Ellie watched as Kim sat peering at the accounts, punching figure after figure into her black calculator with a purposeful look and scribbling notes on a pad. Ellie did her best not to disturb her friend’s concentration except when she was asked to pass something or find some important receipt or invoice.
She held her breath as Kim stopped and looked up, pushing her fancy red-rimmed glasses up on to her head.
‘Well?’ asked Ellie nervously, feeling a pit of dread in her stomach at the thought of impending bad news.
‘It’s a healthy business,’ grinned Kim, ‘a good sound investment.’
‘Are you sure?’
‘Yes. Sales figures and accounts and bank statements don’t lie.’
‘So does that mean you think I could make it work as a business?’
‘Yes!’ said Kim firmly. ‘Ellie, you’ve no idea how many people are trying to set up businesses, invest in new companies or get start-ups going. Here you have a very viable business which you already own. It’s a great opportunity.’
Ellie almost danced with relief as Kim confirmed her own gut instincts. ‘Obviously the redevelopment will have an impact during the building work,’ cautioned Kim. ‘But once the new shops and hotel open it should attract even more visitors to the street.’
‘What are you saying?’
‘I’m saying that your mum’s shop is a good solid business with existing goodwill. It will need further investment, upgrading – all businesses do – but in the long term it should really be worth it.’
It was exactly what Ellie had hoped to hear and she could feel herself getting more and more excited at the prospect of a little hat shop of her own!
‘Kim, what would you do?’
‘El, I’m an accountant,’ she said seriously. ‘I come from a long line of accountants and bankers. But having said that, I’d finance someone like you.’
‘Well, I hope the bank agrees with you because that’s what I’m going to do! Try to get some money together and invest it in the shop.’
Ellie threw herself back on the couch with a rush of excitement, and a feeling of sheer joy and inner clarity. Her mind was made up, the decision made. The little hat shop was hers and she intended to keep it.
‘Oh my God! This is great!’ Kim hugged her, getting equally excited.
‘Let’s open a bottle of wine!’ giggled Ellie, jumping up and running to the fridge, ‘to celebrate Dublin’s finest hat shop!’
‘Well, I’m not surprised,’ Kim said later, munching cheese and crackers and contemplating the future. ‘You’ve always been great at making things. Remember the skirt I was meant to make for sewing in school and you ended up making it for me?’
‘Sssh,’ teased Ellie, ‘that was our secret, remember? Mrs O’Malley thought you made it yourself and gave you top marks in home economics that year.’
‘And that great hat you used to wear in fourth year, made from old wool. Everyone wanted one,’ Kim went on, helping herself to another glass of wine.
They sat up talking till long after midnight, planning all kinds of things for number 61. Both agreed that a complete change of style and décor was needed if the faded and rather outdated hat shop was to be considered the chic new millinery establishment Ellie intended it to be.
Within a few days Colm, an architect friend of Fergus’s who specialized in shopfitting and offices, had drawn up a rough plan, with an estimate of the costs. It was more than Ellie had budgeted and she wasn’t sure she had the courage to go ahead with the project. There was the expensive German lighting, which he considered essential for the job, and exquisite Italian panelling and display systems. A quote from two firms of decorators had also left her reeling, as no matter how many times she calculated and recalculated there was no way that she could afford it. If she wanted to keep the business and have some money to live on, she would definitely need a bank loan.
On Kim’s advice she set up a meeting with her local bank manager. Sitting behind his desk in his grey suit, Bill Daly seemed accommodating and encouraging of her artistic and entrepreneurial spirit, saying the bank were always pleased to foster the expansion and upgrading of a small business. She began to relax as he touched the keyboard on his computer and called up her account details.
Ellie had put on her dark suit and most serious expression and pinned her hair up to try to impress upon him that she was a good investment.
‘Good location. The shop is just off Grafton Street,’ he said drily, studying the screen. ‘South Anne Street, where the development is starting.’
‘Yes, my mother bought the building years ago. The shop was hers but now I intend to take it over.’
‘Indeed,’ Mr Dunne soothed. ‘I know, it’s all on the file.’
She sat back in the leather chair, trying to seem nonchalant as he perused her current and savings accounts and the special account she’d set up for the transfer of her mother’s finances.
‘And you have left your previous employment?’
‘Well, for the present I’ve taken leave from my job at Hyland’s.’
She was beginning to wonder if the man across from her was listening to anything she said as she had already explained fully that she was going to run her own business. All she needed was for him to approve her loan so that she could get on with it. She watched his expression as he touched the keyboard again.
‘Now that we have had a chat about it, it’s a matter of getting your signature here on this form, then I can pass it on to our lending department. It will take a day or two but they will come back to you as soon as possible with their answer.’
Strange, he didn’t sound as enthusiastic as he had at the start of their meeting.
‘I thought you would make the decision, Mr Dunne,’ said Ellie, confused.
‘In some cases I do, but most things go up to the lending department for approval. It’s standard practice.’
As she said her polite goodbyes a few minutes later, Ellie noticed on one side of the corridor a big copy of the slick marketing poster for Casey Coleman Holdings’s South Anne Street project. The bank was named as one of its lenders. It was no surprise when three days later she got a negative letter from the bank with regard to her loan. They would approve a short-term loan for a much smaller figure or an extension to her overdraft facilities, but not the amount she had hoped for.
Her attempts to get a loan with another bank were equally negative. Ellie was disappointed – but it was strange, the more obstacles she encountered the more determined she was to hang on to the business. The temptation to take the money and run grew less appealing. The little shop with its faded carpets and polished counter and mirrors had too much of a hold on her for her ever seriously to contemplate leaving. Maybe she was crazy to turn down the pile of money she was being offered but she had to listen to her instincts.
‘What are you going to do?’ Kim asked, sensing Ellie’s disappointment when she called over to the apartment after work.
‘I’m not going to hand the place over to Casey Coleman Holdings and take the money and walk away,’ said Ellie fiercely. ‘The bank where I have my savings account will give me a much smaller loan but it’s on good terms, so that’s something. I can draw it down as I need it.’
‘Great,’ cheered Kim, ‘though people are going to call you a Mad Hatter for turning down all that dosh!’
‘Let them,’ laughed Ellie.
The fridge was empty of wine so they resorted to the chilled remnants of a bottle of vodka and a carton of orange juice topped up with ice as they considered an alternative strategy.
‘The shop doesn’t need that much doing, surely?’ said Kim encouragingly. ‘Nothing major anyway?’
‘Colm feels moving the internal wall will help. It’s only a partition wall so it shouldn’t be too expensive. Then there’s stripping, painting, new fittings, new floor, mirrors, chairs,’ listed Ellie. ‘It’s going to cost a fortune and take almost every penny of my savings too. Remember I’m going to be officially unemployed and have no salary.’
‘Poor you!’ teased Kim. ‘Then we’ll just have to do it on the cheap.’
‘We?’
‘Yeah, I’ll help you. I know we’re not professionals but I’m sure Fergus isn’t too bad with a paint-stripper. Mary-Claire is always boasting about that course she did on distressing furniture and Polo is doing bloody art and design so he should have some ideas. We can all give a hand.’
‘Are you sure, Kim? It would be at the weekends or after work and I can’t really afford to pay people.’
‘Plenty of drinks and sandwiches! Anyways, what did you have in mind?’
Ellie couldn’t believe it. Kim was willing to give up some of her precious free time after hours from her busy job to help her.
‘Actually I’ll show you.’
She got up from the couch and rooted around for Colm’s plans plus a folder with ideas and rough sketches that she had put together. She produced the pad with her drawings of what the shop could look like, interior and exterior sketches with the shopfront and walls painted in various colours and with slightly different treatments.
‘Wow, Ellie! These look great. It’s going to be beautiful – the kind of place anyone would want to shop.’
‘I’m still not sure what colour scheme to use but definitely nothing too harsh or strident. What would you think of a cream or ivory or primrose yellow?’
‘What you need to do is get some of those testers and try them out on the walls to see what works best. That’s what Brian and I did when we were doing up our apartment. Remember how the place looked like a rainbow for months?’ Kim stopped.
Ellie automatically stroked her friend’s arm and shoulder. It had been so hard for Kim when Brian and herself had broken up after two years. Kim had accepted their incompatibility but she still really missed him.
‘And I thought if we took up the carpet we could either sand or bleach the floorboards,’ continued Ellie.
‘Yeah, that awful old grey carpet of your mother’s has got to go.’
Ellie hadn’t the nerve to tell Kim that the carpet was meant to be a pale blue and it hadn’t been changed for twenty years.
‘And what about the counters and the shelves?’
That was Ellie’s quandary. The fittings had been specially made years ago and were still in perfect condition. It was just that the dark wood managed to make the shop seem cramped and old-fashioned. New fittings would cost a small fortune, something she definitely didn’t have.
‘I have to think about that,’ she admitted.
‘Anyway, the little hat shop is here to stay,’ said Kim, fixing them a refill.
‘Yes,’ Ellie said triumphantly. ‘It’s going to be Hats! Hats! Hats!’
The next day she phoned Neil Harrington. He was away but his secretary gave her an appointment for early on Thursday morning at his offices on Lower Fitzwilliam Street.
Ellie put on a simple pale blue suit for the meeting. Sitting in the waiting room, she noticed the wonderful Louis le Brocquy and Donald Teskey paintings on the wall. They were two of her favourite Irish artists; he was obviously a collector.
‘Miss Matthews, he’ll see you now.’ His middle-aged secretary led her into a beautiful room with magnificently decorated plasterwork on the ceiling, and tall sash windows overlooking the long narrow stretch of garden at the rear of the building.
Neil was wearing a white shirt, tie loose, collar open. Freshly showered and shaved, he looked good.
‘So you’ve come with the contracts.’ He smiled, indicating the chair in front of his cherrywood desk.
She glanced nervously at the bookshelves beside him – law books, Irish law, international law, reams of them. Photos in polished silver frames on his desk, and on the wall more art, Markey Robinson, O’Connor and a Yeats etching.
‘Yes, I’m returning them.’
‘Your signature needs to be witnessed on each copy,’ he said affably, lifting the brown envelope off the desk. ‘I can ask Jean to do it if you wish.’
‘That won’t be necessary,’ said Ellie cheerfully.
‘Good, then they are signed and witnessed already.’ Neil had spread the papers on his desk and was looking at the blank part at the end of the contract. ‘But it’s not signed?’
‘No. I’m not signing it,’ she said softly, almost afraid to look at him, ‘because I’m not going ahead.’
‘But I thought we had agreed, that you understood everything,’ he said slowly, ‘that it had all been explained to you?’
‘I do understand,’ she retorted. ‘It’s just that I’m not selling.’
‘Not selling?’ His voice rose, annoyed. ‘I thought you were going to honour what was discussed and agreed with your mother? Jerome Casey and I were both under the impression that you were prepared to accept our offer.’
‘I changed my mind. I’m sorry,’ she apologized. ‘I didn’t mean to mess you around and waste your time. It’s just that I don’t want to sell the shop.’
‘Please, Ellie, reconsider,’ he remonstrated, standing up and coming to sit on the corner of the desk in front of her. ‘Get some good business advice. My client is making a very generous offer. Think what you could do with the money.’
‘I just want to make hats,’ she said softly.
‘If you are determined to continue with your hat-making, perhaps you could relocate? Find another shop or studio here in the city. I have a number of auctioneering contacts who I’m sure could help.’
Ellie Matthews pulled herself up to her full height of five foot three and stood straight in front of him, dark eyes serious.
‘I’m sorry, Neil, but the business is not for sale.’
‘I am . . . I mean my clients will be very disappointed,’ he said coldly.
‘Thank you for all your work and the advice but I’ve made my decision,’ she said, sensing his annoyance at her for wasting his and his clients’ time.
‘So you are turning down their offer, rejecting it,’ he said dispassionately, facing her squarely. ‘Was it the money?’
‘No.’ She shook her head. Avoiding his eyes and the fact that his legs were almost touching her, she concentrated on the framed photo of his father on the desk. ‘It’s a family business, Neil. My family. I thought you of all people would understand that. I just can’t walk away from it.’
‘What will you do?’
She smiled for a second, thinking about it.
‘I will make hats!’ she said defiantly. ‘Hundreds of them.’
Trying to control herself and not give in to the absurd shakiness that was threatening to overwhelm her, Ellie reached for her handbag on the floor, flustered and nervous, as Neil tried to step out of her way. Shit . . . her beautiful blue willow-pattern handbag burst open on his carpet, spilling everything she possessed on to the floor under his desk. She scrabbled to pick things up – her mirror, keys, wallet, phone, diary, a notepad, her perfume, two pens and a pink highlighter, a mini toothbrush, dental floss, a hairbrush, hairgrip, cotton buds. Neil Harrington looked appalled as her bright pink lipstick lay exposed on the carpet. He bent down to help her, the two of them almost colliding as they both reached to retrieve it. Grabbing the lipstick, Ellie bumped against him and the bright pink tip smeared his pristine laundered shirt. Ellie searched uselessly for a tissue to wipe it. His hand caught hers.
‘It’s OK. I’ll get it cleaned,’ he said politely, surveying the vivid stain.
For one mad minute she pictured herself helping him to unbutton it, discovering if he was really as stuffy and old-fashioned as he seemed.
‘I’m sorry, Neil,’ she apologized. ‘I didn’t mean to.’
‘It’s all right, Ellie, I always keep a spare in the office.’
Embarrassed, she tried to smile, and wished he was ancient like Mr Muldoon instead of actually rather handsome and attractive. She suspected a few items had rolled right under the desk but to get them she would have had to kneel right down on the floor in front of him. No way. They could stay where they were. Hopefully his secretary, Jean, would retrieve them.
‘That’s it.’ She smiled.
The two of them somehow managed to say a polite goodbye, Ellie knowing that despite his good manners he was furious at her change of mind.
Outside on the street she checked her bag. Her raspberry Juicy Tube, her mascara, her lucky old Irish twopenny piece and a Tampax were missing, probably lying somewhere under his desk, at Neil Harrington’s feet.