smiled. "Well, the name is

certainly accurate," he said. "Only an Irish girl would greet her true

love with a roundhouse right." Kelly started to sputter, Kevin began to

laugh, while both April and Cindy were trying to stifle their giggles.

Cindy had never seen the tall redhead look so beautiful. "I'm not sure

it's safe to ask, but where did you two first meet?" she asked.

"I have never met this ape before in my life!" Kelly exclaimed, "but I

did see him drop a bunch of passes in South Bend before Notre Dame gave up

on him and sent him to the Bears."

Cindy found she liked Kevin Cavanaugh very much because he reminded her

of a bigger Dan Burke. Kevin grinned and shook his head sadly. "Is that

the way to speak of the future father of your children, Irish?" he asked

innocently. "The fact is there are a number of the Bears who will testify

that I announced I was going to marry you months ago. I go down to Calumet

City all the time just to see you dance. You're great! And you have a

magnificent body, too."

Suddenly Kelly blushed red as a beet. "Do you mean to say you have seen

me... _strip?"_ she demanded.

"Well, I thought it would help you keep your job if there were customers

in the joint. I thought you were doing it for customers. I mean, you

don't need such a public place to strip just for me. Isn't that the way

you keep your job? Pack the place with customers?" He grinned at her and

asked, "And is this all the thanks I get?"

The others just laughed and Ted Collins told them that, aside from being

a professional football player, Kevin was a metallurgical engineer from

Notre Dame, had his master's degree and was well along in his course work

for his Ph.D. He was considered to be the foremost authority on electric

steelmaking and electric-furnace quality control. Furthermore, he had been

elected to Tau Beta Pi, the engineering equivalent of Phi Beta Kappa.

Kelly murmured, "Oh great! A guy who can only communicate in

equations."

Kevin looked at the three women together and quietly whistled. "You

have to be the three most beautiful women in the world!" He grinned at

Cindy and said, "Miss Martin, as beautiful as you are, and in spite of how

much I love blue-eyed blondes, I'll have to take a pass. You aren't quite

tall enough for me." Turning to April, he shook his head and said,

"Unfortunately, you share Miss Martin's height problem, and I happen to

know Ron Jackson is a very jealous man." Kevin looked sad as he continued:

"He's won too many games for us this year. I can't afford to destroy his

morale by taking you away from him." He looked at her with his eyes wide

and said, "I hope you're an understanding person, April? Everyone on the

team says you are. You do know, it's just in the interest of team unity,

don't you?"

April's eyes were dancing as she very solemnly said that she appreciated

the great sacrifice he was making. He smiled a beaming smile and said,

"I'm so glad you two girls are so understanding! I guess that leaves me

stuck with Irish, here. At about five feet ten, she's more my size,

anyway. You do have a name, don't you? Something more than Irish?"

Kelly just glared daggers at him. Cindy said, "I'm terribly sorry,

Kevin. I would like to introduce you to Kelly Kathleen McBride. Like you,

she's a graduate of Notre Dame. She majored in English and philosophy and

was elected to Phi Beta Kappa." She grinned and added, "Isn't it wonderful

the way God works? Here she is, particularly strong in the area in which

she believes you're weak. She can even explain the meanings of some of the

big words to you. I think it's neat. By the way, Kevin, have you named

your first six children?"

Kevin looked at Cindy very solemnly and said, "Only the first four.

After all, the mother should have some input, don't you think? I thought I

would let her name the next four and then we'll collaborate on names for

the rest."

Kelly just glared at him and sputtered with rage. Finally, she said,

"Kevin Patrick Cavanaugh, I wouldn't marry you if you were the last man on

Earth! My God! You don't want a wife, you want a brood mare."

The byplay between Kelly and Kevin stopped suddenly when Dan Burke

entered the tiny office. Dan looked around and again noticed how beautiful

all the girls were. He noted there was a new addition to their costume.

All three girls were wearing identical heavy gold link chains around their

necks like slave collars. He had heard the story from Janice. She had had

one made in 18-carat gold for Cindy, claiming all slaves should wear

collars. The chain was a wide chain-link necklace that was very heavy

because of the weight of all its gold. Then Kathy Cartwright insisted all

the junior slaves must have slave collars, too. The result was April and

Kathy formed a small club. The catch on their necklaces was engraved with

the ornate letters C and S. Kathy explained with a grin it stood for

Cindy's Slaves. It was presented to every girl who served naked as a slave

at the Stewart's. Dan found out that Kathy, April and Janice split the

cost and they were presented to all of the girls who qualified. He knew

they were worn proudly as a part of the uniform.

April took the lead in presenting the investment proposal to Dan. When

she finished the numbers, he was astonished to hear Kelly giving a detailed

operational explanation of the way the steelmaking operations would work.

In response to a question from Cindy, she said she had worked a couple of

summers in a steel mill during college because it paid so well. That was

when she became skilled in controlling a crane with hand signals. She

grinned and said, "I was always so damned hot, maybe it got me into

stripping. Coupled with the fact that the guys on the crew would work

stripped to the waist and razzed me because I wouldn't."

Kevin said, "Why not, Kelly? You have a beautiful chest. What were you

ashamed of? Or didn't you have your full bust development then?"

She glared at him and continued with the explanation. Ted Collins then

introduced the management team, explaining that Kevin was a critical

ingredient because of his knowledge of electric steelmaking. Cindy watched

with pride as her people made the entire presentation. Dan then proceeded

to comb it out, asking every kind of question he could think of. Finally,

he turned to Collins and asked, "Ted, is this something you and your people

really want to do? Do you or your people have any questions?"

"I don't, Dan. We do have one, though. People: we have enough people

to get started, but I'm a little concerned about staffing up. Do you have

any ideas?"

Cindy smiled and said, "That's not a problem. One of my other officers,

Kathy Cartwright, can line up three full staffs if you ever need that many.

She has a line on top steel men from Poland, Czechoslovakia, Germany,

Northern Ireland, and the United Kingdom. There are some Poles she has

spoken to who can't wait to have the opportunity to make the best damned

steel in the world in the best country in the world!" She smiled and added,

"They are really good steelmen and good workers. Are you interested?"

"Sam Smith can get you up to 500 blacks he'll personally vouch for.

They will work!" April added.

Cindy explained Kathy's language fluency and guaranteed the men would be

ready as soon as they were needed. Then Collins said, "I guess that takes

care of the staff, then. Now all we need is the money."

Cindy said, "The deal we're offering is $500 million. $100 million will

be for 80 percent of the equity; there will be two investors. The

remainder will be bank term debt. Chicago Trust will put up $400 million,

but there's another Chicago bank that may participate with us. You'll have

20 percent for your management team and we will want to know how you're

going to divide it. You'll have the opportunity to increase the management

holding to a total of 40 percent within ten years. How does that sound to

you?"

"It sounds like I'm dreaming," Collins replied. "How long will it take

you to line up the money. And where, in Heaven's name, are you going to

find two people to put up $100 million?"

"That's the easy part," Cindy said with a smile. "I mentioned Kathy

Cartwright, who is also in my division. Half of the money is hers. The

other half is coming from April's mother." The bankers smiled as they

watched Ted and Kevin's jaws drop.

Kevin recovered first. He looked at April speculatively with his eyes

dancing and said, "April, maybe I was a little hasty. The more I think

about it, the more I realize you're really not _that_ short. I realize now

I wasn't being fair. A guy should make allowances for the less fortunate.

And hell, a guy can carry this team loyalty stuff too far."

April just frowned and shook her head, but her eyes were dancing with

glee. "You're too eager, Kev... and too late. Now I see you only love me

for my money. I'm sorry. You had your chance and you blew it."

Kevin pretended to be crushed. Ted had recovered by now and was looking

down at the table top, slowly shaking his head. He looked at Cindy and

said, "I don't know what to say. You're telling us that two investors and

a bank are willing to put up half a billion dollars! And the investors are

close personal friends, to say the very least. Wow! What a

responsibility!" He shook his head again and asked, "What's the next step?"

Cindy looked at Dan. "Dan Burke is the best financial analyst in the

business, Ted," she said. "Dan, I want to make the loan. What do you

think the reaction will be in the bank?"

"Instant approval. This is a win-win-win sort of deal. We do something

for the community, for the region and for the people. How can we lose?"

The discussion became more general with Kevin discussing the economics

of electric steelmaking. It appeared they would be able to sell at a

profit with a price just slightly more than half the delivered price of

competition. Then they took a tour and watched through dark goggles as the

electric furnace turned out a small batch of steel. Cindy was impressed

with Kevin's knowledge and, surprisingly, Kelly's.

As they were preparing to leave, Kevin took Kelly in his arms and kissed

her again, soundly. Cindy shook her head in amusement as she saw the

unmistakable signs of the girl's knees giving way. Again, they all winced

at the sharp sound as she slapped his face and stalked away. She saw Kevin

slowly rub his cheek as he watched Kelly move and noted the love in his

eyes as he watched her go.

* * *

It was now mid-December and the Bears were playing their last

regular-season game against the Dolphins in Miami. Surprisingly, Jan and

Peter Stewart decided to go down to see it. Because Miami was out of

play-off contention and its stadium was so large, getting tickets was not a

problem. They had chartered a plane and planned to take Dan and Cindy,

along with Susan and April, down with them.

In spite of her size, Cindy thought Kelly looked very cute and woebegone

when she came into the Stewart kitchen early one morning the week of the

game. They were meeting to review the loan proposal in its final form

before sending it forward, but Kelly had arrived over an hour ahead of the

meeting. As usual, Cindy was wearing no clothes and Kelly quickly shed

hers. They sat at the kitchen table with coffee and Cindy waited for Kelly

to say something. It was obvious something was bothering the girl.

Finally, still looking into her cup and idly stirring the coffee, Kelly

said, "Cindy, I have a great favor to ask: Could I come down to Miami with

you? I would be happy to pay my own way."

"Of course you can, honey!" Cindy replied, "but that's not what's on

your mind, is it?"

"It's Kevin," she said softly. "What should I do?" Cindy noticed that

tears were rolling down her cheeks. In spite of it, she looked lovely.

Then she started to cry in earnest. "Cindy, I'm a filthy stripper!

Everyone and his brother-in-law has seen me, has seen my cunt, and I've

tempted them. I don't deserve a guy like Kevin! But, God, I love him so!"

"How long have you been in love with him?" Cindy asked quietly.

"Since the first time I laid eyes on him," she replied with a bitter

laugh. "In spite of the way I acted and what I said, I always saw him when

he came into the club. He's pretty hard to miss," she said with a tiny

smile. "I think those were my very best nights. Whenever he came in I

danced for him alone. I would think about going to bed with him and having

him make love to me." She looked at Cindy for the first time and said, "I

think our lovemaking will be exactly the same as yours. You and Dan are so

beautiful together! When are you going to get married?"

Suddenly Cindy's face crumpled and she started to cry. The younger girl
took her in her arms and Cindy buried her face in Kelly's shoulder and just

bawled. Kelly just held the girl and could feel her shoulders shake with

her sobs. Their breasts were in contact and Kelly realized what a strange

sensation it was. Both girls were in perfect physical condition and had

very full, firm tits.

Slowly Cindy regained control and said, "I don't know when we can get

married, Kelly. Years from now, I'm afraid. I'm going to be a slave

forever!" Then she brightened and said, "But I apologize. I have him in my

bed every week and the experience is exquisite. I guess I'm better off

than you are." She eased away and looked into Kelly's green eyes and said,

"You're still a virgin, aren't you?"

Kelly's eyes widened for an instant and then she nodded her head. "I'm

a complete virgin, Cindy. I have never had a man anywhere." Then she

looked at her boss and said, "Cindy, I've been thinking. When I come out

here as a slave, I should be paying you. You and Dan give a course in

lovemaking. What amazed me is the way you take him in your mouth and in

your ass. Both appear so easy for you, yet he's so huge! I didn't think

it was possible. You really like it, too, don't you?"

Cindy nodded and smiled. "I sure do! It's funny, Kelly. The first

time I took Dan, it was in my mouth. I think it was almost like doing

penance or something. We used to fight like cats and dogs, and I thought

he was the dumbest banker in the world. Then I found out he's really the

smartest, and I wanted to make it up to him somehow. Then I used to see

Peter Stewart taking Jan in her ass. She actually seemed to love it, so I

insisted Dan take me that way, too." She looked at Kelly and smiled saying,

"Now I want him any way he'll take me. All I know is he can play my body

like an organ. I guess it keeps me in shape. The other thing I can't live

without is sleeping with my head on his shoulder. I just adore it."

Kelly just smiled softly, shook her head and said, "I just can't wait!"

Then the others started to arrive and soon after they began their review

of the lending agreement. While April was concluding the presentation,

Cindy's mind wandered. When the girl finished, Cindy just shook her head

and smiled, although her eyes were gleaming with tears. "You three are too

much," she said finally. "There's not a lending unit in the industry as

good as you are. I just sit around, practice my cooking, and nod wisely

once in a while. I just thought it was about time to acknowledge what you

all are doing."

She turned to Kelly and said, "As for you, McBride, you're receiving a

raise to $85,000 a year. You also get a bonus of $60,000 and a promotion

to vice president." She shook her head and added, "It's a good thing you're

an English and philosophy major and don't know a damn thing about banking,

or I'd be out of a job."

April looked at the girls beside her and then reached across the table

to take Cindy's hand. "Cindy, you're too much. You really are! 'Nod

wisely once in a while' I think you said? Speaking for myself, I didn't

know what a loan was when I started work with you and that was less than

six months ago. Kathy has less time than I do, and Kelly even less than

that. Kathy is the only one with any training." She turned to her friend

and asked, "Kath, how much of your graduate education have you used?"

_"Used?_ You two had a big advantage: You started off knowing nothing. I

had to start by unlearning most of what I thought I knew! All I know about

lending you taught me, Cindy.

"But there's so much more! You know Jane Keller was transferred to the

Trust Division. Did you know she set a requirement for accepting a

transfer? She did. In spite of skipping her from assistant treasurer to

vice president, she would only take the job if she could wear a modified

Special Lending Division uniform. She wears a jean skirt and a jean jacket

along with her slave collar. At the first opportunity she tells anyone who

is interested what it is and what it means. It means she's one of Cindy's

girls! That's the highest distinction in the bank.

"Incidentally, she stood the Trust Division on its ear. She has at

least half of its customers clamoring to be assigned to her, including all

of our very largest. Why? Because she learned from you what customer

service means." Kathy looked into Cindy's eyes and said, "Are you starting

to get the picture? You're the finest senior officer in the whole bank.

How do you measure performance? Loan production? We're tops by a mile.

Loan quality? The next dime we lose will be the first. People? You have

the best people in the bank and they all love you. Promotability? Our

only problem is retention because Cindy's girls are in such demand around

the bank. On the other hand, it takes dynamite and double promotions,

usually coupled with a few threats, to get them to move. Leadership?

Cindy, you're one of a kind. Your people, top to bottom, love you and

worship the ground you walk on. They would follow you anywhere."

April picked up and said, "Cin, I don't think I ever told you this:

Emily Amelia called you a little twit the first day I met her. But before

she died, she told me how much you had changed and what a wonderful person

you are now. She couldn't believe the torture you so obviously suffered

with no bitterness at all! I came to love and deeply respect that woman,

Cindy. I can only agree that you changed between the time she first formed

her opinion and the time I met you. I guess you know I love you like a

sister, except as I told someone, if you and I were sisters we would fight

one hell of a lot more." There were tears streaming from April's eyes as

she concluded, "I love you, Cin."

By this time Cindy was crying. She looked at April and said, "Do you

remember a promise you made me make to you when you started? You made me

promise to throw your black ass out of the division and out of the bank

when you couldn't cut it?" She straightened up in her chair and said, "Well

damn it, Jefferson, it isn't going to happen. You know why? Because

you're the best damned lending officer in the bank and, while technically

you're deputy division head, we both know you run the whole damned division

in your spare time. April, thank you. The bonus I promised you is in the

works. It will be one of the biggest bonuses the bank will give this year.

I promised, remember? There's still a problem, though. I want yours to be

the biggest bonus in the bank, but Dad and the directors will only agree to

one of the biggest."

Then, with an effort of will, she grinned, dried her eyes, and said,

"Thanks, guys. You're too kind to me. You really are. But what the

hell... It's supposed to be fun, isn't it?"

Kathy smiled and said, "Speaking for all of us, Cin, I don't know if

it's supposed to be, but it certainly is fun working for you." She grinned

and added, "Bill is starting to worry. He says I'm much too eager to leave

his bed in the morning. He thinks I have something going on the side. I

guess he's right, too. I have a golden-haired, blue eyed dream that I love

to be around. Cindy, you're a lot of fun!"

After the review, Cindy signed the loan recommendation along with April

and sent it along to S. Stratton White, the senior vice president in

charge of the heavy-industries lending group. It was going to him for

information since the present corporate owners of Chicago Steel were his

customers. From there it would go to the Board for final approval. There

was no decision yet with respect to a participation for Northern National.

Cindy had decided not to make a recommendation, but to leave it up to the

Board for a top-level funding decision.

* * *

The weekend in Miami was bright and clear. By now the Saturday

afternoon touch football games with April and Susan playing Mike and Ron

had become well known to the team and around the league. A Bears assistant

coach had made inquiries and the Dolphins had found them a small park with

a field suitable for their game. Because it was sunny with the temperature

in the 80's, the girls decided to buy white bikinis to wear for the game.

Kelly was with them at the store and bought one, too.

When they met at the park, Kevin Cavanaugh was waiting with the guys.

Mike said to Susan, "I'm tired of trying to throw to a guy who's trained to

bat passes away. I want a guy who's paid to catch them for a change."

Sue introduced Kelly who asked, "If that's the case, Mike, what did you

bring this ape for? Notre Dame finally fired him when he couldn't catch

one. But since he's so damned big and takes up half the field, I can see

how he might be useful as a blocker once in a while, though."

When asked, Kelly immediately agreed to play. Susan knew that all of

Cindy's girls were in fantastic physical condition and she had heard about

Kelly and Kevin Cavanaugh. The game shaped up to be fun. The girls
whispered together, and Sue grinned. On the first play, Sue rolled right

after an apparent fake to Kelly who loped out to the left flat. Sue

appeared to get in trouble. Her feet slipped and Mike and Kevin pounced,

but she didn't have the ball. Just then Kelly lofted a left-handed pass

that reached April running in full stride. She had appeared to slow down

when Sue was in trouble, but then blew by Ron to catch the pass and take it

in for a touchdown. When she scored, there was a great cheer from the

sidelines. Almost the entire Bears defensive unit was there to cheer for

April. The cheers were mixed with whistles because of the beauty of the

girls revealed by their tiny white bikinis. The girls gaily waved to the

sidelines provoking even more cheers.

The afternoon was a long one for the guys. Susan was in Mike's face all

afternoon, disrupting his timing. When he did get the ball away, too often

it had far more loft than he wanted but he had to throw high to clear her

up-stretched hands. On one of his lofted passes, Kevin had to stop to wait

for the ball. As he prepared to catch it, Kelly leaped high, batted the

ball with her finger tips and then caught the deflection. She easily

outran Kevin down the field. As Ron was about to tag her, she lateraled

off to April who ran it in the rest of the way for a touchdown. It turned

out Kelly was as adept as April at catching the ball and ran just as fast.

The result was disastrous for the men. Sue had a great time with two

targets to throw to instead of only one. The result was the men's worst

loss of the season: when they stopped the game, they were down by five

touchdowns.

As they were relaxing with their beer after the game, Mike looked at

Susan with real respect. He asked, "Sue, I'm serious now. How in hell did

you set up those pass plays? When we were back, you threw in front of us.

When we played tight, you threw the bomb. How in hell did you know what we

were going to do?"

"I didn't," she answered with a grin. "We just set it up the way you

described. If a guy was playing tight, I threw by him and if he was

playing back, I threw short. Isn't that what you're supposed to do?" she

asked innocently.

That night the guys hosted the girls at the girls' victory dinner. Mike

grinned at Kevin and said, "Cavanaugh, welcome to the team. You joined us

just in time to pick up your share of the check. In fact, Ron and I

decided your share is half. We're poor. We have these two vultures for

agents. How would you like to try to live on two dollars a week?"

The girls laughed and Sue said with a sniff, "It's good for you. It

keeps you out of the bars and out of trouble." Then she took Mike's hand

and said, "Because this is a special night, Mike, I'm even making a special

rule. I won't even smack your face tonight. Aren't you lucky?"

Mike grinned and winked. Kevin said, "Thanks a hell of a lot, Sue.

That gives my Irish terror a license to really work me over. As it is, she

has nearly broken my nose and loosened two teeth!" He leaned over and

kissed Kelly gently. He heard her make warm, happy sounds deep in her

throat and then very lightly tapped his cheek with her hand. "What

happened," he asked. "I know damned well you can hit harder than that."

She smiled and looked at him with love in her eyes. "I'm sorry, Kevin,"

she said softly. "That's the best I can do tonight."

The three couples were later joined by Cindy Martin and Dan Burke and

the four couples spent the rest of the evening dancing. Because the game

was not scheduled to start until four o'clock the next afternoon, the men
didn't even have to be back at their hotels early.

The first time Kevin held Kelly in his arms on the dance-floor, it was

like Heaven. She was very light on her feet and just rested her cheek

against his shoulder. Finally he asked, "Are you happy, Kelly?" She just

murmured softly and snuggled against his chest. "I love you very much,

darling," he whispered. "I always have. Do you think you could ever come

to like me? At least a little?"

She looked up at him and her eyes were glowing. "Kevin Cavanaugh, I

have always loved you. When you came to see me dance, I was dancing only

for you. I wanted you to know how badly I wanted you -- how badly my body

needs you. Like you? Cavanaugh, I love you desperately." Then she buried

her head in his shoulder and started to cry.

Kevin eased her towards a dark corner, stopped dancing and just held her

close while he felt her shoulders shaking. Finally, she looked up at him

and he gently wiped her tears away and asked, "What's wrong, darling? Why

the tears?"

"Because I'm being too easy. You know I'm a stripper and that's at

least two strikes against me. Honey, I really want to sleep with you

tonight. I can't tell you how badly." She tried to smile, but her tears

had started to flow again. "But honey, I'm a virgin. I really

honest-to-God am. I want to save it for our wedding. Do you mind? I've

dreamed of you taking me on our wedding night for years." Then she managed

a small smile and added, "What are the names you picked out for our first

four kids? I already had my four picked out. I wonder if there are any

duplicates?"

He grinned and just shook his head. "I thought you accused me of

wanting a brood mare?" he asked with his eyes dancing.

"I did," she replied softly. "I guess it's because that's what I want

to be. Honey, I so desperately want to carry your children in my belly.

She looked at him and just shook her head. "Can you imagine a basketball

team of our very own? With our genes, the kids will all be giants." Then

she winced and rubbed her abdomen. He asked what was wrong and she

replied, "I can see them now weighing twelve pounds at birth. Oh, my

aching birth canal! But what the hell, this way I can buy maternity

clothes in wholesale quantities."

"Maternity clothes?" he asked in mock astonishment. "What maternity

clothes? What's wrong with flour sacks?" He leaned down and kissed her

softly and then harder. Her arms locked behind his head as she crushed her

lips against his.

When he released her she whispered, "I'm sorry! I lost my head. Naked,

barefoot, pregnant, and with at least one child nursing at my breast.

Kevin, I'll love it!" She looked up at him and whispered, "Isn't that a

terrible thing to say?"

He just grinned and slowly shook his head. "I think it's wonderful,

Kelly. I really do." Then he shook his head sadly and it was her turn to

ask what was wrong. "What chance do the poor kids have? They'll be born

with the map of Ireland on their face! By the way, I love the name, Kelly,

for a girl." He pulled her tight and kissed her again. He could feel the

electricity and the love flow between them. _God, I love this girl!_

The next day the Bears demolished the Dolphins. Mike connected with

Kevin for five passes, three of which he took in for touchdowns. It was

his best game as a Bear, and established him as yet another offensive

weapon. The defense held the Dolphins to just one field goal and were very

annoyed when they got that late in the game with a near-record 58-yard

attempt. A very happy group of Bears and their fans headed back to

Chicago. *Chapter 27*

On the Friday night before the Dolphins game John Smith was in the

pantry studying. He had come to love the Jeffersons deeply in the months

he had been working for them. Knowing how bright and well-informed Mary

and April were, he had vowed to complete his college degree. Tonight was a

very different night at the apartment: For the first time he was alone with

Mary. April had gone to Miami and even Ronnie was away for the weekend.

The little boy had been invited to spend the weekend with Kathy and Bill

Cartwright. Instead of going to the zoo, a movie or the circus, they

planned to spend the weekend walking around the ethnic neighborhoods where

Kathy was so much at home. Quite by accident, they discovered Ronnie had a

facility for languages and loved the strange sounds and smells of the

ethnic neighborhoods. He alternately walked or was carried in Bill's

strong arms. Smith smiled at the thought.

Then he heard a strange sound coming from the library. It sounded like

a woman crying. He thought about putting his butler's uniform back on but

decided against it. Wearing slacks and a sweat shirt, he padded through

the apartment to find out what was wrong. As he moved toward the library

he heard the sounds more clearly. His first thought had been right: It was

Mary Jefferson crying. He found the door almost closed, but pushed it open

quietly with a feeling that he was prying into her personal affairs.

Looking around the door, he saw her huddled in a leather chair. She was

wearing a bathrobe that had opened wide at the bottom fully revealing her

beautiful slender body below her waist. As he watched her long slim

fingers running up her slit, the tortured sound of her weeping caused his

heart to turn over. She was so lonely and so wanting.

Almost without conscious volition, he went into the library. It was

significant that in spite of his giant size, Mary seemed to be unaware of

his presence as he came towards her. Hearing her tortured sobs was tearing

him up inside. This woman, more than anyone else, had saved his life. He

would do anything for her, including sacrificing his own life if necessary.

John went to his knees in front of the chair and spread her bathrobe

wider. Gently he stroked her skin. As he knew it would be, it was like

chocolate-colored satin, vibrant and warm to his touch. Gently he stroked

the sensitive flesh of her inner thighs and watched her legs spread wide

for him. He had no clear idea of what to do, so he just continued to

stroke her thighs. In no time he could see her breathing speed up. In

moments, her pelvis started to jerk as his mere touch on her sensitive

flesh was enough to bring the poor woman to orgasm.

Watching, he saw moisture appear between her cunt lips. He thought she

was the most beautiful woman he had ever seen. She was clean limbed and

almost hairless except for a very small dense patch of silken pubic hair.

He touched it with his fingers and found it did feel like silk. Letting

his fingers roam, he gently ran them down her slit, evoking a gasp from the

woman.

By now Mary knew what was going on, but was powerless in the face of her

wanting. Without thought she reached down with her slender fingers and

parted her nether lips for him. Revealed now was her beautiful pink slit

and her clitoris, now rigid and waiting. With a soft wordless cry he

lowered his mouth to her crotch and started to lick her slit and tongue her

clit. Whenever he made contact with her clit, she cried out with wanting.

John Smith had never gone down on a woman before. He had grown up in a

macho ghetto culture which held women to be subservient to men. It was up

to the woman to prove her fertility and her womanhood by becoming pregnant.

With welfare, marriage was never even considered. Now with Mary, his world

was turning upside down. He wanted to worship her. Dimly he recalled

reading about tribes in Africa headed by women. In the tribe, the men
served the queen and Mary seemed like such a queen.

He continued to lick her cunt and found it was exquisite. It was so

clean and sweet-smelling, and her juices tasted so good. She came again

and again and again. Finally, as she approached an even higher peak of

sexual excitement, he bit her clit lightly. As her cunt exploded in a

flood of juices, Mary screamed and fainted. Very carefully, he licked out

the juice and chased down every drop. Then picking her up like a baby, he

carried her to the sofa. Then he sat down and rested her across his lap.

After carefully closing her robe, he just held her close and gently stroked

her hair.

After a few minutes, he saw her blink and look up at him with a weak

smile. What came next amazed him. She pulled his head down and kissed him

softly on the lips. It was like no kiss John had ever imagined! It was

soft and gentle, yet filled with unleashed passion at the same time. He

could feel electricity flow between them. Gently she disengaged, got off

his lap, and knelt on the floor between his legs. Then she loosened his

belt and waistband, unzipped his fly and worked his pants off him. John

was shocked when she carefully removed his underpants and released his

giant cock, now in a raging erection. It had been years since he had been

with a woman and the previous events hadn't helped.

She just looked at it and whispered, "John, you're beautiful." Then she

lowered her head and began to worship his sex with her mouth. He couldn't

control himself. Try as he would to control himself, he still had an

involuntary release of semen. Although it embarrassed him, Mary seemed to

relish it, licking it all off the head of his penis.

Then she started to use her mouth as a vagina. She started to move her

mouth up and down on the giant black rod. It was so big around, she could

scarcely get her mouth around it. Nevertheless, she worked with a will.

To his astonishment, she finally had taken him in to his full length, and

began to run her mouth up and down its length. To him it felt like a

vagina except he could feel the suction as she worked on him. He could

feel himself nearing release and didn't know what to do. He would choke

her, he feared.

Meanwhile, Mary was gently kneading his testicles and relishing the

feeling of all of his semen trapped in the sac. When she thought he was

about to explode, she squeezed his balls and started to knead his testicles

hard. He exploded! In spite of swallowing as fast as she could, some of

his cum still forced its way out of her mouth and began to run down her

chin.

After what seemed like hours, his pulsations slowed and then stopped.

She rocked back on her heels and looked up at him with a woeful look and

said, "I'm sorry, John. I thought I could swallow it all, but I couldn't.

I hope you don't mind too much?"

He lifted her up like she was a baby and put her back on his lap. Then

he began to lick the cum off the side of her face that her tongue couldn't

reach. "Mrs. Jefferson," he asked softly, "why did you do that? It's not

right for a queen like you to do a thing like that."

She just nuzzled his shoulder and said very softly, "John, thank you. I

apologize to you. I'm sorry you heard me weeping, but I couldn't help

myself. It's been so long -- over twenty years -- since I've been with a

man. Tom was a real man and you are, too." She looked up at him and said

softly, "Will you take me to bed now? I had almost forgotten what it feels

like to be a woman. And John, please call me Mary."

John was nonplused. He didn't know what to do. He rose from the sofa

and easily carried her into her bedroom. She shrugged off her robe and she

lay on her bed waiting for him. For his part, he just looked. She was

utterly spectacular as she lay there looking at him. He realized she had

the body of a girl twenty years younger. She lay back on the pillow with

her legs spread and reached out to him saying softly, "Please, John?

Please take me."

He got into bed with her and she took him in her arms. Moving between

her thighs, she put his rod between her legs at the entry to her vagina.

Lifting her hips, she moved her body downward in the bed and partially

impaled herself. He could take it no longer and began to move inside her

very tight cunt. The feeling was like nothing he had ever experienced in

his life before.

Mary was feeling sensations she had forgotten even existed. She started

to move her pelvis in tempo with John as he drove into her and finally

buried his shaft to the hilt. Slowly he started to move in and out of the

woman. In almost no time at all she was reached her first orgasm, then a

second, and a third and a fourth. Soon, Mary realized her body was

drenched in sweat as her muscles moved out of control. Finally, she went

over the crest and could feel a flood of hot semen flood her vaginal

cavity.

When they recovered, she kissed him slowly and lingeringly. Then she

asked him, "John, could I try something April told me about? It's the way

the Stewarts always go to sleep. Mrs. Stewart puts her head on Mr.

Stewart's shoulder. He cups her tit with his hand, and she just snuggles

close. Could we try it?"

It sounded like fun to the big man, but beyond that, he was incapable of

saying no to Mary Jefferson about anything. They turned out the lights and

she rested her head on his broad shoulder. When his hand cupped her

perfect breast, she just made warm sounds of pleasure. In moments, they

were both asleep.

* * *

With the late start of the Dolphin's game, it was long after midnight

when April returned to the apartment. Ronnie was going to be brought home

by Kathy Monday morning on her way in to the bank. The apartment was dark

as she opened the door, but she heard sounds from her mother's room.

Making her way quietly, she found the bedroom door ajar. She saw her

mother on her knees taking John Smith's enormous cock in her ass. The

noises she was hearing were sounds of intense pleasure. Smiling, she

carefully closed the door. Her mother was happy again at long

last. *Chapter 28*

When the Stewarts and Cindy returned home to Deerfield, there was a

package waiting for Jan from the bank. She opened it and flipped through

the material. Most was routine, but there was a sealed envelope for Cindy

which Jan passed over to her. Cindy opened it and scanned it quickly. It

was from S. Stratton White, saying that the loan to Chicago Steel had been

turned down. He indicated he would be available to talk about it at two

o'clock Monday afternoon. Cindy was furious as she got ready for bed.

The next morning she confirmed her meeting with White for two o'clock

and then called April and Kathy. She asked them both to be ready for the

meeting. Cindy was starting on her chores around the house -- she could

now do everything in about an hour -- when Jan asked her what she was going

to wear for the meeting. Cindy was taken aback. She hadn't given it any

thought at all. "Are you suggesting our uniform might not be appropriate?"

she asked. Then she just shook her head and said, "It doesn't really

matter much; I don't have anything else to wear, anyway."

Jan grinned and disappeared, returning a few minutes later with a lovely

blue dress. "Try this on, Cin," Jan said. "I think the color will look

good on you."

As usual, and despite the fact that it was almost the first day of

winter, Cindy was naked. She slipped the dress over her head and Jan

zipped it up for her. Looking at herself in the mirror, she saw the color

exactly matched the blue of her eyes. She smiled at her image in delight,

but then frowned. "Where did this come from, Jan?" she asked. "I can't

recall ever seeing you wear it."

"It's something I picked up for my older sister, Cin," Jan replied

softly. "Since it's early in the day and your brain isn't functioning too

well yet, she is you." Smiling warmly she added, "Pete and I don't know

what we're going to do when you leave. You've spoiled us, you know.

Cindy, you're the most giving person we have ever seen or heard of." Tears

came to her eyes. "Honey, I wake up sometimes crying. I think of what I

did to your glorious body. You'll carry those scars forever, and it's all

my fault. Can you ever forgive me?" Now Jan began to cry in earnest.

Cindy took the woman in her arms and held her close, whispering, "Jan,

Dan and I talk about it, too. He touches the scars and I tell him how

happy I am that they're there. Without them I would still be in the

running for the title of the world's most obnoxious bitch. Except I

probably would have retired the trophy by now. Darling Jan, you changed me

for the better. I'm still skeptical, but a lot of people are saying they

think I'm pretty nice now. I just hope they aren't all wrong."

Then she eased Jan away from her and grinned. "But if you don't turn

off the damned waterworks, you're going to get tears on my beautiful new

dress. Then I'll really kill you," she said. "You know something?

There's something to be said for being naked all the time. I never have to

worry about tear stains."

Jan worked on Cindy's hair and fixed it the way Henry Hall had done it

months earlier. When she was finished she grinned at Cindy and said,

"Slave, you cheat!"

"What did I do now?"

"You're using makeup. At least, you're using two bobby-pins which are

practically the same thing," she replied with a grin. "Cindy, Henry Hall

said it all. Your hair is truly exquisite and all you do is wash it, brush

it, and hold it in position with just two dumb pins."

Cindy frowned and then shook her head sadly. Running her fingers

lightly over Jan's golden hair she said, "Oh, the poor girl! Jan, you're

right. If your hair were not the color of new-minted yellow gold, if it

didn't have its glorious body and wave, and if it didn't straighten itself

when you just look at it, it would be dull, mousy and uninteresting. You

poor thing!" She rose and hugged Jan saying, "Janice Stewart, I love you

very much!"

Cindy then called the other girls and told them she was wearing a dress

that day for the meeting. When she was ready to leave, she was a vision.

She was delighted that the neckline complimented the only jewelry she was

wearing, her gold slave collar. When Jan asked her about it she smiled

warmly and said, "It reminds me of whom I belong to."

Driving into Chicago, Cindy focused on the upcoming meeting. She hadn't

seen Stratton White since the fateful day in what was then Horace

Paterson's office. White was one of the division heads Paterson had

brought into the bank. She remembered that she had considered him to be

the model corporate lending officer at the time. Then she reflected on the

way her opinions were now 180 degrees away from what they had been in the

spring and wondered what the meeting would be like.

April and Kathy were waiting for her in her office. She looked at the

two girls and began to laugh. "You two should see yourselves," she

giggled. "You look like two 8th-graders going to their first dance with

boys. Two girls who are far more at home in jeans, finally putting on

dresses for the first time!"

The girls looked sheepish and then grinned back. Both looked like they

could pose for a bank advertisement showing female lending officers at

work. Kathy was wearing an expensively-simple gray wool dress, while April

was wearing a tan cashmere suit.

Cindy thought of the image and started to laugh. When April asked what

was so funny, Cindy said, "Just look at us. We could pose for a bank ad

for affirmative action or some such bullshit. Three women: one black, one

Oriental, and one white." She laughed and said, "I ask you?"

The girls looked at one another and then joined in her laughter. April

smiled softly and said, "Cindy, you do know that's what we love so much

about you, don't you? I really haven't thought about being black or even

female since I started to work for you. I'm convinced that you don't know

or care. You care very deeply about the kind of job I do. I have learned

more in six months or so with you than I could have in ten years anywhere

else." Even though there were tears in her eyes, she smiled and said,

"Cindy Martin, you're just plain great!"

Kathy said, "I don't know about that! I admit you're senior to me,

April Jefferson, but what have I received from this deal? I mean, after

all, I _do_ have an MBA. All I have to show for my four months is a

vice-presidency, a husband who I adore and who adores me, a few hundred

million dollars, and an incredible family. Where are all the benefits we

were supposed to get? I'll never be a success at this rate!"

Then her expression changed and she said, "Cindy Martin, it's all your

fault, too. I have one question, though. Bill asked me about it. We want

to name our first child after you but Bill and I agree that Cynthia would

sound a little strange as the name for a boy, even if the poor kid is going

to be Eurasian-American to start with." Then she appeared to brighten and

said, "On the other hand, odds slightly favor it being female and Cynthia

Cartwright would be a lovely name for a girl, don't you think?"

The girls went up to the Heavy-Industries conference room. Cindy was in

the lead and was the first to see Stratton White. When she did, her

stomach turned over. He now appeared to be overweight, obsequious, and a

man who hid behind committees -- in short, all of the things she had come

to detest.

She shook hands and was introduced to the group of people he had

assembled. In addition to all of his senior executives that she expected

to be present, there were representatives from Public Relations and

Community Relations. White was seated at the head of the table with all of

his people sitting down the table to his left. They reminded her of a

group of penguins arrayed in their pecking order. She sat between April

and Kathy to his right, and across the table from his staff.

He began the meeting by sliding the loan recommendation down to Cindy.

He smiled a hearty smile and said, "Cynthia, I'm sure it's obvious to you

why this proposal cannot be approved. It's ridiculous. It makes no sense

at all."

"It is not obvious to me, Stratton," she replied coldly. "Suppose you

tell me why you feel it makes no sense."

"Well... I mean... What will the other banks think? What will the

mayor think?" Then looking at her meaningfully, he added, "What will SHOVE

do?"

April Jefferson replied, "Why do we care what other banks think?

They're competitors. What does the mayor know about anything besides ward

politics? And who gives a damn about SHOVE? Mr. White, perhaps you

should know that my mother threw him out. Civil-rights leader? Hah! He's

great at enriching himself at the taxpayers expense." Cindy glanced at the

girl and saw that her eyes were steely as she continued, "Suppose you tell

me what the bank should do?"

"Well," he said with an expansive smile, "That's easy, and it's what the

bank is going to do! We're joining the SHOVE consortium that's going to

reopen the entire steelmaking facility. It's going to provide jobs for

welfare people, maintain our city's steelmaking capacity..."

"That's bullshit, Mr. White," Kathy Cartwright interjected. "What you

mean to say is you hope to line up government guarantees and at least get

an origination fee out of it. We both know there's no chance of operating

the steelmaking side of that facility again, ever!"

White had recoiled at Kathy's statement. "Who in hell are you, young
lady? I expect an apology, immediately!"

Cindy began to laugh and shook her head. "I wouldn't do that, if I were

you, Strat. Who is she, you asked? Her name is Katherine Chang

Cartwright. She may be the largest depositor the bank has. If it's not

her, it's her sister, Jennifer Chapman, or her other sister, Janice

Stewart, or possibly her mother, Allison Clifford. Let's just say she's

directly related to the ownership of about 96 percent of the bank. Now

what was that about an apology?"

The man turned gray, verging on white. He just sputtered. Just then,

Homer Biggs from Community Affairs said, "But we have to back SHOVE! If we

don't, they'll picket the bank. They're standing by and their pickets will

appear at three o'clock unless I call Horace and tell him we'll go along. I

have to call within the next ten minutes." The man was so nervous, he was

visibly sweating.

As he was speaking, the door opened and Dan Burke came in. His first

words were, "Then I guess we'll have some people picketing outside, won't

we?"

Turning to White he said, "Sam, we're making Cindy's loan. The board of

directors unanimously approved it this morning." As he was speaking, he

stood behind Cindy's chair and started gently to massage her neck, although

his fingers were hidden by her long hair. She was stunned. She knew from

his first words that the speaker was Dan, but with his strong hands holding

her she was unable to turn around to look at him.

Dan continued, "Sam... I should apologize, Sam. I know you like S.

Stratton these days, but to me you'll always be Sammy. Anyway, your

actions over the last couple of days have cost you all your jobs. Don

Martin and I were wondering what you folks... all of you folks... have

been doing for a living lately. Now that we find out, we don't like it at

all.

"Sam, do you realize the profit from Cindy's division substantially

exceeds your gross divisional revenue? It does. Don and I are old
fashioned. We believe in backing winners, so let's look at the track

records, shall we? First, loan production: Starting from zero, her loans

for the last six months exceed your total for the last three years. Loan

quality? The next dime we lose on one of hers will be the first. I don't

want to embarrass you by talking about yours. People? Cindy has the

finest staff in the bank. Every person was handpicked and personally

trained by her or her senior deputies who are here with her today. They

tell me she trained them personally.

"When one division head attempts to overrule the decision of another in

the other's field, he's sticking his neck out. He had better be right!

Sam, you couldn't be more wrong, so you're finished as of today. You may

clean out your desk now. As for public relations and community relations,

Cindy handles those in her spare time with no additional effort. She just

performs. Therefore, gentlemen, you're also expendable." Turning to Biggs

he said, "Homer, maybe Horace Washington will give you a job. I hope so.

Good-bye."

The heavy-industries people and the others filed out of the room in a

state of shock. April winked at Dan and left with Kathy, leaving Cindy and

Dan alone. He pulled up a chair beside her and held her hands.

She looked at him and tears were streaming from her eyes. "Who the hell

are you, Daniel Burke? What just happened here?" She reached for him and

he lifted her onto his lap. She nuzzled his shoulder and softly sobbed

while he stroked her hair.

Finally she looked up at him and he said, "Cindy, will you forgive me? I

guess I have been terribly mean. The fact is I'm executive vice president

and chief lending officer. You have been working for me for quite awhile

now. I just didn't want you to know it. Do you mind terribly?"

Her eyes glinted as she said, "Do you mean to say that all my work

trying to find an inexpensive apartment has been wasted? You're really

making enough to support a wife? You have been all along? Even when I

bought dinner, and felt sorry for you when you walked all the way out to

the house because you spent all your money on my flowers?"

"Honey, I have never lied to you," he protested. "I really did walk out

because I didn't have any money." He grinned and said, "I didn't tell you

there was none in my bank account, though. I really did spend all the

money I brought."

He kissed her lovingly and added, "As for the rest, you've been doing

such an incredible job all by yourself. I thought it would be a boost to

your self-confidence for you not to ask me for advice. Do you really

mind?"

"Not really, Daniel Patrick Burke," she replied with an impish grin.

"Just remember, though, I _will_ get even. I don't know how or when, but I

will. Bet on it!"

Just then the conference room phone rang. She answered it and found it

was a call for Dan. He picked it up and in a moment his face turned

serious. He said, "Just watch the doors. I'll be right down."

Turning to Cindy he said, "Biggs didn't lose any time. Washington and

his pickets are starting to gather across from the bank right now. The

first television news crew just arrived."

When they reached the lobby, through the glass doors they could see

numbers of people gathering across the street with professionally-prepared

picket signs. Then they saw something else: People of all types were

starting to gather in front of the bank. They just stood and faced the

pickets across the street. As Dan and Cindy watched, the crowd continued

to grow.

* * *

Across the street from the bank's main entrance, Conrad Jensen, the

evening anchor for Channel 7's Eyewitness News program, was at his

microphone. He was describing the unfolding events. They were taping, but

an engineer was standing by in the newsroom at the studio prepared to

interrupt regular programming with a live report. He had just finished

describing Horace Washington and his SHOVE people, and said they were about

to move into position to surround the bank.

Then he noticed a change. Speaking into his microphone, he said,

"Something very strange is going on here in front of the headquarters of

Chicago Trust. People -- hundreds of people -- are gathering in front of

the bank. More are arriving as I speak to you. I have never seen anything

like it. They are people from all walks of life standing shoulder to

shoulder and surrounding the bank. They look like... like they're

protecting it!

"Wait! I see a group of very big men all wearing Chicago Bears warmup

jackets. I recognize Mike Cassidy, the quarterback, but he has a lot of

company. I see steelworkers, mechanics, grocers... Folks, I don't know

what's going on! These can't be customers of this bank. Jane Edwards is

here with me and is moving in the crowd. Jane, can you hear me? What's

going on?"

The picture cut to Jane Edwards, a Channel 7 reporter, standing with

Henry Kwan, the Korean grocer. She said, "Conrad, I'm here with a man
named Henry Kwan. He's a Korean immigrant who claims to be a depositor at

Chicago Trust. He's here to protect his bank. Mr. Kwan, why do you call

it your bank?"

Henry Kwan was very dignified as he replied, "Miss Martin and Miss

Jefferson trusted me. They loaned me the money I needed to expand my

business. They are friends of small business. Miss Martin is a division

head and Miss Jefferson is my lending officer." He beamed with pride and

added, "She was recently promoted to vice president. My family is very

pleased."

"But Mr. Kwan, Chicago Trust doesn't lend to small business people. It

only lends money if you don't need it... if you're rich. Horace

Washington says..."

She was interrupted by Sam Smith who towered over her. He said, "Horace

Washington doesn't know (bleep)! That's wrong: He sure knows how to take

care of Horace Washington." He looked at the reporter and said, "You're

Jane Edwards, aren't you?" She nodded and he continued, "My name is Sam

Smith. I served time for armed robbery. I'm sure not proud of that fact,

but I sure am proud of April Jefferson, Cindy Martin, and the whole damned

Chicago Trust Company. Would you lend money to an ex-con? They did."

Tears came to his eyes as he said, "Do you know what just happened? I'm

now a trust customer of the bank. They're managing my retirement plan.

Can you believe it? An ex-con with a bank like this helping me set up my

retirement? And they really are!"

Edwards was visibly shaken. She moved to where she had seen Bears'

warmup jackets. She found Charley Hodgins, the giant 290-pound defensive

tackle of the Bears, and introduced herself. She asked why he was at the

bank. With the camera whirring he said, "Because it's my bank. My bank

officer is April Jefferson." He beamed and said, "She's my agent, too.

She's really taking care of me and so is the bank. I heard they needed

help, so I came down."

Just then the SHOVE group started to cross the street to where

microphones had been set up for the "spontaneous" demonstration. The group

around the bank building gave way only enough to allow Horace Washington to

reach the mikes. He didn't know that his supporters, many of whom were

being paid to come out, failed to follow, so when he began his speech he

realized he was completely surrounded by unfriendly faces. His eyes

widened as he realized his people were still across the street. As he

watched, some put their signs in nearby trash bins and started to steal

away from the scene.

But Horace Washington hadn't worked himself into his present position by

walking away from a fight. Whatever else he was, he was not a coward. He

began his speech: "Today we're here to protest the racist, elitist lending

practices of Chicago Trust Company. This bank deals only with the rich.

The people of Chicago made this bank. What has it done for the city

lately? All it does is hold the money made by generations long dead for the

benefit of people who are the parasites on our economy. They just take --

they never give!

"We wanted them to help with the reopening of Chicago Steel's great mill

on the lake. Would they help? No! Would they talk with us? No!"

Washington was standing with his back to the building, facing the tv
cameras on news trucks parked across the street. As a result he didn't see

the crowd part behind him, forming a corridor from the main entrance of the

bank to where he was standing. Cindy had returned to her office when she

saw the crowd gathering. Finding April and Kathy waiting for her, she

quickly told them what was happening and they changed into their uniforms.

Because of the cold weather, they were all wearing parkas. When they came

out of the door of the bank, there was an immediate murmur of recognition

from the people nearby. Guessing what Cindy intended, they moved back to

create an aisle for them.

Cindy was standing on the steps of the bank as Washington started to

speak. She heard the first words of his speech and guessed what he

intended to say. The hood of her parka was down and her golden hair was

flowing free as she walked up behind the speaker. As they walked, Ron

Jackson and Bill Cartwright emerged from the crowd and followed them.

When Washington stopped for an applause line in his speech -- because

his supporters had left, there was none -- Cindy spoke up. "I beg your

pardon, Mr. Washington. Did I hear you say our bank has made no loans to

the people of Chicago? My name is Cynthia Martin. I'm a senior vice

president and head of our Special Lending Division. I think I see a number

of our customers all around us."

Speaking into the microphone she shouted, "Would anyone who borrowed

money from Chicago Trust in the last year please raise his hand?"

Suddenly, almost every hand in the crowd was raised. There was a

tremendous cheer from the people as they did. Washington was visibly

shaken. She continued, "Did we give Mr. Washington money ostensibly to

reopen that museum of steelmaking on the lake? Hell, no! What we just

did, though, was to make available $500 million to install an electric

furnace and start making steel from scrap. I want you all to know that

Chicago Trust arranged the entire financing package with no government

money or guarantees. Not a penny! I want you to hear from my deputy,

April Jefferson. April is a vice president and my deputy division head.

She led a group that did all of the work to create a _modern_ steelmaking

facility here in Chicago. April?"

April went up to the microphone and looked around at the crowd. She

asked, "How many of you have received financial help from SHOVE?" There was

no response. She persisted, "Surely someone here in Chicago has received

money from the organization. I know the Federal government alone gave them

almost $20 million. The other banks provided millions more. Didn't anyone

here get any?"

A middle-aged black man pushed his way through the crowd to the

microphone. April glanced at Washington and saw he was looking scared.

The man said, "I borrowed money from SHOVE. They were charging me 30

percent interest paid weekly. They had bone-breakers who would come around

and collect. I have a little furniture store in the community. We sell

inexpensive things the people can afford. Miss Jefferson, you came in one

day. You lent me the money to pay off SHOVE. I'm paying the bank a

floating rate three points over prime."

Looking around the crowd he asked, "How many of you know what three over

prime is?" There was no response. He continued, "I didn't either. It

started with Miss Jefferson who bailed me out of a jam. I couldn't afford

the interest I was paying. Then her people came around. They worked with

me on my business. They explained what a floating-rate loan is. They

helped me! You all know who they are. They all dress like these women

here. They all drive those red Mazdas."

He paused and then stood between Cindy and April and put his arms around

them both. He shouted, "Who are these young women!?"

There was an immediate response from hundreds of voices. The media

didn't know what was going on, but they heard an immediate roar, "The

Twins!"

The man continued, saying, "I'm Henry Jones. You all recognize these

women. They are 'the twins who aren't'! Have you ever seen two more

beautiful women together? One is white and the other is black. Have you

ever seen a hint of racism? Have you ever seen a hint of charity? All

I've ever seen is a sincere desire to help. Do they make money? I hope

so."

He held his head up and said, "Do you know what makes me feel so good?

The money is not charity! It's not because I'm black or in spite of being

black. It's because they think it's good business. I can't tell you how

proud this makes me, and looking around I can see a lot of others who are

just as proud!" He turned around and said, "Horace Washington, you are a

disgrace! What do you have to say for yourself?"

To the astonishment of the crowd, Washington, his eyes burning with

rage, started to swing at April Jefferson. Before his arm could come more

than halfway around, Ron Jackson had interposed himself. He blocked the

swing and leveled Washington with a right cross to the chin.

As Washington was falling, Ron took April in his arms and held her

tight. Turning to the mike he said, "No one hits the Twins! _No one!"_

There was a thunderous roar of approval from the crowd.

April turned and said, "Thank you all for coming down here this

afternoon. We appreciate your support very much." Then with a grin she

added, "Now why don't you get back to work? How are you going to make the

money for next month's payment? We need the money!" The temper of the

crowd changed instantly. With a great cheer, they started to break up and

move away.

April took Ron in her arms and kissed him tenderly. "Thank you, Ron,

darling," she whispered. "You saved my life. He could have taken my head

off."

Just then Conrad Jensen and Jane Edwards pushed their way to the

impromptu podium with their microphones. Jensen asked, "What's this news

about Chicago Trust and its lending? Why didn't you tell us you were

lending to the minority community? Why weren't we informed?" As he spoke,

numbers of people started to gather around, drawn back by the news people.

"I beg your pardon?" Cindy queried. "We don't customarily call a news

conference to announce that we made a loan. I believe in your business,

that's called a 'dog bites man' story. It isn't news. Mr. Jensen;

lending money is our business. To whom we lend is private between

ourselves and our clients."

"But it's news when you lend to minorities," Jensen insisted.

"Why is it news?" April asked. "We lend to qualified borrowers who we

believe will benefit from the money in an economic way. We seek out

businesses which need money to grow. When we make these loans, we both

benefit. They make more money from their business and we make more money

for our depositors."

"But... But you're black! And I heard you introduced as a vice

president..."

"I noticed that fact several years ago, Mr. Jensen," April interjected

dryly. Miss Martin is white and Mrs. Cartwright is Oriental. So what?"

"But, you're in community relations..."

"I'm a vice president in a Chicago Trust lending division. I lend

money. That's all I do. What passes for community relations is just a

device to create jobs rather than create value. I like to think I help the

bank to grow and prosper. When I do that, I can grow with it."

Jensen and Edwards were in shock. People pressed close trying to tell

their individual stories. The tv news shows that night on all three

network stations opened with a feature on Chicago Trust and the destruction

of SHOVE. Late in the afternoon, the Federal attorney for Chicago had

announced a grand-jury investigation of SHOVE to try to find millions in

lost Federal money. It also turned out that Chicago Trust was the biggest

money source to both minority groups and small business of all kinds in the

area.

Cindy and Dan were watching the show from the leather sofa in Dan's

office. They had just made love on it and she was resting with her head on

his shoulder, after teasing him about having a leather sofa to sleep on

every day. As they watched the newscast, Dan pretended to be sad and said,

"Well, you really did it this time! Now how are you going to work

twenty-four-hour days here and still take care of Jan in Deerfield?"

Cindy just snuggled closer and said, "I have a friend who's a big wheel

in the bank now." She lifted her head and looked at him asking, "You are my

friend, aren't you?"

He smiled and caressed her breast. She snuggled closer and smiled

happily. Dan frowned and shook his head. "I don't know... I guess so,"

he said sounding reluctant. "But what have you done for me lately? After

all, Cin, you're getting kind of worn..." He brightened and asked, "By the

way, does your father provide a warranty for parts and labor? False teeth,

orthodonture, cosmetic surgery... that sort of thing?"

She poked her elbow into his ribs and then looked up at the wall over

the sofa. There was an old portrait of a senior officer of the bank from

many years earlier. She smiled and said, "Dan, I have something for you

for Christmas. I want you to promise you'll hang it right up there." She

pointed to where the portrait was hanging.

Dan looked skeptical and asked, "And what, may I ask, am I supposed to

hang there?"

"A portrait of your mistress, silly! And it's an original Vance, too."

She looked up and said, "Promise?" Dan just smiled and hugged her. Before

long, they were making love again.

They both received smiles from the guards on duty when they finally

signed out of the building late that night. *Chapter 29*

It was only a week before Christmas when Cindy called April and asked

what the Division was going to do for a party. Hanging up the phone, April

immediately called the dining room and asked about scheduling a Christmas

party for the division. By now the unit numbered sixty people and it was

still growing rapidly. The initial response was laughter. She was told in

no uncertain terms that the facilities had been booked for over six months.

Hearing the news, April was ashamed. It was the first thing she had

overlooked in the nearly six months she had been working with Cindy and she

knew her friend would be crushed. Thinking she would try some local

restaurants, she idly mentioned to the hostess that she would like to leave

her name in case there was a cancellation or something.

The woman laughed and said it was most unlikely but then she asked, "To

whom am I speaking? What unit do you represent?"

"I'm April Jefferson, vice president and deputy head of the Special

Lending Division," April replied, giving her extension number.

Suddenly, there was a pregnant pause at the other end of the line. The

woman said, "Oh, dear! I'm terribly sorry, Miss Jefferson. I didn't

recognize your voice. When would you like to have your party? I'm sure we

can accommodate you."

April was amazed, but asked the date of the senior officer's party.

Told it was at noon on December 23, April asked for five o'clock that day.

The woman said, "Oh, that will be fine! May I send up a menu

recommendation? We're so looking forward to having you."

Being the girl she was, April called Cindy right back. "Cin, something

very strange is going on," she said. Then she reported the strange

conversation with the manager of the officers' dining rooms. "First, she

as much as laughed me off the phone. Then when I told her who I was,

suddenly she could handle us anytime we want -- or at least that's the

impression she gave. What's going on?"

Cindy chuckled and said she would check. Hanging up, she called Dan's

number. Now that the truth was out, she delighted in teasing him about

being a credit analyst. Nevertheless, he always picked up if he was in his

office. Today he was and he did. Picking up the phone he said, "Hi,

doll!"

"I beg your pardon, sir!" Cindy said imperiously. "To whom do you think

you're speaking?"

"A blue-eyed, golden-haired cunt," he replied in a bored tone of voice.

"They're the only ones with this phone number. On the other hand, which

one are you? There are a significant number these days."

"I'm the one with the scarred ass and circumcised clit. Does that sound

like someone familiar?" she asked acidly.

"Oh, sure! I remember," Dan exclaimed. "Let's see... I'm pretty sure

your name begins with a C.... Charlotte?... No. Candy?... No! Cindy!

You must be Cindy!"

"Right," Cindy replied, drawing out the word. "Daniel Patrick Burke,

you _do_ know I'm going to get even, don't you? I still owe you for

pretending you were still an analyst...

"Incidentally, I went to a NOW meeting. It was a waste of time," she

finished.

"Why was it a waste?"

"Because you hear so much chatter about women as a receptacle for a

man's fluids? Well, I went to find out how a girl does it. I'm tired of

being made to destroy myself with my orgasms. When I told them that you

keep me in orgasm for over fifteen minutes at a time and then finally

persuaded them it was true, the meeting broke up. The women bailed out to

try to find you, I think. And they never answered my question, either,"

she pretended to grump.

Dan laughed at her story and said, "I'm sorry, hon. Seriously, though,

why the call? What's on your mind?"

Cindy quickly told him about April's report and he laughed again.

"Well, what do you know!?" he exclaimed. "I think we must finally be

getting through. Your father and I have been on a two-man campaign to try

to get you and your unit some recognition. I guess someone must have been

paying attention. Anyway, are you all set?"

"Yes we are. The reason I called was there are two questions: First,

can we get a combo in to play if we pay for it ourselves? Second, we

scheduled it for five o'clock on the twenty-third and I want to invite you

to come, assuming we get some music. You know, Burke, I can't remember you

ever dancing with me. You do dance, don't you?"

Dan chuckled and replied, "I sure do. With all the grace and charm of a

trained bear dancing on its hind legs. It's what I remind people of, too.

Incidentally, knock off the shit about paying for the band. It's a bank

charge. As far as dancing is concerned, are you sure you want to take your

life in your hands?"

"I'll take the chance, darling," she replied and hung up.

* * *

The evening before the parties, Cindy received a call from Mary Martin.

She said, "Cin, would you do your father a big favor tomorrow? Please wear

your division uniform to the senior officers' party. I guess you'll be

there with April, Kathy, and Kelly, won't you?" Cindy said she would and

was asked to tell the girls to wear their uniforms, too. Finally, she was

puzzled when she was told that there would be assigned seating at the

luncheon. The hostess would have the seating chart.

The next day the four girls looked at each other and started to laugh.

They were identically dressed complete with their matching slave collars.

When they arrived at the executive dining room, expanded to its largest

capacity for the occasion, Cindy was a little embarrassed to see everyone

else dressed up while her group was wearing their customary Levi's and work

shirts. They found themselves seated at a table immediately in front of

the head table. As the luncheon was being served, Cindy was surprised to

see Jan Stewart and Jennifer Chapman come in and take seats at the head

table. Her father was sitting between them. When she was seated, Jan

looked over at Cindy and winked at her.

When the meal was finished, Don tapped his water glass for attention and

then stood up behind the rostrum. When the room quieted, he said, "Welcome

and Merry Christmas! Today we're doing a number of things that are

different from what we have done in the past. There are several reasons

for this, not the least of which is that the bank is now a very different

institution than it was as recently as last year. First, I want to

announce that this year is shaping up to be the most profitable year in the

bank's history. Second, on your tables under the centerpiece you'll find

envelopes with each of your names on them. Please pass them out and open

them now. They represent year-end bonus payments."

Cindy reached under the flowers and found envelopes and passed them out.

Opening her own she grinned wryly as she saw that she had qualified for a

bonus of 200 percent of base salary. Since the base salary was zero, so

was her bonus. From the looks on the faces of the girls they were

receiving comparable bonuses but with real money. She studied the bonus

stub more closely and found that the bonus formula was divided into two

pieces: divisional bonus and bank-wide bonus. Each could be as large as

100 percent of salary. When she caught Jan's eye, she daintily stuck out

her tongue and Jan laughed.

Meanwhile Don Martin remained standing at the rostrum waiting. When the

sounds died down he continued: "I hope you all looked at your bonus stubs

carefully. The information is highly relevant to what's coming. You see,

today we're doing something else that's new: We're announcing a new

bank-wide award, the Clifford Prize. This is a prize donated by the owners

of the bank: Mr. and Mrs. William H. Clifford, Mr. and Mrs. David

Chapman, Mr. and Mrs. Steven Chapman, Mr. and Mrs. Charles P.

Cartwright, Mr. and Mrs. William C. Cartwright, and Mr. and Mrs. Peter

J. Stewart. Since the Cliffords are the largest shareholders, the award

is named after them. The Clifford prize is to be given each year to that

division with the greatest achievement against plan.

"Before I turn over the rostrum, I want you to look at your stubs

carefully. For some of you, virtually the entire bonus is a result of

bank-wide results. Well, when you're considering the degree to which you

should applaud the winner, I thought you should know that _90 percent_ of

the bank-wide profit was generated by the winning division. Expressed

another way, this division has contributed nine out of every ten dollars to

the bank-wide portion of your bonus.

"It is now my great pleasure to introduce the chairman of the board of

directors, Jennifer Clifford Chapman, to make the presentation."

Jen was wearing a very simple but elegant wool dress in Christmas red.

She stood at the rostrum and acknowledged the applause after winking at

Cindy. When the room quieted she said, "It is my great pleasure to present

the first Clifford Prize to Cynthia K. Martin and the Special Lending

Division. Cindy?"

As Cindy rose to her feet, all the officers in the room also rose and

began to applaud and cheer wildly. She went behind the speakers table and

stood at the rostrum with Jennifer while they waited for the applause to

die down. While they were waiting, an easel was set up behind them and a

veiled painting was put on it. When the applause diminished, Jennifer went

to the picture and lifted the cloth covering it. It was a portrait of

Cindy, April and Kathy wearing their uniforms. Cindy was seated while the

other girls were standing behind her. Again there was loud applause for

the portrait that Jim Vance had done. Jennifer announced, "This portrait

of Cynthia Martin, April Jefferson, and Katherine Cartwright will hang in

the lobby of the bank. It's a tribute to them and to the people in their

division, as well as to what they have achieved.

"Obviously, the unit has been very profitable. But there's more. There

was some concern about the reaction of our old-line customers. There

should not have been. They have been tremendously supportive of our

efforts. We -- and they -- are both very pleased and very proud." Jennifer

then took Cindy in her arms and pulled her close. "I would like to add a

personal note. There's no person alive for whom I have greater love,

admiration, and respect than Cindy Martin. It's fair to say we didn't

start off as the best of friends. Now I like to consider her one of my

very dearest friends. I would like to close by saying this award could not

possibly go to a finer person than Cynthia Martin."

Don Martin returned to the rostrum and Cindy returned to her seat. He

said, "There are a couple of additional remarks I would like to make about

her division's results. First, loan losses: There are none. However,

there is something all of you should know. When the special lending

program was very new and before we had any experience with it, the owners

were concerned about what the bank examiners might say about the loan

quality. Do you know what they did? They personally guaranteed all of the

loans. They were ready to buy the entire special loan portfolio from the

bank at its face value and pay us a servicing fee. In other words, any

risk in this portfolio ran directly to the owners of this bank

_personally!_ Have you ever heard of such an endorsement? Incidentally,

the backing was to their entire personal net worth, a sum of money that

totals nearly _$10 billion!_ The bank, the other depositors, and the FDIC

couldn't possibly lose.

"On the other hand, we did have problems with the examiners regarding

this portfolio. It's not quite the problem we anticipated, however. You

see, the examiners questioned why we have _any_ loan loss reserves,

pointing out -- correctly -- that we have not yet lost a dime! However, I

don't want you to think my daughter has no problems. She certainly does.

Her problem is keeping her loans on the books. The first loan she made was

about six months ago. It was a five-year term loan to fix up a restaurant

in Deerfield."

Turning to his daughter, Don said, "Cindy, I have bad news for you. The

Legrands are here today." Turning back to the group he said, "Please

welcome the very first customers of the Special Lending Division, Marcel

and Marie Legrand." The two came in arm-in-arm. Cindy noticed that Marie's

abdomen was starting to bulge -- obviously she was now expecting a baby.

Don Martin greeted them both warmly and then said, "Cindy, this concerns

you. Come back up here, please."

Again she made her way up to the rostrum and was greeted warmly by the

Legrands. She whispered congratulations to Marie who kissed her warmly.

Marcel went to the microphone and said, _"Joyeaux Noel_ -- Merry Christmas!

It was about six months ago when a very handsome couple came into our

restaurant. The young woman had obviously been trained as a _cordon bleu_

chef because she critiqued my menu. A few days later they returned and

noticed the improvements we had made as a result of her suggestions. Then

I was shocked. She prepared the finest croissants I have ever eaten

followed by an omelette that was truly a masterpiece. We listened to her

advice and then she offered to lend us the money we needed to make our

plans a reality. We didn't believe it. Who ever heard of a banker who

could cook? But then two days later, dressed as you see her now, she

returned with a check."

Turning to Cindy he said, "Today I have something for you." With that he

presented her with a check paying off the loan in full.

Cindy accepted the check and gave it to her father. "What are you going

to do now, Cin?" he asked with his eyes gleaming. "What if all your

customers repay us way in advance? How can we make any money?"

"Dad, I guess I'll just have to prospect harder for new customers," she

replied. She kissed the two Legrands and congratulated them both on the

success of their restaurant and the forthcoming birth of their child.

At this point Marie Legrand went to the microphone and addressed the

group: "As some of you can see, Marcel and I are expecting our first child.

We're overcome with excitement. Our child will be a native-born American!

He or she might become president of the United States. I want you to know

how proud we both are to be in this country. Marcel and I have talked

about it often because nothing like this could ever happen in France. A

banker _coming to our restaurant_ to lend us money? Impossible! It would

never happen. But in America it does... and it did." Turning to her

friend she said, "Cindy, thank you! From the bottom of our hearts, thank

you."

Don Martin returned to the podium and Cindy returned to her seat. He

said, "There's more to this group, though. Cindy has the outstanding group

of lending officers in the bank. As a matter of fact, I guess we're

rethinking the qualifications to be a lending officer in this bank. You

see, her deputy division head started work at the bank less than nine

months ago... as a receptionist! I have a few bones to pick with April

Jefferson, though. Not only is she the finest lending officer the bank has

ever had, she even develops a little business on the side. You all have

heard about banks supporting civic activities? Well, April got a little

carried away.

"What really builds civic pride? A winning major-league sports

franchise, right? What's the biggest sports event of the year? The Super

Bowl. And who's going to the Super Bowl? The Chicago Bears... courtesy

of April Jefferson. She was doing it in her spare time, of course. Here

with me today is Jim Clancy, the general manager of the Chicago Bears to

tell you about it. Jim?"

As he finished speaking, Jim Clancy entered the room and strode over to

the podium. He greeted Don and Dan Burke warmly, as well as Jan and

Jennifer who he had come to know as guests of the McCaskeys. He addressed

the group: "A few months ago I received a call from a young woman who

introduced herself as April Jefferson. She told me she was Ron Jackson's

new agent and asked if she could come over and meet me. I soon found out

that, in addition to being Ron's agent, she was one of 'the twins who

aren't.'

"Who are they? Well, I guess the group is much larger now. A few

months ago, it was just two young women. They were utterly beautiful and

drove around Chicago in a red Mazda. The word was on the street that if

you were a small business man who needed some money to grow, the Twins

would find you. They would provide the you with money, advice...

anything. April Jefferson is one of the twins, of course, and Cindy Martin

is the other. One white, the other black.

"At any rate, when I met April, we got along pretty well and I asked her

if she would be interested in representing some of the other players. She

was and did." Turning towards the door he said, "Hey guys! Come on in."

Virtually the entire Bears defense came in wearing their warmup jackets.

Trailing in behind the group were Mike Cassidy with Susan Bradford and

Kevin Cavanaugh. They formed a semicircle behind the speakers rostrum as

Clancy continued.

"April Jefferson turned around our defense. For the first time in

memory they had no off-the-field problems so they could -- and did --

concentrate on their work. Did she stop there? Oh, no! Not her. For the

first half of the season, our offense was a no-show. April didn't think

that was fair so she takes care of our quarterback. How? She introduces

Mike Cassidy to her sister. Her sister, Susan Bradford, is now Mike's

agent, quarterback coach, and fiancee. She's here with me now. Susan,

will you say a few words?"

Susan went to the microphone and said, "Thanks, Jim. And thank you for

the introduction." Looking out at the crowd, she said, "Jim introduced me

as April's sister. As you can see, she has a deeper suntan than I do."

There was laughter from the group. "However, I think it says something

about the bank and its people. I studied the painting behind me as Jim was

speaking. It sort of looks like 'affirmative action comes to Chicago,'

doesn't it? There are three women: one white, one black, and one Oriental.

It's anything but. I happen to know that this institution and its people

are truly color-blind. I live with April, her mother, and her son. I'm

now an adopted member of the family and love it... and love them.

"Now I would like to introduce you to a friend of mine. I'm trying to

teach him how to throw a football and he's starting to get the hang of it.

I would like to introduce my friend, Mike Cassidy."

Cassidy, after acknowledging the applause, told of the weekend football

games. He said, "I don't really understand it. It looks like we're going

to the Super Bowl, but I don't know how we can. You see, we do all right

against the NFL teams, but there is another team we have a big problem

with. It's composed of several young ladies with my friend here as the

quarterback. Her other team members are vice presidents of this bank. Not

only can't we seem to beat them, we keep getting worse! The last time out

I think we lost by about five touchdowns!

"We've given some thought to enlarging our squad but have been advised

against it. You see, we're up against some real squad depth. I have been

told that there are a few other girls -- Cindy, Kathy, Jan, Jen -- who may

be even better than the ones playing. All I know is they kill us. But the

funny thing is the worse we do against them, the better we do against the

NFL teams.

"There's a little more, though. Susan is my agent. As a condition of

her accepting the assignment, I have to get an education. You see, she's a

Phi Beta Kappa from Smith College. In addition, she's the most beautiful

girl I have ever met. With a lot of luck, she'll marry me someday and be

the mother of my children. Maybe the kids can get some coordination from

their mother, as well as some brains." He grinned and added, "The problem

is I can't really think of what I bring to the party. Oh, well. It's said

'love is blind.' Maybe Susan won't notice." With that he waved, then took

Susan in his arms and kissed her soundly. When he released her, she

started to slap his face but then just kissed him back to cheering from the

crowd.

When Don went back to the rostrum, he held up his hands for quiet, then

continued: "There's more. I would like to introduce another district head

in the Special Lending Division. Before I do, though, I should tell you we

haven't been able to figure out how Cindy organizes her division. We can't

figure out what a district really is. It may have something to do with

language capability, but that doesn't seem to work, either. You see,

another district head is Kathy Cartwright. Kathy comes to us by way of

Hong Kong, Hanoi, and Shanghai. If there's a braver person alive than

Kathy, I've never heard of her. She made her way here after having been

enslaved and tortured for three years beginning when she was only ten years

old. Kathy, it seems, now speaks so many languages I don't think even she

knows how many there are. The number is somewhere upwards of twenty,

though. More about her in a minute.

"But back to the Division. Kelly McBride, will you please come to the

rostrum?" Kelly was surprised but rose gracefully and joined Don. He

looked at her and just quietly whistled. Then he said, "I told you how

April Jefferson was a receptionist? Kelly applied for that job to earn

more money but was turned down. She was a personnel officer at the time.

Anyway, my daughter took her into the division a short time ago and she's

also now a district head. What has she done? Not much. Her first loan

was for $500 million for the new steel facility on the lake. Don't argue

with her, by the way. She really can make steel.

"Dedication? It seems there's one person absolutely critical to the

process: the metallurgical engineer. So what is she doing? It's my

understanding she's going to marry him."

He turned around and motioned Kevin Cavanaugh to join them. Kevin stood

behind Kelly and put his arms around her waist. She made soft sounds and

leaned back against him. Don said, "Have you ever seen anything like this?

Kelly is five feet ten, by the way. You can see how big Kevin Cavanaugh

is. In his spare time he's the Bear's tight end. I have it on good

authority that my daughter told Kelly she didn't have to marry Kevin just

to keep an eye on the loan, but she said it was too important to take a

chance." He shook hands with the two and they both returned to the table

with Kevin pulling up an extra chair for himself.

"Finally, I want to introduce Kathy Cartwright and her husband, Bill.

Poor Bill is one of the few men in the division. However, he, too, has an

extraordinary language capability. Bill was in Special Forces in Vietnam.

He was imprisoned for fourteen years! He was returned to the States only

this year and was awarded the Medal of Honor, the highest award our nation

can bestow for gallantry in action. Incidentally, the action saved the

lives of Dan Burke and his men. I can't tell you how proud we are of these

two young people. It seems they met when he was imprisoned and Kathy was

only ten years old. They fell in love and were married a few months ago.

All I can say is if their children have only a small fraction of the

courage of their parents, as a nation we're in pretty good shape."

He looked up from his notes and concluded by saying, "That's the Special

Lending Division. I'll make only one final remark. It's headed by my

daughter, Cynthia. Speaking for her brand-new mother and myself, all I can

say is we could not be more pleased nor more proud of her. She has done it

by herself under conditions which are not to be believed. Thank you all,

and Merry Christmas!"

* * *

A little before five, April had changed into her dress for the party and

gone up to the executive dining floor where the division's party was

scheduled to be held. She wanted to check with the hostess to ensure that

arrangements were all set. The woman was standing with a number of her

staff and a heated argument seemed to be in progress. Seeing April, the

woman came rushing over with her hand outstretched. "Miss Jefferson, I'm

Patricia Barnes. I'm so happy to meet you and we're so happy you're having

your division's party here with us this evening." April just looked at the

group of staff people still standing around and waiting for Barnes to

return.

The woman blushed and shook her head saying, "I'm sorry you saw that,

but I think you may be getting the wrong idea. You see, it's close to

Christmas, so we don't like to order our staff to stay late for a function.

We usually ask for volunteers, but that created the problem. You see, I

made the mistake of telling them that it was the Special Lending Division's

party."

April's brow knitted in puzzlement. She didn't know what the woman was

talking about. Barnes blushed even deeper and said, "Good grief, I'm

really making a mess out of this. You see, the entire staff volunteered.

To discourage them, I said there was no set time for the party to end, and

from what we hear about the people in your division, I expect it to run

until all hours in the morning. The result is that the people who are

working are not accepting any pay. The people over there who were

protesting are the people who weren't chosen."

April was stunned. She said, "Do you mean to tell me that those people

are complaining because you won't allow them to work for nothing!?" The

woman just nodded her head. "I don't understand. How could that be?"

Now the woman smiled easily and April saw she was a very attractive

woman. She replied, "Miss Jefferson, surely you know where we get our

restaurant staff? Many are immigrants or children of immigrants. It seems

that we don't have a person on the staff who doesn't have at least a good

friend that your division has helped. Most have a family member. The

feeling is that it's the least they can do after all you have done for

them. Then, of course, there's the Christmas bonus. In the envelope, there

was a note from Mr. Martin saying that 90 percent of the money to pay the

bonus was generated by you people, so they feel they have already been very

well paid."

Again the woman reddened slightly and showed April the menu. She said,

"I know you and I went over the menu, but our chef didn't think it was

nearly good enough. He has made some substitutions. Incidentally, there's

no charge. It seems that you have also helped almost all of our food

suppliers over the last six months and they insisted on making it a

Christmas gift." She looked into April's eyes and said, "I hope you and

Miss Martin will take this the right way. It's not a bribe or anything.

They just want to say thank-you! I hope you don't mind?"

April just shook her head. A few minutes later the people from the

Division -- almost entirely female -- began to arrive with husbands and

boyfriends. What followed was conceded to be the finest party ever held at

the bank in its history. Drinks were served with a seemingly endless

supply of hors d'oeuvres. A trio was playing softly during the cocktail

period. Then they sat down to a banquet. At Cindy's insistence, April was

acting as mistress of ceremonies while Cindy and Dan sat at the very end of

the head table. Cindy was trying to be as unobtrusive as possible.

When the dinner was served, April tapped on her glass for attention and

rose to her feet. She raised her wine glass and said, "Ladies and

gentlemen, please join me in a toast. We're gathered this evening for a

Christmas celebration and also to celebrate our very successful year. As

you know, our division is really not even six months old. At noon today we

heard that we have had a very successful year. Because of your

performance, I believe it has been a personally successful year for each of

you as well. Now I want to offer a toast to the person who did it all...

who made us the success we are. I want to tell you something else tonight

that almost no one else knows. This person, who is responsible for our

success has been doing it for _no money!_ None! Not a dime! I happen to

know she even uses money she makes babysitting to pay for the gas in her

car, as well as parking, tolls, and the rest of it.

"I want to offer a toast to the finest division head the banking

industry has ever seen: Cynthia Katherine Martin!" Turning towards the end

of the table she raised her glass and added, "Cindy, we love you!"

Instantly there was pandemonium in the room as everyone jumped to their

feet and began to applaud and then cheer. Meanwhile at the end of the

table, Cindy first looked down at her plate and then tried to hide in Dan's

broad shoulder.

He whispered in her ear, "Honey, you have to go up there and say

something. This is a tribute to you and, damn it, you deserve it!"

She rose from her chair and went to the center of the table where April

was waiting for her. As she came closer, April took her in her arms and

gave her a warm kiss, whispering, "Cindy, I love you... We all do!"

Cindy stood at the microphone and waited for the applause to die down.

When it did, she said, "Thank you, April. I don't deserve this. I really

don't. The people who deserve the applause are April herself, Kathy

Cartwright, and Kelly McBride. They're the ones who really make the

division go. But most of all, the one who deserves it is my lover, Dan

Burke. All I know about banking and making loans -- what little that is --

I owe to him. A little of what he tried to teach me about banking finally

sank in." She turned and looked back towards where Dan was sitting and

raised her glass saying, "Darling, thank you from the bottom of my heart!"

Again there was applause and cheering as she returned to her seat. Dan

was on his feet waiting for her to return. When she did, he took her in

his arms and kissed her passionately. As her knees started to turn to

water, Cindy was dimly aware of redoubled cheering.

Later they danced together. In spite of what Dan had said, she found he

was an excellent dancer and she just loved being held in his arms. It was

the best party she had ever attended. *Chapter 30*

The next day, Christmas Eve, April inadvertently almost started a riot

in the Division. She casually mentioned that there was going to be a big

Christmas party the next day at the Stewart's and it would be nice if a

couple of the girls would be willing to work. She said she realized it was

Christmas, but... Everyone in earshot immediately volunteered. In moments

the word had spread and virtually the entire division -- who were almost

all present in the bank because it was Christmas Eve -- volunteered.

April managed to avoid a mutiny by using one of the division's computer

experts to set up a system using a random-number generator to pick out five

numbers. Those girls whose numbers matched were the ones who would work.

However, it turned out that only four volunteers would be able to work --

the last of the five girls selected was left out because Kelly McBride

pulled rank and insisted that she would work on Christmas herself. April

grinned wryly, shook her head, and put her in charge of the detail for the

next day.

Meanwhile, Cindy hadn't gone in to work at the bank. Rather, she was in

Deerfield preparing for the feast on the following day. The whole Clifford

family was gathering at the Stewart's for Christmas. While she was working

in the kitchen, Janice Stewart came in and lightly ran her fingers over the

scars on Cindy's buttocks. When Cindy looked over her shoulder, Jan kissed

her softly and lovingly. Cindy was surprised to see there were tears in

the girl's eyes as she said, "Darling Cin, I have a favor to ask. The

favor is for Pete and me both."

"Of course, Jan. Anything. What is it?" she replied.

"May we have a plastic surgeon remove these terrible scars I inflicted

on your body? Of course Pete and I will pay for it. We have a surgeon in

Los Angeles all lined up through Mom. He's reputed to be the very finest

in the world at this sort of thing."

There was love in her eyes, but Cindy just shook her head stubbornly and

said, "Jan, anything else. But that's something I just can't do, even if

it means extending my indenture to you some more, or even accepting more

lashes for disobedience."

Tears appeared in her eyes but she tried to grin as she added, "Dan says

the scars on my ass provide a non-slip surface. If they were removed he

wouldn't have anything to hold on to anymore. He says I always get

slippery with my sweat when he's making love to me." She looked into Jan's

eyes and said, "Darling Jan, I need the scars. I really do. They're a

constant reminder of what an unmitigated little shit I used to be and they

also serve as a warning that if I'm not careful I could become again. If

that happened, I would lose Dan, first of all, and you know I couldn't go

on living if that happened. Then I would lose all my friends: you, April,

Kathy... I could go on and on but you get the idea. Jan, please don't ask

me!"

Jan held Cindy close and started to cry. She whispered in the girl's

ear, "You don't know what seeing those scars does to me, though! Cindy

Martin, you're the most beautiful girl in the whole world. What I did to

you was utterly beyond belief." Tears were streaming down her face as she

continued, "I still remember that terrible night here in the kitchen. You

stood right over there with your back to me while I uncoiled the whip

between your legs. Then I cracked it and you let out the most ungodly

scream. I almost cut you in half in the most tender, most sensitive part

of your body. You collapsed to the floor but then just got back on your

feet again. Darling, blood was pouring from your cunt but you just stood

there. I would have been curled up in a ball on the floor, if I could have

taken even one stroke! To this day, Pete and I don't know how you were

able to do it."

Cindy stroked Jan's hair and whispered, "Darling Jan, it may have been

the making of me. I also remember you caring for me in bed for the next

weeks. Every time you removed the covers I thought you would become

violently ill from having to look at the pus and ooze on the horror-show

that was my body. Instead you just put on more ointment and kept putting

cool cloths on my forehead. No one else could possibly have been so

gentle!"

"No one else could possibly have been so cruel in the first place," Jan

responded. "You forgot something: You never mentioned the fact that all

you would take was aspirin. You were in the most excruciating pain but you

wouldn't let me give you anything for it. I did take advantage of you a

couple of times by substituting codeine for the aspirin." Cindy pulled

back, looking startled. Jan continued, "Honey, I had to. You were in such

agony. You even screamed in your sleep. There has never been a braver

person than you!"

Cindy just shook her head. The girls then continued working together

preparing for the Christmas celebration they had planned. While they were

working, Cindy asked with feigned casualness, "Jan, have you ever met the

people who are building the house next door? Do you even know who they

are? Dan has been trying to find out but hasn't been able to."

"They are a very nice young couple," Jan replied. "I met the girl and

she's really very sweet. They don't have any children yet, but they want a

large family. You'll really like them, I'm sure."

"Jan," Cindy asked, her casual pose forgotten, "do you think they would

be willing to sell us the house? Dan and I absolutely adore it, and now he

got a very big bonus so we even have some money. The bum is making a very

good salary, too, so we could carry a pretty good mortgage. Do you think

they would? We love the house... and the chance to live next door to you

and Pete is an opportunity that's almost beyond belief. By the way, when

are you and Pete going to start a family?"

"We already have," Jan replied with a grin. "You mean you can't tell?

I'm already starting to swell. The doctor confirmed it a couple of days

ago. It looks like I'll be a mother sometime in the summer!"

Cindy squealed and spun around to look at Jan as soon as she heard the

words. As usual, Jan was utterly exquisite in her nudity and there was not

the least sign of any swelling.

She was standing with the warmest smile on her face that Cindy had ever

seen. Tears came to the girl's eyes as she took Jan in her arms and hugged

her, saying, "Oh, Jan! I'm so happy. I always knew you would be a

world-class mother and now it's going to happen. What does Pete think?"

"Shh!" Jan replied, "I haven't told him yet. It's going to be a part of

my Christmas present to him." Tears of joy started to come to her eyes as

she continued, "It takes care of my last fear, Cin. Since I was a

prostitute and allowed anyone to do anything if the money was right, deep

down I was scared that something might have happened to my reproductive

system so I couldn't have kids. I guess it didn't. The doctor just

whistled when I undressed -- how unprofessional! -- and said he had never

seen a woman as well equipped for motherhood. I don't know if that's a

comment on me or a comment on his lack of experience. Anyway, I'm

thrilled." She looked at Cindy and asked, "Please don't tell Pete? I want

it to be my surprise."

Cindy immediately agreed, but then said, "You never answered my question

about the house, though. Do you think the owners might be willing to

sell?"

Jan's face fell as she just shook her head and said, "I'm afraid not,

honey. Besides, that place is a junior-grade palace. I'm sure it's

costing well over a million. Even with Dan's salary, it would be a very

big number." Then she brightened and said, "But I'm sure you and Dan will

find a neat place of your own."

"I have another favor to ask, Jan," Cindy said. Jan looked at her

quizzically. "Would you and Pete allow me to become pregnant now, too?

That way I could take care of your baby and nurse it at my breast. Jan,

nothing would make me prouder than to be a wet nurse for your baby. May

I?"

Jan looked lovingly at the girl she had come to think of as a sister.

Although her heart turned over at Cindy's offer, she said, "Let me think

about it, okay? I'll talk to Pete and see what he thinks, too." Then she

grinned at Cindy and asked, "Speaking of houses, how is your apartment

redecorating coming? I haven't heard you speak of it in weeks."

"I think it's going very well," Cindy replied. Then she looked at Jan

with a hopeful expression on her face and asked, "By the way, the owner

wants to christen it with a New Year's Eve party. I got a message from him

inquiring about caterers and stuff. Would you mind if I worked for him

that afternoon? I have gotten to be pretty good with hors d'oeuvres and

that sort of thing. Jan, I need the money, and he's been very nice. He

even advanced a part of my fee so that I could buy some Christmas presents.

Jan's heart turned over as she heard the words. She had recently

learned from April that Cindy was using her babysitting and decorating

money to pay for gas, tolls, and other expenses incurred working on bank

business. She also knew that, in spite of having no money, she had

wonderful presents for Pete and herself as well as Dan, April, and her

parents. She replied, "Cin, of course you can."

She looked at the girl and tears came into her eyes as she said, "I've

said it before, and I'll say it again: Cindy Martin, you are a dream!

You're a beloved sister. I just don't know what I'm going to do when you

move out. One thing's for sure: The quality of the food served in this

place will go downhill." She appeared very serious as she looked at Cindy

and said, "I'm not kidding at all, now, Cin. We both know you couldn't

even boil water when you came here six months ago. Now you're truly a far

better cook than I am. Pete and I were talking about it a couple of days

ago. He's noticed it too, and he's the guy who loves me. We concluded

that I learned to cook to try to hide from being a prostitute. You learned

to cook with love and thoughtfulness. There's a lot of 'you' in everything

you serve. You're giving yourself to us, aren't you?"

Cindy looked embarrassed and dropped her eyes, but nodded her head and

said softly, "I really try, Jan. Let's face it: about the only people who

regularly eat my cooking are you, Pete, and Dan, the three people I love

most in the whole world."

Jan smiled, kissed Cindy and hugged her tight. Then she pretended to

frown and said, "That's as it may be, but in the meantime you're my house

slave so get with it! Do I have to do all the work myself?"

Cindy just grinned and returned to her preparations.

* * *

On Christmas morning, Kelly McBride very carefully opened the door to

Cindy's room. The girl was carrying a large Thermos jug of coffee on a

tray along with three coffee mugs. As usual, she was completely naked

except for a large Christmas-red bow in her hair and a smaller one pinned

on her pubic hair. In addition, of course, she was wearing her gold slave

collar.

Even the slight noise of the latch turning was enough to waken Cindy.

When the door opened, Kelly found herself looking into the girl's brilliant

blue eyes. Dan was beside her in bed with his hand, as usual, cupped over

her breast. Cindy smiled warmly and her lips formed the words, "Merry

Christmas, Kelly!" Then she squeezed Dan's hand awakening him instantly.

Aloud, she said, "Good morning, darling! Merry Christmas!"

Dan's eyes opened, he groaned and said, "Do you mean it's morning

already? It seems like I just got to sleep. Woman, you wear me out!"

As he was speaking, though, he rolled over between her widespread

thighs. In moments his now-erect cock was entering her vagina.

Kelly just watched in amazement as his immense cock just slid smoothly

into Cindy's body. As often as she had seen it, she was still astonished

at how attuned to each other Cindy and Dan were. She continued to watch as

Dan moved in long, slow strokes in and out of the girl while she made

wonderful noises and then began to toss on the bed. Soon she reached her

first orgasm and Kelly saw the girl's pelvis moving in a frenzy of motion.

All Dan did was to slow his movement to give her time to recover and then

pick up the pace. When he did, Cindy smiled lovingly and reached up to

pull his head down to hers to give him a loving kiss. Still he moved

steadily inside her while he gently ran his fingers over her now-sweating

body. Then, when he lightly touched her nipples, she screamed in ecstasy.

Soon it was over. Dan took her to her vibrating crest and just held her

there while her lower body moved in a frenzy. She collapsed as Dan

discharged inside her and then lay on top of her while he tried to regain

his breath and before easing his body off hers.

Meanwhile, Kelly had placed the tray on the dresser. When Dan rolled

off, she got on the bed, gently spread Cindy's legs and began to run her

tongue up the girl's cunt. It was the first time Kelly had ever gone down

on a girl, but she had heard from both April and Kathy that Cindy's vulva

was as sweet as honey. Spreading Cindy's nether lips apart with her

fingers she saw for the first time the scar that ran up its length right

across her clit. She cringed, thinking how incredibly painful the whip cut

must have been. Then she carefully began to tongue the girl's circumcised

clitoris. As she moved her tongue to lap up the succulent juices, she felt

Cindy's hand stroke her hair and heard her moan with pleasure. Finally she

finished by swinging her head so that her lovely auburn hair was over the

girl's slit. Kelly used it to dry the last drops and then straightened up,

rocking back on her heels.

"Kelly, that was beyond belief! Thank you so much, but why did you do

it?" Cindy asked. Kelly smiled and just shook her head; she really didn't

know why she had done it. As Cindy was speaking she pulled herself up to a

sitting position next to Dan at the head of the bed. He put his arm around

her and hugged her tight, again causing her to moan with pleasure.

"Honey," he asked, "I have a question for you: What do you do with your

girls? Looking at Kelly kneeling on the bed reminds me again that you must

hire the most beautiful young women in Chicago."

"Is that against EEOC rules or something?" Cindy asked with a grin.

"Actually, though, it's all the girls. They insist on working out. Just

look at Kelly. Last week Kathy was teasing her because her breasts have

become so firm she can't swing tassels with them anymore. And I know she's

gotten bigger across the shoulders: She was complaining about the fit of

her clothes."

Cindy looked at Dan and said, "You were a Marine. I hear that the guys
who go through the Officers' Basic School in Quantico complain about the

same thing. After going through the school their uniforms don't fit

anymore, either. I gather it's become an occupational hazard with my

girls, too, because of the workouts." Turning to Kelly she asked, "Kel,

would you mind sliding up here so Dan could know what you feel like? For

that matter, I want to feel you, too."

Kelly moved up between the two and Cindy weighed one of her breasts in

her hand, rolling the nipple between her fingers causing it almost

instantly to become erect. Kelly moaned deep in her throat and had her

eyes closed enjoying the sensation as Cindy stroked her tits and Dan ran

his fingers over her satin-smooth skin. Then she opened her eyes, looked

at the two people and asked, "Cindy, could you do something for me for

Christmas? Or, really, ask Dan to?"

Whatever the question was, it was obviously embarrassing to the girl
because she started to blush with the blood moving up her body, flooding

her breasts, and moving on up to her neck and face.

Cindy grinned at the spectacle and said, "Dan, isn't it wonderful to see

a nude girl blush? You see it all, don't you? Kelly McBride, you're

exquisite and the answer is yes. Now what's the question?"

Kelly took a deep breath and blurted, "Could Dan bring me to orgasm?"

She looked fearful as she asked the question and then hurriedly explained,

"Cindy, you know I'm a virgin. You may not know that I have never even

been touched by a man until just now. I'm desperately in love with Kevin

and we're going to get married soon... probably right after the Super

Bowl. Anyway, I was talking with Kathy and she told me how Dan brought her

to orgasm on Labor Day. She says it's the reason she's so happy with Bill

now: She didn't think she could ever have an orgasm. She did, though. So

when she met Bill she just recreated what she remembered you doing to her,

Dan, and was in Heaven! She says she owes much of her happiness to you."

Then she added with a grin, "That's the part that she doesn't owe to

Cindy, of course. She says that without Cindy she wouldn't have ever

joined the bank in the first place. Then she would never have come to the

attention of Jen, who never would have called her to come out to

California, and so she would never have met Bill again. What it comes down

to is she claims she owes everything she has to you, Cindy, as well as

everything she'll ever have in the future!

"Anyway, this is a long way of asking if you'll allow Dan to do to me

what he did to Kathy? Could it be my Christmas present? I so want to be

good for Kevin and good to him. This way, I can be sure. Please Cindy?

Will you let him?"

Instead of answering, Cindy turned to Dan and said, "Darling, I have a

part of your Christmas present for you: a virgin of your very own to play

with." Turning to Kelly she said, "Slave Kelly, please present yourself to

your new master."

Kelly smiled warmly and moved up the bed a little more so she was

between Dan and Cindy. She was still kneeling with her back up straight

and her weight back on her heels as she cradled her beautiful full breasts
and pinched her nipples so they were fully erect. Then she said, "Master,

I am Slave Kelly, and I'm a part of Cindy's Christmas gift to you. As you

can see, I have auburn hair and green eyes. My facial features are

regular. My breasts are full and firm with small pink nipples. Would you

like to feel one?" She leaned forward and allowed her breasts to hang down.

Dan reached out an cupped one with his hand and then gently caressed it

with his finger tips. He noticed that her small nipples became even harder

as he did. She moaned softly as he gently squeezed her firm tit. "Your

tits are very nice, Slave Kelly. Continue your presentation," he said

softly.

Kelly sat up straight again and spread her knees wide. Using her long,

slender fingers, she spread her nether lips and said, "This is my cunt,

Master. I took extra care to make sure it was clean and sweet-smelling for

you this morning. As Slave Cindy told you, it has never been used or even

touched by a man before." Then she leaned forward again, this time raising

her buttocks high in the air. "This is my ass, Master. My asscheeks are

tight and very firm. My hips are slender, but I have a large pelvic

opening in spite of that. My doctor says I was made to carry babies. I so

hope I will. Does my Master approve of his new Christmas present?"

Dan smiled and pretended to be bored. "Cindy, she's... very nice... I

guess. But couldn't you come up with a more original gift? Of course, I

haven't ever received an _auburn-haired_ virgin before, so... Well, I

guess I'll try her out."

Turning to Kelly he asked softly, "What do you want me to do, Kelly?

Are you asking me to do to you what I did to Kathy?"

"Please, Dan, will you? Do exactly the same things. Please?"

"Kel, did she tell you she was in tears, crying like her heart would

break before she came? Did she tell you exactly what I did?" Kelly looked

fearful and just shook her head, no. "Hon, it was a contest with April.

The two girls bet that Pete and I couldn't get them to beg for release.

They both lost. In fact, that's how my love got her most painful stripes:

She bet Pete couldn't make her beg for release, either. She _really_ lost.

Are you sure that's what you want me to do?"

Still kneeling, Kelly replied, "I guess Kathy has forgotten that part of

it. I don't know what you did, but her memory is one of the most delicious

pleasure. If there was pain before, it must have been drowned out by the

pleasure that came later. I guess that's what I would like to do if you're

willing." She grinned and said, "Master, I bet you that you can't get me to

beg you to release me, no matter what you do to me."

Dan just smiled, shook his head, and got her into position where he

could reach her easily. He began to talk quietly with Cindy. She told him

about her conversation with Jan regarding the house next door. "Honey,

it's a young couple that are building it," she said. "They want a lot of

children and the house is very big as we both know. They love it and it's

very expensive so I'm afraid we'll have to find something else." Meanwhile

Dan was lightly running his fingertips over Kelly's body. He looked at her

and could see her start to writhe involuntarily as his fingers moved on her

body.

Although her knees were spread wide to expose her cunt, he seemed to

ignore it, concentrating instead on her breasts and inner thighs. Kelly

found his touch was heavenly! He was so slow and gentle; it was almost as

if she was imagining rather than feeling. The girl was surprised to feel

her respiration speed up and to find she had begun to perspire. Dan seemed

to be completely unaware of what he was doing to her or the effect he was

having on her. He seemed to be concentrating on his conversation with

Cindy rather than on what his hand was doing. To her surprise, she could

feel her passion rise higher and higher. After focusing his attentions on

her thighs, he returned to her breasts. When he touched her nipples this

time, she screamed in pain and ecstasy. They were so sensitive now that

they hurt! This was something she never dreamed could ever happen.

Higher and higher she went to the point of achieving the release she had

only heard of. Then she went over the edge. _But I didn't!_ she thought.

She was amazed to see that she was gasping for breath and sweat was pouring

off her body. Dan asked very quietly, "Do you want to take a couple of

deep breaths, Kel, before we start again?"

Kelly ran her hands through her hair and found it was soaking wet. Then

she ran her fingers over her body to wipe off some of the sweat and then

knelt up straight, smiling. She said, "Dan, I think I'm starting to get

the idea. You're absolutely unreal! Are you sure you're Irish? No

Irishman can possibly have either your sensitivity towards a woman or your

extraordinary touch. But you sure do!" Then she looked at Cindy and

grinned, saying, "Now I guess I know why you always look so well loved!

It's just because you are." Cindy just grinned back, nodded her head

vigorously and then snuggled closer to Dan.

His stroking began again. This time, he took her up faster -- Kelly

realized she was still sensitized. Again he took her to her crest... And

stopped. Remarkably, he still had not even touched her cunt. Now he did.

His finger entered her slit and she spread her legs even wider for him.

She could feel him find her little love bud and stroke it gently. Kelly

realized she was making noises but had no control over it. In fact, she

had no control over anything. All sensation was concentrating in her cunt.

Again he took her right to the point of release, and again he stopped.

This repeated through more cycles than she could count. She was shocked to

realize she was crying! Tears were streaming from her eyes. Vaguely she

realized she must look like a complete mess but didn't care about it at

all.

Finally, she could take it no longer. She screamed, "Please, Dan!

Please release me. I'm begging you!"

He asked softly, "Are you sure, Kel? You'll lose the bet, you know.

You really don't want to do that, do you?"

She completely lost control. She began to cry uncontrollably and

screamed, "Please, Dan! I'm begging you. I'll do anything for you...

absolutely anything! Please!"

Dan's hand began to move on her again. This time he took her up to her

release point and then over. Suddenly, Kelly could feel a release of

fluids in her cunt that gushed out as if she were urinating, flooding his

hand. Now he pinched her clit and instantly she had another orgasm. He

had not altered his tempo, but now had her where he usually had Cindy: in a

continuous orgasm.

Kelly couldn't take it. She was crying and screaming while her pelvis

was shaking uncontrollably. Then she pitched forward on the bed with her

knees under her body but still spread wide to provide Dan with easy access

to her cunt. All sensation was in her loins. She had never dreamed there

could ever be such an experience. In spite of her total absence of

control, she didn't want it ever to end. Gasping for breath, she could

scarcely even breathe. After fifteen minutes of ecstasy, Dan pinched her

clit hard. It was the last straw. Kelly felt an explosion in her loins as

her body seemed to be trying to empty out her love juices. She couldn't

take the additional sensory stimulation and fainted.

Cindy said softly, "She's such a beautiful girl! What did you think,

Dan?"

He grinned and said, "When are you going to let me do that to you?"

"I get the whole cock, darling, but the result is the same. She is

exquisite, isn't she?"

"Honey, Kevin Cavanaugh is going to be a very lucky... and very

tired... man! She's utterly spectacular!"

With a grin, Cindy scrambled down to the end of the bed. With help from

Dan she rolled Kelly on her back and knelt between her legs. Lowering her

head, she began to lick the love juices that now flooded the girl's vagina.

Then she raised her head, licked her lips and said, "Yum! Dan you have to

try this. I'll bet you've never had the chance to eat a virgin cunt
before. Merry Christmas, honey! I hope you like it."

Dan grinned back and took Cindy's place. He quickly agreed that Cindy

was right. Kelly's juices were a wonderfully sweet nectar. He raised his

head and motioned to Cindy who grinned and agreed to change places.s Then

Dan lay on his back between Kelly's widespread legs while Cindy knelt over

him and lowered her cunt to his mouth. Now, while she was eating Kelly's

cunt, Dan was eating hers. Cindy ran her tongue carefully up and down the

girl's slit and then into her vagina. Meanwhile she was feeling the most

exquisite sensations from Dan's work on her. She began to tease Kelly's

now-erect clit with her tongue and heard the girl moan with pleasure.

Kelly had regained consciousness and loved the exquisite sensation.

Looking down, she saw Cindy kneeling between her legs while further down on

the bed Dan was on his back licking at Cindy's cunt. Cindy bit down gently

on her clit and Kelly suddenly came again in a flood. Again Cindy licked

up all of the delicious fluid and then flipped her head to use her long

golden hair to dry Kelly's crotch. Kelly grinned as she saw a look of

surprise on Cindy's face followed instantly by her scream of ecstasy;

obviously, Dan had taken her to orgasm, as well.

Cindy straightened up. She was straddling Dan's body so she spun around

and then moved further down to be able to kiss him. After she did, again

feeling the normal electricity flowing between them, she said, "Thank you,

future husband. That was marvelous." Looking up at Kelly she said, "Kel,

you're absolutely delicious!" Looking thoughtful she added, "I'm giving

serious thought to becoming a lesbian. Do you suppose Kevin would mind if

you had a live-in girl friend? You taste so sweet and you don't destroy me

the way this big lug does." Then she daintily stuck out her tongue at Dan

who just grinned.

Kelly went to pull up her legs and winced in pain. She looked down at

Dan and asked, "What did you do to me? I thought I was in great shape,

Dan, and all you did was run your fingers over me. What happened?" Then

she grinned and said, "I lost the bet, though. What was it? Am I now your

slave?" She ran her hands through her hair which was now tousled and wet

with perspiration, then ran them down her still-sweaty body. She looked

woebegone as she said, "I guess I'm a real mess, aren't I? Dan, I'm not

even sure you would have me as your slave."

Dan sat up in the bed, smiled at the girl and asked, "Kel, how was it? I

guess you found out you can have an orgasm. And I think you look lovely.

You're like a redheaded Cindy: a true natural beauty. All I can say is,

Kevin Cavanaugh is a very lucky guy."

The girl just rolled her eyes and said, "Thank you, Dan. And I really

mean it, too. I never knew anything could possibly be this good. _Ever!_

And this was without you even getting near my vagina. Can it possibly ever

be any better?"

"Much!" Cindy replied emphatically. "Kelly, I think you're going to be

a simply gorgeous bride! When you're in bed with the man you love, it is

simply joyous. Just think, you're trying to make a baby. Kelly, I agree

with your doctor: You're going to be one hell of a mother!" Then she

frowned and said, "Slave Kelly, did you come in here this morning for some

worthwhile purpose? Coffee, perhaps?"

The girl let out a little yelp and jumped out of the bed, finding her

legs almost collapsing on her. She recovered and poured coffee for Dan and

Cindy who had both returned to the head of the bed. Kneeling by the

bedside, she served them both. Cindy said, "Slave Kelly, bring your cup

and join us. And Merry Christmas!"

They drank the coffee with Kelly sitting on the bed. Then she looked

down and found the little bow she had worn on her pubic hair was missing.

Cindy and Dan both laughed as the lovely redhead crawled around the bed on

her hands and knees searching for it while her lovely little ass was

sticking up high in the air. She let out a little yelp when she found it

and pinned it back in her pubic hair.

Then she smiled warmly at Cindy and Dan and asked, "Cindy, are you sure

it's better with a man? With a cock in your cunt?" Cindy just eagerly

nodded her head. With a wry smile she said, "I guess I had better be a

little more careful slugging Kevin, then. He might get discouraged, and if

its better than what I experienced this morning, I can't wait!" With a

broad grin she jumped off the bed and raced into the bathroom to take a

quick shower and wash her hair before going downstairs to see about

breakfast. Her hair was still wet when she ran from the room.

Cindy and Dan shared a shower, then dressed and went downstairs. As

they were dressing, they had noticed it had started to snow and the ground

was already white. They found Kelly had supervised the preparation of a

sumptuous breakfast which they ate together with Jan and Pete. The four

were all hugely amused by the sight of four beautiful girls all on their

knees serving while Kelly cooked and supervised. *Chapter 31*

Cindy reveled in driving Jan, Pete and Dan to church in her Mazda GTX.

With its four-wheel drive and snow tires, it was remarkably surefooted on

the snow-slickened roads. She teased the Stewarts about being so dumb as

to buy BMWs which couldn't handle snow or ice under any conditions. Jan

just stuck out her tongue and said it was fortunate they had a house slave

to handle details like that for them.

When they returned home they found the snow had accumulated and was

falling even harder. Cindy ran in to change into her blue jeans and

chambray shirt. Today, though, she also put on a heavy white sweater.

Putting on a parka, she went out to the shed and started up the lawn

tractor, now fitted with a snow blower. In minutes she was clearing the

driveway. Dan came outside also wearing a parka. She grinned and told him

to get his own toys to play with. He grinned back, took out a snow shovel

and shoveled the walk while she finished plowing the drive.

Christmas at the Stewarts was shaping up to be a very big party.

Allison Clifford had organized a family reunion with the whole family
gathering there. Cindy knew most of the people but was introduced to Dave

and Judy Chapman, Steve's parents, as well as Brian and Karen Clifford,

Bill's son and new daughter-in-law. She learned that Karen was Swiss and

that the two were still in college. Finally, Ali arrived with Bill

Clifford. Cindy was wearing a lovely Christmas-red wool dress with her

slave collar. Dan had brushed her hair after they shared another shower,

telling her he loved to feel it. She thought she looked very good as she

made her way downstairs.

When everyone was sitting in the living room, Ali looked meaningfully at

Jan who nodded and then asked Cindy to join them in the library. She

followed Ali and Jan into the room and Jan closed the door. As they sat

down Cindy had a sinking feeling in the pit of her stomach remembering the

first time she had met Ali Clifford: the fateful day at the bank. She had

also encountered her at Kathy's wedding on Maui, but because of the

circumstances, Cindy didn't think that counted. Ali was looking at her

closely and then said, "Slave Cindy, undress, please. I wish to examine

your body."

Jan nodded and Cindy rose from the chair, unzipped her dress and slipped

it over her head. Then she slipped off her bikini and stepped out of her

pumps. Ali asked her to approach closer which Cindy did. She was scared.

Ali's face was expressionless as she studied Cindy's body and then lightly

ran her fingers over the scars. Then she commanded, "Show me your cunt,

Slave Cindy."

Spreading her legs, Cindy rocked her pelvis forward and used her slim

fingers to separate her nether lips. She could feel that she was blushing

with embarrassment at the inspection.

Then Ali said softly, "Daughter Janice, you really did a job, didn't

you? Billy told me about it. He had never seen a person so badly beaten in

his life and from what I can see, he wasn't kidding." She looked up at

Cindy's face and for the first time smiled warmly saying, "Cindy, you

better get your clothes back on or you'll catch your death." The girl
quickly got dressed and was then startled when Ali proceeded carefully to

brush her hair and then comb it out. When she finished she said with a

grin, "Jan, I see what you mean. Slave Cindy does cheat. She uses two

bobby-pins in her hair. That's almost the same as wearing tons of makeup,

isn't it."

Cindy returned to her seat while Jan used the telephone intercom. A few

moments later one of the slave girls appeared with a tray and three cups of

egg nog. As she entered the room, she squared her shoulders and

straightened her back causing her breasts to thrust upward. The girl was

one of the newest hires in the bank and didn't yet have her slave collar.

Like Kelly, she was just wearing a big red bow in her hair and a small one

pinned to her small neat patch of dense and curly pubic hair. Her name was

Cathy Collins. She was five feet eight with brown hair, gray eyes, and

lovely features. The girl was about to leave the room when Ali said,

"Slave, present yourself to me."

Startled, the girl stopped and returned to a position in front of Ali.

She said, "Good afternoon, Mrs. Clifford. I'm Slave Cathy. I'm the

newest person in Slave Cindy's group at the bank." She had put her tray

down and now cupped her breasts with her hands, saying, "These are my tits.

They are not yet full enough and they are much too flabby but I've only

just started to work on them. My cunt is not well developed, but I don't

have a boyfriend yet, either. My ass and hips need work but I think I'll

make it." The girl stood up straight and finished by saying, "I'm so proud

to have been selected for the Special Lending Division and to have the

opportunity to work with Slave Cindy."

Ali asked, "Do you like Slave Cindy? Can she manage a division?"

The girl looked genuinely shocked and replied, "Like? Love is more like

it. She's the most wonderful person I've ever met." The girl's smile was

beautiful as she continued, "Who ever heard of hiring an English major as a

banker? Cindy did. As a matter of fact, Mrs. Clifford and Mrs. Stewart,

you could save yourselves a great deal of money. Not only are we overpaid,

most of us would work for nothing and some of us would even pay you for the

privilege. 'Can she manage?' I think you asked?" The girl was standing up

straight and Cindy was so proud of her as she said, "I can't answer that.

All I know is everyone in and out of the bank worships the ground she walks

on. Just look at her! She's the most exquisitely beautiful human being I

have ever met, yet she's always kind and helpful.

"When I joined the division, I was assigned to Kelly McBride's district.

Do you know what she does? She constantly teases me about numbers. She

says English majors don't know from numbers. Of course, she majored in

English and philosophy and is one of the sharpest bankers alive."

The girl grinned and added, "Mrs. Clifford, I know you own the bank so

I really shouldn't be saying this. But ma'am, this isn't a bank, it's a

club! You can't believe how proud I am today, because now I'll be one of

Cindy's slaves! I've only been in the job a few weeks, but Kelly said I'll

be getting one of the beautiful collars like the one Cindy is wearing now.

You can't believe what a badge of honor that gold collar has become!

"I was with one of the more senior girls last week who had qualified.

(I should add that if you qualify, you _always_ wear it.) We were going

down the street just shopping. It was the funniest thing I have ever

seen... and the most moving. We would go into a little shop and the

storekeeper would see Janet's collar. Instantly, nothing was too good for

us or too much trouble. They couldn't be nicer. I guess I've heard about

the Twins in at least twenty different languages.

"Mrs. Clifford, I know you're from Los Angeles, so maybe you don't know

about 'the twins who aren't.' It was a term created on the streets for

Cindy and April when the division first started. Now we all wear the

division uniform: Levi's and chambray shirts, and if you're really good,

the slave collar. We drive red Mazdas like Cindy's out front. All I can

say is we have an enormous responsibility. Cindy started something and

built it until it's the biggest thing in Chicago. I don't think I'm

exaggerating when I say Cindy and April are worshiped in this city!

"Can she manage? Cindy Martin is the greatest asset Chicago Trust has!"

Then the girl started to blush as she thought she had been carried away.

Ali Clifford reached out her hands and the girl took them, then looked at

Ali's face. What she saw surprised her. She saw enormous warmth and love.

Ali said softly, "I can relate to that, Slave Cathy. I'm senior partner

in a law firm in Los Angeles that's the same way. Of course, we're much

smaller. But one of the new girls referred to it as more of a family than

a firm. We have a lot of fun there, too!" She smiled warmly and said,

"Slave Cathy, welcome to Chicago Trust! I'm personally delighted to have

you with us." She grinned and added, "Cathy, I want a photograph of you

taken three months from now. You'll be a knockout!" The girl retrieved her

tray and left the women alone.

Now Ali turned her attention to Cindy and glared at her -- or pretended

to. She said, "Slave Cindy, I thought I had seen everything, but you take

the cake. First, you know we bought Chicago Trust just to fix your wagon,

but boy, did you ever get revenge! Cindy, do you know what my biggest

problem is?" The girl just shook her head, obviously puzzled. Ali answered

her own question: "It's trying to spend all the damned money we accumulate.

I know you've heard Jennifer complain about it, and I'll bet Jan has, too.

So what do you do? You personally make sure that the biggest moneymaking

investment I've ever made in my life was to buy Chicago Trust! Girl, you

really know how to get even, don't you. Now what are we going to do with

you?"

While Ali was speaking, Jennifer Chapman had slipped into the room

joining her mother and her sister. Ali continued, "I guess the only thing

we can do is to try to cut our losses." She looked at Jennifer.

Jen reached into her purse and took out some papers which she passed to

Cindy saying, "Cin, these are your notes marked 'paid in full.' Darling

Cindy, I almost get sick every time I see those terrible scars on your

body. You certainly did pay in full." Then she grinned and added, "The real

reason we're giving the notes back is that the last thing we want is any

more money. By the way, this fully discharges your indenture to Janice,

too. I guess you'll want to be leaving tonight, won't you?"

Cindy was in a state of shock. She didn't know what to do. Suddenly,

her little world had been turned upside down. Tears started to stream from

her eyes but she got up and stumbled over to the sofa where Jan was sitting

and went into her arms. Suddenly, she started to sob like her heart was

broken. Jan held the girl tightly and said, "Sis, it's going to be fine.

You don't have to go now if you don't want to. It's just that you're free

to go whenever you wish. Cindy, you do know I love you, don't you?" Cindy

just snuggled in Jan's arms.

Tears came to Ali's eyes as she watched the beautiful girl. _Jan's

right,_ she thought. _This girl is really something very special._ Then

she said softly, "Cindy, there's more. I know Jan talked to you about

those scars. Cindy, please! I'm personally begging you. Let us pay for

an operation to have them removed. You're the most beautiful girl it has

ever been my good fortune to see. I can't stand to be reminded of what we

did to you. Please?"

The Clifford women were startled by what followed. Cindy disengaged

from Jan's arms and ran out of the room. Moments later she returned with

the whip coiled in her hands. It's tip was still stiff from all her blood

that had soaked into the leather during her brutal beating in May. Giving

it to Ali, she quickly stripped off her clothes again and knelt on the

floor with her scarred ass up high. With her head cradled in her arms she

said softly, "Mrs. Clifford, the last time I was disobedient I received

ten lashes. Does twenty sound right?" Ali could see tears flowing from the

girl's eyes as she added, "Unless you would rather I go outside to the

whipping post, of course?"

Ali dropped the whip, jumped from her chair and dropped to her kees next

to the kneeling girl. She took Cindy in her arms and held her tightly. As

she did, Cindy could feel a wetness on her cheeks that was not from her own

tears. She moved away and found the older woman was crying like her heart

was broken. "Please, Mrs. Clifford," she whispered. "Please don't cry.

What did I do? I really can't have the scars removed for reasons I

explained to Jan, but I _am_ being very disobedient." She smiled wryly and

said, "Actually, that was the beginning of my change for the better. Maybe

I would be much better off if you did whip me. It certainly helped me the

first time."

The older woman replied softly, "Cindy Martin, damn it, the name is Ali.

Whenever you say, Mrs. Clifford, I look for Bill's mother, but she's

dead!" She grinned at Cindy and added, "Back at the office in LA we have a

whip for slow learners. A slow learner is defined as anyone who calls me,

Mrs. Clifford, or my partner, Ginger, Mrs. Conrad! And, damn it, I'm not

above using your whip for that purpose!"

Cindy looked at the woman on her knees next to her. She knew from

Janice that Ali Clifford was thirty-seven, but she looked to be in her

early twenties. She remembered seeing her at long range on the nude beach

at Maui and knew her figure was perfect. She wiped her eyes with the back

of her hand and smiled, then stuck out her hand saying, "I'll make a deal

with you. I'll call you Ali if you knock off the shit about the scars.

Okay?"

Ali grinned and took her hand in a firm grip saying, "Okay, damn it,

it's a deal." Then she shook her head and said, "However, we're not

finished with you yet, young lady. Somehow, I am going to get even." Ali

was tremendously impressed with the girl and decided she loved her like

another daughter. They rejoined the others in the living room.

When the group gathered to open their Christmas presents, there were

some surprises. Cindy gave Dan the nude portrait of herself that Jim Vance

had painted. She pointed out that she would be keeping an eye on him in

his office. She had entered Dan's office with Jim one night and he had

taken careful measurements of the wall and the location of Dan's desk. The

result was that her eyes in the portrait were focused precisely on the

point behind his desk where his eyes would be when he was seated behind it.

She liked the portrait because Jim had caught and depicted her love for him

and the wanting for him that she always felt.

Judy Chapman presented a large box to her husband, Dave. Opening it he

found it was a Vance portrait of herself. Similar in pose to others, she

was semi-reclining and nude. Steve Chapman looked over his father's

shoulder and whistled saying, "My God, Dad! mom looks delicious. I hope

you're enjoying her charms."

Dave looked up and grinned. He said, "Son, it's mostly your wife's

fault. She's been working out with Judy at the health club and this is the

result." Looking across the room at Jennifer he said, "Daughter, you're the

best thing to happen to the Chapman family in years. My son gets the most

beautiful girl in the world as his bride, and I enjoy the greatest sex life

since I first met Judy." He looked at his wife and said, "Darling, thank

you... for everything! What do you think?"

Judy sat on David's lap and put her arms around his neck. Then she

kissed him with ever-increasing passion. Pulling slightly away, she had

her head on his shoulder and whispered, "Darling, the best will come

tonight. Do you like the picture? I do. I think it shows my love for

you... at least, I hope it does." Dave just held his wife tightly and

heard her make wonderful happy noises.

Janice gave Cindy and Dan two packages, a tiny one and another somewhat

larger attached together with a small ribbon. The larger was for Dan while

the smaller was for her. He opened his and found one hundred

hundred-dollar bills -- $10,000 in cash. Along with it was a note

indicating she was paying her wager from months before when he had bet her

that Cindy would be able to make character loans. Jan agreed that she

certainly could. When Cindy opened her tiny package, she laughed. In it

was a lump of coal along with a note from Jan saying, "When my house slave

costs me $10,000, what the hell can she expect?"

Peter opened his gift from Janice. It was also in a small box. Opening

it, he found a tiny pair of baby booties she had knitted. He looked at Jan

and she nodded her head while there was a beautiful smile on her face.

Pete's jaw dropped as he instantly understood the significance of the gift.

He hugged her and kissed her warmly. She whispered, "Darling, I'm really

your wife now. I guess the past is finally dead and buried. We're going

to have a baby in the summer!"

Pete lifted her effortlessly in his arms and sat down with her seated

across his lap, then kissed her with increasing passion. "Darling, I

couldn't possibly be happier!"

The others came crowding around to congratulate them. Connie

Cartwright, now in the sixth month of her pregnancy, was only beginning to

bulge. She kissed them warmly and whispered to Jan, "Sis, you're a

copycat."

Jan gently ran her fingers over the girl's swelling abdomen and said,

"Connie, I only hope I can carry as well as you. How do you feel?"

"Simply marvelous!" she replied. "So far it hasn't interfered with our

love life." She grinned and added, "It does feel odd, though, to have Chip

inside me and to feel the little guy kick at the same time! I'm getting it

from two directions at once, but it is kind of nice." Connie Cartwright was

a silver blonde with brilliant green eyes. She had paid for much of her

education by working as a stripper on Sunset Strip. Because she spent so

much time lying naked in the sun, she had a perfect golden tan, while her

hair had been sun-bleached almost white.

She looked at Jan and smiled warmly saying, "I can't tell you how

glorious it feels, Jan. I really can't. In spite of... or maybe because

of... the swelling, Chip now likes to rest his head on my abdomen and

listen to the baby. While he does it, of course, his fingers are playing

with my cunt." She looked at Jan and added, "You know, this is what it's

all about. For months he has been putting his magnificent weapon into my

vagina, and now in just a few months the product of his sex and mine will

come out and greet the world.

"When all the career bullshit is stripped away and we _really_ go back

to nature the way the tree-huggers advocate, isn't this really what we're

made for? Do you know, Jan, I have never felt so good in my life and Chip

claims I have never looked so beautiful. I can't wait, and neither can

he." *Chapter 32*

The last-minute preparations were all set for the feast Cindy had

planned and prepared. Although Jan had cooperated with her on the hors

d'oeuvres, the dinner was entirely Cindy's. She had planned it, purchased

the food with her own money, and prepared it. In spite of her teasing, it

turned out that Kelly was a very good cook and, working with Cindy, had

become much better. Kelly was going to personally handle the final

preparations so Cindy could remain seated.

The girls who were going to serve lined up in front of Cindy for

inspection. She noticed that Cathy Collins put her shoulders back and

thrust her breasts out. When she looked at the girl with a raised eyebrow

Cathy said, "Cindy, I'm not yet used to being naked in front of other

people. My body isn't yet in the shape it ought to be and I guess I'm not

proud enough of it. I'll just have to try harder."

Then she grinned and added, "Looking at my friends provides a lot of

inspiration. My coloring is sort of ordinary, though. My God! I look at

Kelly and just shake my head in amazement. She's absolutely glorious! If

I had a body like hers, I don't think I would ever put on a stitch of

clothing, even when it's snowing the way it is now. No wonder she looks so

proud!" She looked at Cindy and asked, "Do you think there's any hope?"

Cindy just grinned and said, "I think I'm going to make an addition to

the Division's uniform. Collins, I think you should wear your Phi Bete key

pinned to your left nipple. I found out the other day that about

two-thirds of our people were elected to Phi Beta Kappa so it will

generally apply. What do you think?"

Cathy just shook her head sorrowfully, cupped Cindy's breast through her

dress and said, "I thought it was a fine idea at first, Cin, but you have

the most beautiful tits in the world with the most lovely little nipples.

It would be a shame to put a pin through the left one. And of course, if

we had to wear our keys, you would, too, wouldn't you?"

Cindy just shook her head, grinned wryly, and then inspected the other

girls. Finally, after confirming all of the arrangements with Kelly, she

went into the dining room where she found that the seating plan had been

rearranged. She was seated to Peter Stewart's right in the place of honor.

When she protested, Jan insisted. Looking around the table she realized

that it was the entire Clifford family, along with her parents and Steve

Chapman's.

The first course was glaceed breast of pheasant stuffed with foie gr…s

served with a lovely Chardonnay. The entree was filet of beef Wellington

with a beautiful 1959 Chateau Mouton Rothschild. After everyone was

served, Ali Clifford, who was seated in the middle of the table, raised her

glass. She said, "I would like to offer a toast. To Cynthia Katherine

Martin: Cindy, never have I seen or heard of a person like you. I owe you

a little explanation, though. I know, for example, that you were fighting

to ensure that April Jefferson received the highest bonus awarded in the

bank this year. I know why you wanted it. The fact is she has received

_one of the highest_ bonuses paid. We couldn't give the highest bonus to

her, Cindy, because we had to give it to you.

"Without you, Cynthia Martin, there would be no Special Lending

Division. April is the first person to say so, too. Yesterday she told me

what I know she has said in public many times before: 'Cindy Martin is the

best there is!' She went on to say that you have taught her everything she

knows. I don't for a minute want to take anything away from April, or, for

that matter, from my daughter, Kathy, or Kelly McBride. But they all say

it: You train, coach, encourage, but most of all, you set an example. I

hear it over and over. 'We try to be like Cindy. We can't, of course, but

in the process of trying, we become far better than we ever dreamed we

could be.'

"There's more: I happen to know that all of the money you've spent on

gas, tolls, parking, and everything else, has come out of your babysitting

money."

Now tears were flowing from Ali's eyes. She was standing at her place

looking down the table at Cindy. She grinned wryly and said, "Martin, this

is absolutely ridiculous! As a result, I have a few things for you.

First, there's a small check for back pay. You're now earning $350,000 a

year, as of December first. With the calculation of your bonus on your

actual salary, there's another $700,000 representing your year-end bonus.

Since you were making $110,000 in May when the fun began, we charged you

with one week's vacation, then a raise on July 15 to $150,000, on September

15 to $200,000 and then to $350,000 on December 1." She glanced down at the

checks in her hand and exclaimed, "Whoops! I almost forgot. In November

there was a 100 percent bonus paid, so here is a check for another

$200,000.

"That's not all, Cindy. I desperately wanted to adopt you as a

daughter, too. Unfortunately, you not only have a father, but you have a

brand-new mother, as well. (Their love for each other makes Bill's and

mine look like puppy love.) So that isn't going to work. It was a puzzle,

but Bill and I solved it. If you can't be our daughter, we'll settle for

your being our daughter-in-law."

Now Ali grinned and with an expression of glee said, "What's wrong with

you bankers, anyway? Don't you _ever_ read anything before you sign?" She

looked at Dan who had been looking increasingly puzzled and said, "Burke,

you signed a few things for Jennifer at the last board meeting. One of

them was this." She reached under her napkin and took a single sheet of

paper and passed it down the table to him. "You signed it, and now it's

official. Dan, welcome! You're now the adopted son of William H.

Clifford and Allison M. Clifford."

She hurried around the table to stand next to him as he rose from his

seat with an expression of utter amazement on his face. Ali said softly,

"Dan, will you please give your new mother a kiss?"

Dan took her in his arms and kissed her sweetly. When he released her,

her eyes were glazed and she was unsteady on her feet. She shook her head

and exclaimed, "Wow!" Then she grinned and said, "I'm beginning to think

I've been wasting my time adopting daughters. If I knew mothering boys was

so much fun, we would have done this more often." While she was speaking

she returned to her seat. Then she looked at Cindy and said, "Young lady,

we're not through with you yet. You see, we need to avoid nepotism, and I

told you earlier I would find some way to get even. Well, our idea isn't

great, but it's the best we could come up with, so I guess it will have to

do. Cindy, I have something else for you."

She passed a paper down towards the girl and said, "This is a stock

certificate for 15 percent of the stock of Chicago Trust Company. It's

yours. We have now acquired all of the previously outstanding shares so

about four percentage points are the newly-acquired shares and the

remaining eleven were Bill's and mine. You're now the third largest

shareholder and the largest individual owner, since ours and the Chapman's

are in joint names.

"One final point: I seem to have heard something about a promised bonus.

The story I heard was that there was a loan transaction last spring

involving some small company in the area. I gather it was a $20 million

loan sold for a premium of 20 percent, or $4 million. You were supposed to

get a bonus and it was never paid."

While Ali was speaking, Cindy's face fell and her tears started to flow.

Then Ali slid a check down to Cindy in the amount of one million dollars,

one-quarter of the purchase premium. Cindy looked at the bonus check, but

then broke into uncontrolled sobbing when she saw the amount. She tried to

focus on Ali but, with her tears blinding her, could see nothing.

Nevertheless she said, "Ali, this is typical of the morals and ethics of

Cynthia Martin. Thank you for reminding me."

She tried to smile but couldn't even manage a weak imitation as she

continued, "Ali, I understand now what you meant about getting even. You

just did. I would far rather have you whip me to a bloody rag than to

torture me with this. What did I do? Not much. I just arranged for the

nicest person in the world to be sold into slavery to a man she detested,

giving up her husband who she loves more than anything in this world." In

spite of her anguish, Cindy's head was held up straight. The others at the

table could feel the pain the beautiful girl was suffering.

Cindy jumped up from the table and ran into the kitchen, returning

moments later with a pen. The others looked at her with facial expressions

ranging from sympathy to amazement. She looked down the table at Janice

and asked quietly, "Jan, what's your favorite charity?"

Jan's eyes widened as she realized what Cindy intended to do. She

exclaimed, "Cindy, you can't possibly! That check is for $1 million!

Honey, this is a joke. We didn't want to hurt you. mom thought it would

be a small way of repaying you for all of the wonderful things you've done

for the bank and for us over the last six months. Please?"

By now Cindy's tears had stopped flowing. She had just looked at Jan

impassively while she was speaking and then quietly repeated, "Your

favorite charity?"

"Catholic Charities, I guess, honey. But please don't!"

Cindy carefully endorsed the check to Catholic Charities of Chicago and

put it under her napkin saying, "I'll mail it tomorrow, Jan, with a note

that it is a gift in the name of Janice Carson Stewart. Jan, I'm so sorry!

Can you find it in your heart ever to forgive me?"

Jan rose from her seat and hurried to the end of the table. When she

went to her knees, her head was level with Cindy's and she held the girl
tightly to her, whispering, "Darling Cindy, forgive? What's to forgive? I

got a new mother and a husband who I now know loves me. I'm going to be a

mother. Darling, most of that's your fault, too. Cindy, we love you so

very much!"

Cindy smiled at Jan weakly and said, "Jan, there are no words to express

my love for you and my gratitude for all that you and Pete have done for

me. I really don't want the money. I'm going to do it anyway. Maybe it

will help some people who need help."

Still standing at her place, Ali had watched the scene without saying

anything. Now she said, "Cindy, Jan and Pete are absolutely right. You're

a great person. For myself, I want to apologize to you. It's well known

in LA that while our hearts are usually in the right place, we often have

the sensitivity of clams."

She smiled warmly and continued, "Now a personal word. When Billy came

back to Los Angeles after treating you he was almost physically ill. He

had never seen a person whose body had been as abused as yours with the

possible exception of Bill Cartwright. But he pointed out Bill had been

getting it for fourteen years. You got yours in just two days.

Nevertheless, while you were lying in the bed in utter agony, you insisted

it was all your own fault. The look you gave to Janice was one of

incredible love." She looked across and asked, "Billy, do you want to say

anything?"

The young doctor looked down the table at Cindy and said, "Yes, I do.

Cindy, I'm focusing now on trauma as a result of treating you. I _know_

how agonizing your pain was. Yet you wouldn't let me give you morphine.

In fact you wouldn't take anything stronger than aspirin. Cindy, to this

day I don't know how you did it. Your bravery and courage has been a

constant inspiration. I just want you to know that."

Ali continued: "Then you organized the Special Lending Division. Dan

said you could do something that has never been done effectively in banking

before, and you did it. We _know_ we have the most effective group of

banking professionals in the industry. We know you recruited them, trained

them, and inspired them. Finally, a word about this dinner: I fell in love

with Janice in Los Angeles, in part because of her cooking." She looked at

Jan with an apology and then said, "Jan prepared a dinner like this for

Bill, Pete, and me out there. Cindy, this is better. I don't know how it

could be, but it is. What did you do?"

Janice spoke up from the head of the table before Cindy could respond.

"Mom, it's simple. This is a work of love for Cindy. I don't know why,

but she loves me and loves us. Because we give her nothing except scars,

she has limited ways for expressing her love. This is the way Pete and I

have been eating for months." She looked at Ali and tears were flowing from

her eyes as she added, "That's right, Mom! Months! And during those

months she was organizing and managing the Special Lending Division. She

refused any help. Not only did she do everything she had previously done,

there were always little surprises for Pete and me. Mom, this dinner is an

expression of her love and that's why it's so much better than I could do.

Finally, I guess you all know now that Cindy has been receiving no money at

all for any of the work she has been doing, either here or at the bank.

Nevertheless, she not only prepared this dinner, refusing any help at all,

but she paid for it all from her babysitting money."

Ali said, "I guess that's about it. Except there's one other small

thing... I guess it's a sort of a present. Dan?"

Dan got up from his seat and went to Cindy. He went down on one knee

and said, "Darling, I know this is a little public, but these are all

people who love you. Honey, I think I love you most of all. I adore you,

Cin, and want you to be my wife and the mother of my children. Cindy, will

you marry me?"

Cindy had been in a daze. She couldn't fully absorb the change in her

fortune. Now Dan was down on one knee beside her. She reached out and

took him into her arms and hugged him tightly saying, "Oh, God, Dan! Of

course I will. But honey, are you sure? I'm beat up, and I used to be a

gold-plated bitch. I'll marry you on one condition: We'll keep the whip

and you must promise me you'll use it if I ever need a reminder of what I

was. Will you promise?"

"I promise, darling," he whispered as he held her tight. Then he

released her and reached into his pocket. He took out a magnificent

diamond solitaire ring and slipped it on her finger. Then he took her in

his arms and kissed her. The kiss achieved a new dimension as their love

for each other flowed between them. Dan brought his chair down so he could

sit at the end of the table beside Cindy.

She said, "Dan, thank you." Then she pretended to glare at Ali, saying,

"It's all very well for you to talk about my dinner, Allison Clifford, but

in the meantime it's getting cold! Can we eat now?"

When the magnificent dinner was over, Kelly looked out the window and

then turned on the radio to an all-news station. As she had feared, the

snowstorm had developed into a major blizzard and the highway department

was urging all motorists to stay off the roads. Accordingly, it was agreed

that everyone would sleep at the Stewart's. Fortunately, Jan had a number

of new double sleeping-bags so there were enough for everyone. Because of

the storm, the evening was shaping up to be fun.

Over their protests, Ali and Bill Clifford were given one of the spare

bedrooms with Jan insisting that now that they were about to become

grandparents, they needed their rest. Cindy picked up on the comment and

whispered in Jan's ear. The girl grinned gleefully and then spoke quietly

to her sisters. The result was that at eleven o'clock, after everyone had

retired, the girls carefully opened the door to Bill and Ali's room. As

they expected, they found the two making love.

Cindy's eyes widened as she realized how exquisite Ali's body was: she

looked like a girl in her early twenties rather than a woman of

thirty-seven. Bill took Ali to her peak and, as usual she fainted. At

that point the girls made their presence known. Jan jumped on the bed,

spread her mother's legs, and then began to lick out the juices from her

cunt. While she did, Kathy Cartwright went down on her father to clean him

off.

Initially, Bill was surprised when he realized the room was full of

beautiful naked women. Then he just leaned back and enjoyed his daughters'

attentions. As Ali began to recover consciousness, she sensed something

out of the ordinary. Although Bill usually lapped up her cunt, this felt

different. Looking down, she saw Jan's golden hair while the head moved on

her loins. Ali reached down and stroked Jan's head as she came suddenly to

another orgasm.

After licking up the new cuntal flow, Jan sat back on her heels and

grinned, saying, "Mom and Dad, we have something for you, in view of your

advancing years. In the interests of our children, we need to protect

their grandparents."

As she said it, Joan Clifford, who had worked her way through Cal Tech

as a topless cocktail waitress, came forward with a small silver tray. On

it were two glasses of warm milk and a little plate of Christmas cookies.

She said, "Mom, I understand that it gets harder to fall asleep as you get

older and the libido fades, so we want to take care of you. We understand

elderly people fall asleep easier after a glass of warm milk."

Ali had pulled herself up to the head of the bed and was resting against

Bill's shoulder. She just shook her head in mock sorrow and said,

"Darling, I'm afraid it's all over for us. We have now been formally

certified by our daughters as being over the hill!" She looked at him

warmly and asked, "Bill, promise you'll push my wheelchair next week?"

Then her expression changed dramatically as she looked at Bill and, to

the amazement of the girls, tears came into her eyes. She said softly,

"Darling, there's one more gift I have for you, but it won't be delivered

until next summer. Do you mind?" Her face fell and she looked apprehensive

as she added, "Darling, I didn't have the nerve even to mention it to you

before."

Bill looked at her, puzzled. He had never seen this new look in Ali's

eyes before, yet it appeared to be a look of incredible love. He replied,

"Of course I don't mind, darling. Can you tell me what it is, though?"

Her flow of tears had, surprisingly, increased. She said, "Darling, I

don't know how you're going to take this, but I'm going to be a mother.

The delayed gift, Bill, is a baby." Now the tears were really flowing as

she asked very softly, "Do you mind very much?"

When he heard the words, Bill Clifford lit up like a Christmas tree. He

said, "Darling, you're not kidding, are you?" She shook her head. "It's

really true?" This time she nodded vigorously. He took her in his arms,

hugged her tightly, and kissed her with incredible love and passion saying,

"My darling, I don't know what to say! I'm overjoyed. But why didn't you

tell me? What happened?"

Ali eased away from him just enough to be able to focus on his face.

Then she said, "Bill, when I saw Connie start to blossom I made up my mind

I had to try to become a mother so I stopped taking my birth-control pills.

I saw the doctor just before we left and he confirmed it."

Then she brightened and laughed, "Guess what? He started to change the

date of birth on my chart. He thought the year was a typo: he had my age

as twenty-seven, and said he didn't believe I was even that old. Can you

imagine? He said I look like I'm in my mid-twenties." Then her face became

serious as she said, "You know what it means, though, don't you? We will

have a grandchild older than our own son or daughter. Incidentally, the

doctor asked me about running a test to determine the sex of the baby.

Honey, I said no. I want it to be a surprise. Do you mind?"

Meanwhile the girls had been looking on in utter amazement at the

revelation. Then they started to crowd around and kiss and hug their

parents. Finally, Ali looked up at Connie who, being nude, showed the

expanded abdomen of her pregnancy. Ali asked her to get up on the bed and

she did, kneeling between her parents. Gently, Ali ran her slender fingers

over the bulge and asked Bill to do the same. She said, "Darling, this

will be me in a few months... I hope! Isn't she beautiful?" Bill agreed

she was.

Ali continued: "Connie, I heard you say earlier something that was

utterly beautiful and so true! You said this is really what it's all

about. Bill puts his magnificent weapon inside me and cums in a flood.

Then after nine months, the product of his sperm and my egg, now a baby,

comes out the same way his cock went in." Looking at Bill she said,

"Darling, I'm so glad you're not angry."

_"Angry?"_ he exclaimed. "How, in the name of God, could I possibly be

angry. Ali, you have just made me the happiest man on earth! Honey, I

love Jen and Billy and Brian very much. On the other hand I love you to a

degree that surpasses understanding. Occasionally, late at night, I'll

wake up and wish you could have a baby. With your brains and beauty, I

thought a baby from your loins would be very special. Now we're going to

see. Darling, thank you."

The girls left the room even happier than when they went in.

On the way back to her room Cindy peered out the window at the snow

still falling heavily outside. It was now being driven by a rising wind

and was drifting heavily. Now that the forecast blizzard had arrived, no

one would be going anywhere the next day. *Chapter 33*

The Stewart home was quite large with five bedrooms, of which only two

were normally in use, the master bedroom and Cindy's. Because of the large

number of guests, Bill and Ali Clifford had been given one of the spares,

Don and Mary Martin had another, while Dave and Judy Chapman -- Steve's

parents -- had the last. The rest of the younger guests and the girls who

were working at the house unrolled sleeping-bags on the first floor. The

girls from the bank were sleeping in the kitchen with Kelly and Cathy

Collins sharing a sleeping-bag. When the girls zipped up the bag, Kelly

who was lying on her back, stretched luxuriantly.

Cathy asked, "Why do you look like the cat that swallowed the canary?"

Kelly smiled warmly and replied, "Because this morning I reached the

first orgasm of my life! It was heavenly!" Turning on her side to look at

the new girl she said, "Can you believe a woman can cum _for fifteen

minutes?_ It's true. I've seen Cindy but I thought it was just her. This

morning Dan Burke worked on me and I did it, too." The tall redhead

stretched again.

"But Kelly," Cathy protested, "I thought you were a virgin and were

saving it for Kevin?"

"I am and I am!" she replied. "That's one of the things that's so

amazing. I don't think Dan even touched my vagina. He just stroked my

breasts, my inner thighs and my slit. Of course, he certainly did work

over my clit!"

The new girl looked at her in amazement saying, "Do you mean... But...

I thought you had to... with a man...?"

Now Kelly began to giggle and hugged Cathy closely. She found that the

girl smelled sweet and fresh with her only perfume being that of her body.

She kissed the girl lightly and whispered, "Do you feel like trying an

experiment?"

Cathy looked puzzled but nodded shyly. Although there were no lights on

in the kitchen, there was enough light reflecting in from the snow-covered

ground that she could see a grin on Kelly's face as she said, "Great!

We'll do it first thing in the morning. From the looks of the snow and

what they're saying on television, we'll be staying here for a while."

The next morning Kelly stretched in the sleeping-bag and found that she

felt great. Looking over at the girl beside her she smiled warmly seeing

the very innocent look on the girl's face. After savoring the warmth of

the sleeping-bag for a few more moments, she gently stroked the body of the

girl beside her.

Cathy's eyes instantly opened. She blinked and smiled, then stretched.

Cathy said, "Kelly, that was really great! I can't recall sleeping so well

in years." With a small grin she added, "Can I give you a letter of

recommendation as a sleeping-bag companion for a cold winter's night? But

should I address it to Kevin or 'To whom it may concern'?"

Kelly returned the grin and poked the girl in the ribs. "Collins, the

world really doesn't need another smart-ass! Come on, let's get to work.

There's a lot to do today."

She unzipped the bag and quickly started to make coffee. When a tray

was prepared, she and Cathy went up to Cindy's room. Again, just the

slightest sound of the door latch moving was enough to awaken her.

Cindy opened her eyes and saw Kelly and Cathy entering the room. As

usual, Dan's hand was cupping her tit. When she gently squeezed it, he

opened his eyes. Cindy was still wearing her engagement ring and held her

left hand out straight to admire it. Then she rolled over to lie face down

on Dan's chest. She lowered her mouth to his and kissed him warmly and

then with increasing passion. "Good morning, my husband," she whispered.

Then she grinned and added, "Of course, now that I have my diamond, I don't

really need you anymore. I already have all I really want out of the deal

shining on my third finger."

Dan's eyes were dancing as he gently ran his fingers over her scarred

buttocks. As he did, Cindy made happy noises deep in her throat. He

asked, "Can a ring do that for you?"

Picking up on his game, she replied, "Of course not. But I'm just

making myself available to you. It was part of the price I had to pay to

get the ring. After all, I'm just accommodating your male sex drive."

Adopting a haughty look she said, "And, Daniel Patrick Burke, it's a

well-known fact that women don't need sex. We just accommodate men."

Dan just shook his head sadly, saying, "Cindy Martin, here I thought you

were a smart girl, but I guess you're a slow learner, though. young lady,

kneel on the bed facing me."

Kelly whispered to Cathy, "My God! You're going to see what happened to

me yesterday, but it's going to be much, much worse for Cindy! Just

watch!"

Cindy knew what Dan had in mind and what was in store for her, but she

did exactly what Dan had asked. She knelt on the bed holding her back up

straight, but with a very bored look on her face. Placing her left hand on

her thigh, she appeared to be concentrating on the diamond on her finger,

moving her hand slightly to cause the diamond to catch and refract the

light.

While she did that, Dan gently began to stroke her body. As he caressed

her he said, "Do you realize I've never done this to you? As a matter of

fact, it's fun. Darling, you have an utterly magnificent body!"

Cindy continued her playacting. While Dan continued gently to stroke

her body, she shook her head and then combed out her long golden hair with

her fingers, pretending to be bored by the whole thing. She was trying to

avoid giving any sign of her increasing passion. As she knelt beside him,

she realized what fun this was. She and Dan had become incredibly attuned

to each other over the previous six months. Each knew every inch of the

other's body and what the other liked and responded to. Cindy could feel

herself being taken up and up while she fought to maintain the bored

expression on her face. _It's so much fun trying to trick Dan,_ she

thought. She could feel herself about to reach her crest yet he had not

even touched her cunt. All of his attentions had been on her inner thighs

and tits. Now he was stroking her thighs and it was like Heaven. But just

as she was about to achieve her release, he stopped.

Trying to avoid swallowing hard, she concentrated on still trying to

look bored. Dan was amused because, try as she might to conceal it, he

could still see her rising passion in her eyes. He took her through a

second cycle and then a third. The fourth time he lightly stroked her

nipples and she screamed. They had become so sensitive that now his touch

was almost painful. Now he began to work on her in earnest as his fingers

entered her slit and began to work on her circumcised clitoris and the

mouth of her vagina.

Cindy gave up the pretense of boredom and tried to grin. Shaking her

head she said aloud but seemingly to herself, "Martin, when will you learn?

Even a small child knows that a hot stove burns!"

As he worked on her body, all of her sensations were now concentrated in

her loins while her body was writhing in anguish from its unsatisfied

longing. The girls, now standing across the room, heard her moan

incoherently and periodically scream whenever Dan touched her nipples or

her clit. Cathy looked on in amazement when she realized that Cindy's body

was nothing but evenly tanned skin over smooth rippling muscles. There was

not an apparent ounce of fat on her body. Noticing the scars, she

whispered to Kelly who replied that she would tell her about them later.

After trying to maintain her upright kneeling position, Cindy no longer

could and allowed her body to sag forward. Now tears were streaming from

her eyes and it was obvious that she was in an agony of wanting. Finally

she screamed, "Stop, Dan! Please stop. You're killing me. Please release

me, darling..." Her voice just faded away into her tears. Dan ignored her

and kept working on her body. Then he stopped and waited for her to regain

some control.

Cindy slowly became aware of her position: she was folded forward at the

waist and, although still on her knees, was collapsed almost into a ball.

Painfully, she raised her head revealing the tears still streaming down her

cheeks. There was a desperate wanting in her eyes as, trying as hard as

she could to control her voice, she said, "I give up, Dan. I'll do

absolutely anything. I can't stand it, darling. I need you so much...

Please, Dan?" Then she reached down and pulled the ring off her finger and

gave it to him saying, "Dan, I don't want your ring. I just want you. I

need you. I can't live without you. Please?"

Dan wasn't finished with her yet. He said, "Cindy, that's a very

valuable ring. And women don't need sex, right? We both know that. Let's

see... You said you would do anything... Slave, I need you to fuck my

cock with your mouth."

Still crying, Cindy scrambled between his legs and began to work on his

cock, now massive in its full erection. While her mouth began to move up

and down on it, he went back to caressing her body, again bringing her up

towards the crest of her orgasm. Because of all of his stimulation he

quickly spent in her mouth. Meanwhile, she was again going crazy. When

she had swallowed his cum and licked off the last drops, she dried his cock

and balls with her hair, looked up at him and whispered, "Oh God, please...

Dan, I really can't take this anymore. I'm destroyed."

He motioned to her to kneel beside him again. This time he quickly took

her to her peak. Kelly knew that this time he was going to take her over

so she moved quickly. She jumped on the bad, rolled over on her back and

positioned her mouth below Cindy's now-gaping cunt. Dan worked on Cindy

and took her over to her orgasm, then just maintained her there.

Like the terrible night with Pete, Cindy just slumped forward with her

knees still under her body but with her head and shoulders now resting on

the bed as her vaginal juices just ran from her cunt in a steady stream.

Kelly was positioned to catch the juices in her mouth as it just continued.

As much as she caught with her mouth and tongue and swallowed, even more

sprayed her eyes, nose and hair. Kelly was soaked with the succulent

fluid. Finally, Dan pinched Cindy's clitoris. The overwhelming sensation

overpowered her brain and she lost consciousness. Kelly lifted her head

slightly and proceeded to lick out the girl's cunt with her tongue. When

she finished, she used her long auburn hair to dry the girl and then slid

out from beneath her. Finally, she gently straightened out Cindy's legs

and then smiled at Dan.

Dan took Cindy under her arms and pulled her up to the head of the bed

with him and then rested her head on his shoulder. With the bedcovers now

up around them he looked at Kelly, grinned, and said, "On behalf of my

bride-to-be, thank you, Kelly. That was the most incredible thing I've

ever seen." Then he raised an eyebrow and said, "But did you come in just

to watch, or...?"

Kelly grinned back, winked, and poured a mug of coffee for Dan. He took

it in his left hand while his right was again cupped over Cindy's breast.

He looked down at her and smiled. Her cheeks were still tear streaked, her

hair was matted with sweat, but he thought she was still the most beautiful

girl alive. Finally she blinked, opened her eyes, and looked into his.

He whispered, "That was fun, wasn't it?"

She snuggled against his shoulder and then kissed his chest. Then she

looked at him and asked, "Darling, next time please just whip me? It's

really much less painful." Then she shook her head, grinned wryly and

added, "I guess I'm _really_ a slow learner." She looked down at her

now-bare finger and then back at Dan. She said, "Darling, will you promise

me something?"

He said, "Of course! What?"

"Honey, will you please get me just a plain gold wedding band? I would

settle for brass, even. Darling, I'm just your hot cunt. In fact, I guess

there's no need even to marry me. I'll proudly carry your children and you

could adopt them if you really like them." Tears started to flow again as

she said, "I'm really dumb, Dan. Jan was forced to marry Pete because he

wouldn't sleep with her unless she did. Since you have all the milk you

could ever want, there's no need for you ever to buy the cow, is there?"

She was amazed to see tears come to Dan's eyes. He said, "Darling, I

have to marry you. I have the world's most beautiful woman in my arms

right now. She's intelligent, funny, warm, exciting... Of course, some

day she's going to wake up. Cindy, that's what I can't afford to allow to

happen. Some day you're going to take a good look at me and you know what?

You said it a few months ago: 'Burke, you're old, beat up, and generally

shot to hell.' You were right, of course."

Now tears were streaming from her eyes as she said, "Beat up? I guess

you are, Dan. You got beat up defending our country. You're handsome,

strong, incredibly gentle, smart, funny... Darling, I can't wait until I

can carry your children in my belly. I just hope they get their brains and

judgment from their father, though, and not from their mother." Then she

just rubbed her cheek against his hairy chest.

Dan motioned to Kelly who poured coffee for Cindy and then cups for

Cathy and herself. The two girls sat on the edge of the bed while Dan

pulled Cindy around so she was again next to him at the head of the bed.

First, he gently slid the ring back on Cindy's finger, then he looked at

Cathy Collins who had been watching events wide-eyed and asked, "Cathy,

what do you think?"

She just shook her head and said, "Mr. Burke, I don't know what to

say."

Dan began to laugh and said, "Cathy, I ask you? When a guy and three

girls are all bare-ass naked on one bed, do you suppose it's asking too

much for you to call me Dan?"

The girl laughed merrily and said, "I'm sorry, Dan. It was the most

beautiful thing I have ever seen. I may be prejudiced, but I think you're

a pretty lucky guy to get Cindy, too."

The girls were about to leave the room when Kelly glanced down and saw

her small bow was missing from her pubic hair. Again the tall girl
scrambled around the bed and the bedcovers with her tail in the air until

she found it again.

When she found it, Cindy, trying to control her giggles, said

sarcastically, "If you didn't insist on wearing so damn many clothes, you

wouldn't be losing bits of them all the time. Now, Miss McBride, if you're

finished, I would appreciate having my bedcovers back. Burke is getting

old so he doesn't keep me as warm as he used to. I'm cold!"

Dan pretended to glare at her and said threateningly, _"Young lady?"_

A look of fear came into her eyes as she hugged him and whispered, "Dan,

I'm sorry! Really I am. Will you forgive me?"

Dan looked at her with an eyebrow raised. Then he looked at Kelly and

said, "Slave Kelly, before you leave would you please get me the whip from

the closet."

Cindy snuggled even closer to him and sighed, "Darling, you're so good

to me! As long as it's just the whip."

As the girls were going out the door, they saw Cindy and Dan wrapped in

another passionate embrace.

* * *

After breakfast, Cindy started up the tractor-mounted snowblower and

attempted to clear the driveway. During the night the snow had turned into

a full-bore Midwestern blizzard, leaving drifts up to four feet high. With

all the cars parked in the driveway, though, it was difficult to maneuver

the tractor around them all. Dan and the other girls came out and used

shovels to dig around the cars, while Cindy used the powerful blower to

dispose of the shoveled snow. Although the blizzard had died down, snow

was still falling lightly.

Cindy reached the snow still piled high on the road. Since town plows

hadn't yet reached their neighborhood, there was no place to go even with

the driveway cleared. As she headed back up the drive she found that a

snowball fight had started, pitting Dan against Kelly, Cathy, and the other

girls from the bank. Cindy grinned and joined Dan to even up the odds. In

no time, they were completely snow covered and rolling in the new-fallen

snow like little children. Laughing, they went back into the house and

stamped off the snow.

Jan greeted them with a pretend frown saying, "Children, now hang up

your coats and come out to the kitchen." To their surprise, Jan had made a

huge pot of cocoa which was wonderful after the severe cold outside: the

temperature was still down in single digits.

When they finished, Cindy took a shovel and began to clear a path out to

the swimming pool. Although it was an outdoor pool, it was heated and Pete

and Jan had had a bubble put over it. The others helped, and in a short

time they had cleared off the pathway. Then, to the astonishment of Cathy

and the other girls, Cindy returned to the kitchen, calmly stripped off her

clothes and, in spite of the sub-freezing temperature, ran outside naked,

up the path and into the bubble. Kelly knew what she intended to do and

was right behind her. In no time the two girls were powering up and down

the pool.

The other girls were right behind. Soon they were all swimming laps.

Cindy would periodically stop and give pointers on technique to the girls.

When they finished, they ran back to the house. This time Cindy led them

to the gym and the exercise equipment in it. Cathy watched in amazement as

Cindy moved very heavy weights with no apparent effort. On the other hand,

she could see the girl's muscles bulge as they worked. Cindy set up Cathy

on a machine to build up her shoulders, her pectoral muscles, and to

develop her breasts.

In almost no time, the girl was sweating and close to exhaustion but

kept going following Cindy and Kelly's example. Cindy called a halt when

she thought the girls had had enough. The girls were puzzled when they

were told to wrap themselves in blankets. They had no idea what was next.

Kelly and Cindy took the girls two at a time and began to massage their

bodies.

Cindy was working on Cathy Collins' body and the girl just made happy

noises as her boss worked on her now-aching muscles. Looking over her

shoulder she said softly, "Cindy, I don't know how you do it. You're the

most perfectly conditioned female I have ever seen. What do you do?"

"Do you really want to know?" Cindy asked. The girl nodded and Cindy

said, "It's three things. First, I guess I work out my legs and arms in

the pool. My shoulders and chest develop on the machines, but the best

part is my lower body. That's Dan. When I'm cuming, I'm shaking my lower

body to pieces. Maybe that's why the muscles there are so firm."

Cathy rested her head on the massage table and shook it sadly. When

Cindy asked her what was wrong she replied, "I guess it means I'll have to

lose my virginity if I ever want to have a body like yours." Then she

turned and grinned, asking, "Are there any more guys like Dan? If there

was one, he could manipulate me to orgasm while I'm still a virgin. That's

what happened to Kelly, isn't it?"

"Sure is," Cindy responded with a grin. "What did she think of it? Did

she say anything to you, Cath?"

"She said it was like Heaven. She also said that if doing it with a man
is any better, she'll have to quit clobbering Kevin. He might get

discouraged and that's the last thing she can afford to allow to happen.

She still doesn't know exactly what Dan did, though, but she never felt so

good in her life before." When Cindy finished the massage Cathy felt better

than she could recall ever feeling in her life. To Cindy's surprise the

girl motioned for her to get up on the table. Looking puzzled, Cindy did.

Cathy took some massage lotion and began to work on Cindy's back and

shoulders. Although Cindy knew the girl normally had a very light touch,

now her fingers felt like steel rods as she very expertly worked on the

muscles. Cindy groaned with pleasure and murmured, "Catherine Collins,

you've been holding out on us. Where on earth did you ever learn to give

massages like this?"

The girl smiled and said, "I was an assistant trainer at Carleton

College. Maybe that's why I'm not as embarrassed being nude around men as

I ought to be. I guess I've seen a lot of naked men and worked on many of

them. Carleton is a pretty small coed school so we don't always have the

right number of men and women to go around. Anyway, I was the assistant

men's trainer. Does it feel all right? If you were a man, I would be more

confident. For example, do you know if I should massage your breasts?"

Cindy just murmured sleepily, "You're doing great! You figure it out."

When she rolled Cindy -- now sleeping -- on her back she just gently

caressed her full firm breasts with the massage fluid. Cindy just smiled

in her sleep and sensuously wriggled her body.

Later that night the girls were back in their sleeping-bags. Cathy

asked Kelly again what had happened the previous morning. Kelly looked at

her new friend speculatively and asked, "Cath, Cindy says a virgin cunt
tastes delicious. This morning you saw me under Cindy while she was cuming

in a flood. What did you think? Were you shocked?"

The girl just smiled warmly and said, "Kelly, it was like nothing I

could even imagine. As much as you were lapping up, even more was

splashing all over your face: your eyes, your nose, your hair. What was it

like? You seemed to enjoy it."

Rolling on her side Kelly looked at Cathy and said, "It was delicious!

Does that sound crazy to you? Cath, everything about Cindy is exquisite,

even her love juices." Then she looked at the girl and asked, "Would you

like to try? Cindy and Dan both say I taste like nectar -- whatever that

tastes like. I guess you represent my only chance to taste a virgin cunt,

too." She just looked impassively at the girl beside her. Again, the only

illumination came from the moonlight coming into the kitchen reflected off

the piled snow outside.

Cathy swallowed hard and said, "Could we do it fast? Before I lose my

nerve? Please?"

Kelly quickly unzipped the sleeping-bag and then put her arms around the

girl beside her. She really didn't know what she was doing, but she pulled

the smaller girl close and kissed her softly. To her surprise, Cathy

pulled her close and mashed her own soft breasts against Kelly's firmer

ones, then kissed her lips hungrily. The girls then reversed positions on

the sleeping-bag so they were now head-to-foot. Kelly gently spread

Cathy's legs to gain access to her nether lips. Meanwhile she could feel

Cathy doing the same thing to her. The next thing she knew, she could feel

the girl's tongue lick up and down her slit. The sensation was exquisite.

Meanwhile, the other girls in the kitchen were watching the two girls
with great interest. Finally, Kelly rolled over on her back with Cathy now

kneeling astride her. She lifted her hips to provide easier access and at

the same time pulled Cathy's groin down over her face. She nibbled at the

girl's clit and then heard her scream as she came in a small flood. Her

loins were in spasm now and luscious liquid was beginning to run from her

vagina in a small flood. Moments later Kelly lost interest in the girl's

sex as she was also taken over in a flood.

Suddenly Cathy jumped off her and reversed her position. Now she was

between Kelly's legs and put them over her shoulders. From this position

the girl could concentrate on licking and sucking her sex. Kelly came

again and again and again. Finally Cathy reached exactly the right level

of sexual stimulation and maintained Kelly in orgasm exactly as Dan had

done. The girl was now sweating and her arms were thrashing as her loins

just continued to jerk spasmodically. For her part, Cathy continued to

lick up and swallow the luscious juices that were pouring from Kelly in a

flood. Finally, Cathy bit down on the girl's erect clit. This was more

than Kelly could take. She screamed, exploded in another flood, and lost

consciousness.

When she regained consciousness, Kelly found her head on Cathy's bare

shoulder while the girl had her hand cupped around her breast in exactly

the way Dan always slept with Cindy. Kelly ran a hand through her wet hair

and whispered, "Wow! Cathy, that was utterly spectacular. Thank you so

much."

Then she lifted herself up and did to Cathy what had just been done to

her. She had found out that Cathy's cunt juices were very sweet. Now

concentrating her full attention on the girl she was able to reciprocate.

Cathy came in a flood and soon reached the point of continuous orgasm

herself. For an instant Kelly was fearful that the girl could hurt herself

with her thrashing but then remembered that it was exactly what she had

been doing earlier. In addition to eating the girl's cunt, she used a hand

to caress her breasts and tweak the girl's nipples. With her heightened

sensitivity, soon every time she touched them Cathy screamed with pain and

ecstasy. Finally, she bit the girl's clitoris causing her to lose

consciousness, too.

It was a mirror image of the earlier situation with one difference.

When Cathy regained consciousness her head was on Kelly's shoulder and

Kelly's hand was cupping her breast. The difference was that the other

three girls were now kneeling around them. One of the other girls, Gail

Swanson, asked softly, "How was it, Cath? Did that feel as good as it

looked?"

Cathy just stretched languorously and looked up at Kelly. Then she

pulled the girl's head down to kiss her softly on the lips. "I guess I'm

going to be a lesbian," she replied with a grin. "McBride, you should be

illegal, too. I thought the Irish had no feelings? I saw what Dan Burke

did to Cindy and I felt what you did to me. Are you sure it's better with

a man? It almost can't be."

Kelly replied, "Do you realize what's happening to us? We're around a

group of people that have to be the greatest sets of lovers in the world.

Have you ever seen Kathy with Bill Cartwright? They absolutely worship

each other. It's the most beautiful thing I have ever seen... and that

ignores the way they met. Then there's Cindy and Dan, Jen and Steve, Ali

and Bill... Good heavens! There's also Don Martin and Mary and even Dave

and Judy Chapman! Do you realize that the last three couples are all

middle-aged? My God! I hope my love life with Kevin is ever as good as

theirs is all the time. What an education!"

The girls returned to their sleeping-bags leaving Kelly and Cathy alone.

With her head still on Kelly's shoulder, Cathy rolled onto her side facing

the taller girl. She proceeded to stroke her skin with a petal-light

touch. Then she moved to her breasts but maintained the same touch. After

a while she could see Kelly start to writhe in the bag and make wonderful

happy sounds deep in her throat. Cathy had an idea and finally made it

happen. Again Kelly's pelvis started to spasm as she came in another

flood. Cathy jumped down and began to lick up the wonderful flow.

When it stopped, she flipped her head and used her still-damp hair to

dry Kelly's cunt and then returned to her shoulder. When she did, she was

grinning and said, "I did it! Kelly McBride, I made you cum without ever

touching you below the waist. McBride, you're too much! You're sinfully

sensitive. If this were the Bay Colony 300 years ago, you would be in the

stocks or on the ducking stool." The girl appeared to frown as she added,

"Kelly, if I didn't know better I would almost think you _like_ sex!"

"Who? Me? Surely you must be confusing me with someone else," Kelly

protested with a grin. Then she did to Cathy what had been done to her.

That, coupled with the sounds of the sexual experimentation going on around

them, caused the girls to be very tired when the sun rose the next morning.

It was two more days before the roads were plowed enough for anyone to

leave. When it was finally time to go, Cathy was wearing her Levi's and

work shirt along with a parka. She hugged and kissed Jan and then Cindy.

As she kissed Cindy she whispered, "Cindy, this has been the very best

Christmas of my life! Thank you so much for having me."

As she went out to her car, now cleared of snow, she felt around her

neck the heavy weight of the solid gold slave collar that Kathy had just

presented to her.

To be continued...

* * *

Comments and constructive criticism are sincerely welcome. Let me hear

from you. morg105829@aol.com

*Cynthia Martin* Copyright (c) 1991, 2001 by Morgan.

<morg105829@aol.com>

All rights reserved. No part may be reproduced or transmitted in any

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