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To the extent that he had established the righteousness of Boniface, IX in restraint of the ambitions of Milan, so did Cardinal Cossa, legatus a Latere, seek to control the morality of Bologna when he decreed that its prostitutes and its gambling houses operate only under paid licence. Further, he undertook programmes to strengthen the city's walls, ordered fortresses and citadels in the papal states to be repaired and all connecting roads to be mended. He dismantled the citadel at the San Felice gate and erected a defensive castle at the Galiere gate. The licensing of prostitutes allowed Bernaba to pinpoint the working locations of all new competition which would otherwise have remained unknown to her and allowed Palo to send in his regimes to discourage this. The licensing of the gambling houses, as well as the women, brought in money to the state, in which Cossa had a share of the pope's share, thus increasing his income from both areas by about 9 per cent.

Otherwise, when he was not busy with defence and taxation, he spent his time with the Marchesa di Artegiana. He was besotted with her, bemooned by her. He sat silent and gaping as she would instruct him in -the ways of power as if she were the Empress Livia and he a shepherd boy from the hills. Her mind dominated his and he was also possessed by her body as she instructed him in its usages, teaching him new and startling sexual doxologies. She was learned about money and about politics and he soon came to accept what she suggested as durable law. When she explained public health to him, he built a large covered sewer for the city, raised the flooring of the muddy, perpetually damp piazza, and paved the entrance to San Petronio. He built for Bologna but he had to force these benefits upon the people. He had to force them to understand the necessity for increased taxation so that the loans from the Medici bank, which made all this civic progress possible, could be repaid and greater loans extended.

Cossa knew he was a far-seeing governor because the marchesa and her admirer Bernaba Minerbetti never ceased reminding him of the heroic work of state administration which he carried alone on his shoulders. The Bolognese wanted it both ways: they were proud of their up-to-date defences, their improved public health and other modern comforts, but they would not stop keening over the taxes which paid for the benefits.

Counselled by the marchesa, Cossa introduced a strict system of sales and excise taxes – legal and legitimate – to be shared with the curia in Rome. A tax of 50 per cent was imposed on wine. Taxed bread could only be bought at appointed shops. Gamblers, jugglers, goldsmiths and acrobats were taxed, but moneylenders, were exempted. Cossa became unpopular. He raged about the ingratitude of the people while counting his share of the taxes. City magistrates, council members and nobles were taxed at the same rate as everyone else. He taxed even the outlanders who came to the city with safeconducts from outside rulers; and, if the more powerful and rich citizens complained that an arrangement should have been made to exempt them from such insistent taxation, Cossa made examples of them. Did Mantua, Padua, Parma or Perugia have sewer systems, he would exhort them. Were those cities the headquarters of a papal army which spent its pay there? Let those who would rather suffer without such civilization move to Mantua or Parma and pay fewer, taxes.

While the contracting companies which were controlled jointly by Cossa and the marchesa won the contracts for the city improvement schemes, the marchesa saw that they delivered value. Also, while Cosimo di Medici had insisted, that Cossa accept a quarter-tithe (soon increased to a half-tithe) on the expanded banking business that the civic projects and the presence of the papal army had j created, and while Cossa participated heavily in the income from Bologna's courtesan business and in the branch businesses Bernaba had established in Siena, Perugia, Mantua and Parma, and while his share of the income from the gambling houses was large, the bald fact was that Cossa gave value for his services to the cities of the papal states, which was how he looked at it. He was probably right. What is money compared to strong public defences, government-inspected whores and tightly supervised gambling houses? The quality of the wine might have suffered from the river water the wine merchants added to it to make up for the taxes, but people got used to it.

If Bernaba was surprised to find the Marchesa di Artegiana in Cossa's bed at night and at his side for most waking hours, she did not show it. At the first chance, when Cossa was busy elsewhere, she went to visit her old friend. There was much laughter, talk and wine.

Soon the marchesa warmed to her subject and she outlined how Bernaba might set up a network of courtesan operations throughout the cities of the papal states under Cossa's protection. She told her about the sources of women, how Palo might be instructed to set up protection, how information might be organized at each point of sale and how a network should be formed to get the information back to Cossa in Bologna. It was not only, a wonderful Sunday afternoon, it formed a lasting bond between the two women, and it was profitable – so much so that, when Boniface IX died on 1 October 1404 (to be succeeded by Innocent VII), Cossa had been able to deposit, overall, 100,000 florins to his account in the main Medici bank in Florence, as a result of his stewardship of Bologna and the papal states.

As soon as Boniface died, the volatile people of Rome rose in revolt. The Colonnas demanded the return of the ancient freedoms and rights to the city, meaning that they and the other great families wanted a. larger share of what Rome earned. There was so much civil turmoil and bloodshed that King Ladislas of Naples, whose astuteness and craftiness the Visconti themselves may well have envied, marched on Rome and had himself appointed as the Rector of Campania and Martina for five years. He permitted the Colonna to ally themselves with him and – most disastrously to hopes for an end of the papal schism – induced Pope Innocent to promise, not to agree – to any plan for the union of the Church which did not include the recognition of Ladislas's title to all of the papal realm. This was a fatal bar to the accommodation of the claims to the throne of Naples by his kinsman, the Duke of Anjou, and thus made impossible the cooperation of France to end the papal schism which had yoked two popes upon the world – Innocent VII in Rome and Benedict XIII in Perpignan (Benedict had defied the authority of the King of France and moved from Avignon). Ladislas's army enforced the peace of Rome with such authority that Ladislas was recognized as Protector of the Holy Roman Church when Gregory XII was elected pope on 30 November 1406.

Gregory was an old man with many `nephews' and Ladislas, who intended to rule Italy, surrounded him with a heavy presence. To prepare for his conquest of the papal states, which he saw as merely a bloodless transfer of power, Ladislas prodded the pope to remove Cossa from the command of the papal armies and to issue sharp public rebukes upon Cossa for withholding from Rome more than his share of papal income.

Cossa was ready for an extended argument until the marchesa explained the facts to him. `Why should an old man, new in the papacy, carp about these petty matters when – over all the years you have served the papal curia, the experts on taxation and the proper rate of cash return to the papacy, have never complained about you? Look who bestrides Rome, Cossa. Whom do you see?''

`I don't follow you, Decima.'

`Ladislas! Look at the size of his army occupying Rome! Ladislas plans to shunt you out of the way as if you were some scribe in the Vatican and to take command of the papal armies, then to rule Italy from Naples. What happens then? Do you flee or are you the timid servant of an, old confused pope?'