The nurse, an import from England, brought the boy up on a regimen that would have gladdened the heart of a Prussian cavalry officer. William's father would visit him each evening at six o'clock. As he refused to address the child in baby language, he ended up not speaking to him at all; the two merely stared at each other. William would grip his father's index finger, the one with which balance sheets were checked, and hold on to it tightly. Richard would allow himself a smile. At the end of the first year the routine was slightly modified and the boy was allowed to come downstairs to see his father. Richard would sit in his highbacked, maroon leather chair watching his first - born weave his way on all fours in and out of the legs of the furniture reappearing when least expected, which led Richard to observe that the child would undoubtedly become a senator.

William took his first steps at thirteen months while clinging on to the tails of his father's topcoat. His first word was 'Dada', which pleased everyone, including Grandmother Kane and Grandmother Cabot, who were regular visitors. They did not actually push the vehicle in which William was perambulated around Boston, but they did deign to walk a pace behind the nurse in the park on Thursday afternoons, glaring at infants with a less disciplined retinue. While other children fed the ducks in the public gardens, William succeeded in chan - ning the swans in the lagoon of Mr.

Jack Gardner's extravagant Venetian Palace.

When two years had passed, the grandmothers intimated by hint and innuendo that it was high time for another prodigy, an appropriate sibling for William. Anne obliged them by becoming pregnant and was distressed to find herself feeling and looking progressively off colour as she entered her fourth month.

Doctor MacKenzie ceased to smile as he checked the growing stomach and hopeful mother, and when Anne miscarried at sixteen weeks he was not altogether surprised, but did not allow her to indulge her grief. In his notes he wrote 'pre - eclampsia?' and then told her, 'Anne, my dear, the reason you have not been feeling so wrU is that your blood pressure was too high, and would probably have become much higher as your pregnancy progressed. I fear doctors haven't found the answer to blood pressure yet~ in fact we know very little other than ies a dangerous condition for anyone, particularly for a pregnant woman.'

Anne held back her tears while considering the implications of a future without more children.

'Surely it won't happen in my next pregnancy?' she asked, phrasing her question to dispose the doctor to a favourable answer.

'I should be very surprised if it did not, my dear. I am sorry to have to say this to you, but I would strongly advise you against becoming pregnant again.'

'But I don't mind feeling off - colour for a few months if it means 'I am not talking about feeling off - colour~ Anne. I am talking about not taking any unnecessary risks with your life.P It was a terrible blow for Richard and Anne, who themselves had both been only children, largely as a result of their respective fathers' premature deaths. They had both assumed that they would produce a family appropriate to the commanding size of their house and their responsibilities to the next generation. 'What else is there for a young woman to do?' enquired Grandmother Cabot of Grandmother Kane. No one cared to mention the subject again, and William became the centre of everyone's attention.

Richard, who had takerx over as the president of Kane and Cabot Bank and Trust Company when his father had died in 1904, had always immersed himself in the work of the bank. The bank, which stood on State Street, a bastion of architectural and fiscal solidity, had offices in New York, London and San Francisco. The last had presented a problem to Richard soon after William's birth when, along with Crocker National Bank, Wells Fargo, and the Califomia Bank, it collapsed to the ground, not financially, but literally, in the great earthquake of 1906. Richard, by nature a cautious man, was comprehensively insured with Lloyd's of London. Gentlemen all, they had paid up to the penny, enabling Richard to rebuild. Nevertheless, Richard spent an uncomfortable year jolting across America on the four - day train journey between Boston and San Francisco, supervising the rebuilding.

He opened the new office in Union Square in October 1907, barely in time to turn his attention to other problems arising on the Eastern seaboard. There was a minor run on the New York banks, and many of the smaller establishments were - unable to cope with large withdrawals and started going to the wall. J. P. Morgan, the. legendary chairman of the mighty bank bearing his name, invited Richard to join a consortium to hold firm during the crisis. Richard agreed, the courageous stand worked, and the problem began to dissipate~ but not before Richard had had a few sleepless nights, William, on the other hand, slept soundly, unaware of earthquakes and collapsing banks. After afl, there were swans that must be fed and endless trips to and from Milton, Brookline and Beverly to be shown to his distinguished relatives.