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“No,” said Loaf. “In Aressa Sessamo, that letter will do you good. Here it does none, and you need to turn one of those jewels into money.”

“I thought we had a lot of money,” said Rigg. “Too much of it.”

“I said you had enough money that rivermen would kill you for it,” said Loaf. “But prices get a lot higher the farther down the river you go. You’ll be out of money long before you get to Aressa Sessamo, no matter how carefully you eke it out.”

“Is there a bank in this town?”

“Not yet,” said Loaf. “But I can accompany you downriver to the first city that has one. It’s a place where I’m known well enough, and I can vouch for you. I can also keep you safe along the way.”

“Why would you do that for us?” asked Rigg.

“For money, you dunderheaded boy. I’m an honest man but not a rich one. We’ll get to the bank—the banker’s name is Cooper—and when he gives you the money, he’ll give a fee to me. And don’t fear I’ll cheat you—we’ll let the banker set the price. Fair value for my protecting you and leading you there.”

“The banker is your friend, not ours,” said Umbo.

“But you’re the one with the jewels,” said Loaf. “So that’ll make him your friend, not mine.” Then he pointed at Rigg. “Or rather, his friend, not either of ourn.”

“What kind of banker is named ‘Cooper’?” asked Umbo. “Are the coopers around there all named ‘Banks’?”

“The city where he lives has a law that family names are passed along father to son, husband to wife, regardless of whether the name itself still fits. He once had a distant ancestor who was a cooper, that’s all it means.”

“It’s a very dull way of naming people,” said Leaky.

Loaf turned to Rigg again. “I’ll make money from taking you, but it’s money fairly earned, since without me you’re so likely to be dead before you get out of Leaky’s Landing.”

“Is that the name of this tavern?” asked Rigg, wondering why it wasn’t named for Loaf, since at least his name suggested something edible, while Leaky’s name seemed a recommendation against staying there on a rainy night.

“It’s the name of the whole town,” said Leaky.

“They named it for you?” asked Umbo.

“Maybe they did, maybe they didn’t,” said Leaky.

“This termite-supper town?” said Loaf. “They called it sixteen different things till we got here and told them that they had to settle on a name or we wouldn’t build the tavern here. I suggested they name it for me, and so they named it for her just to prove that they don’t have to do what they’re told, even though it was the best advice they’ve ever had. Population’s tripled in the fifteen years since they named it.”

“What does having a name matter?” asked Umbo.

Loaf rolled his eyes. “I can hear the land speculator saying, ‘Come and buy land here and build a house in a town so saint-forsaken that we don’t even know its name!’ or a traveler saying, ‘Let’s stop for the night at that inn in that town, you know the one, the town with no name?’”

“They get the point,” said Leaky.

Rigg wanted to know what the plan was. “So are we leaving for . . . the town with the banker named Cooper—”

“Does that town have a name?” asked Umbo. “Or are they waiting for you to move there and name it for them?”

“Leaky’s Landing is new,” said Loaf. “That city has had people there for twice five thousand years. It’s as old as the world. Nobody even knows the language it was first named in.”

“It’s called ‘O,’” said Leaky.

“And it has the Tower of O in it,” said Loaf, as if they should know all about it.

“There must not have been many cities in the world when they named it,” said Rigg. “Are there other old cities

named for vowels?”

Loaf looked at his wife, rolled his eyes, and said, “It’s going to be a long trip.” Then he turned back to Rigg. “To answer the question you should have asked, I’ll say that before we set out for O, we’re going to buy you some clothes that won’t attract notice. Not too rich, not too poor, definitely not of woodsy leather, and equally not the latest fashions from upriver. You,” he said, pointing to Umbo, “will pass for my son, dressed like me.”

“I’m excited,” murmured Umbo.

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