New York, a small town on the tip of Manhattan island, 1746. One rainy evening in November, a handsome young stranger fresh off the boat arrives at a countinghouse door on Golden Hill Street: this is Mr. Smith, amiable, charming, yet strangely determined to keep suspicion shimmering. For in his pocket, he has what seems to be an order for a thousand pounds, a huge sum, and he won't explain why, or where he comes from, or what he is planning to do in the colonies that requires so much money. Should the New York merchants trust him? Should they risk their credit and refuse to pay? Should they befriend him, seduce him, arrest him; maybe even kill him?