At the south end of the street, there were twenty tables set up in a small square. There were a variety of hard men on display — some in mail, some in leather, some in coats of plates, all with large and very obvious weapons. On the tables were enough coins to ransom the King of France — well, perhaps not, but on those tables were at least 50,000 florins. You could change a Saracen coin for new minted Italian gold. You could change French debased coins for pure Flemish coins. And so on.
‘Messire, can you point me to the table of the Bardi?’ I asked a man who looked English. He proved to be a Dane, but his English was good and he had his mercenary walk me to the Bardi, half the street away.
I waited for a pair of Paris merchants on their way to the fairs to change their money, then I offered a slip of parchment from my purse. In truth, I was nervous — I expected a great deal of delay, and perhaps outright refusal. I think that in my head, I tied Richard’s and Sir John Creswell’s betrayal to the whole prisoner ransom scheme — I think I expected further abuse.
I was stunned when my local Bardi representative — Doffo, a senior man, more used to being an ambassador of Florence than a table banker — leaned across the table, took the slip of parchment from his nephew, read it, tapped his teeth with a gold pencil and looked at me.
‘You are William Gold, the English knight?’ he asked. He sounded respectful.
I probably simpered. ‘Yes, messire, I am he.’
He tugged his beard. ‘I heard you were dead,’ he said. He raised an eyebrow. What he meant was, prove you are who you say.
‘I had some troubles, it is true,’ I said, ‘but I was. . rescued by Fra Peter Mortimer. Of the Hospitallers.’
‘Eh?’ he asked. ‘Will Fra Peter vouch for you, young man?’
My Friulian leaned across the counter. ‘I will vouch for him, Messire Bardi. You know me.’
Of course. There could only be so many Italians in Avignon.
The pencil tapped again. ‘I will, of course, guarantee your money, messire. My memory is that you are an old customer, although we have never met. But — I apologize for the inconvenience — your share has been claimed.’
I had expected as much, but his gracious manner had given me hope. ‘Ah,’ I said.
He shook his head. ‘No, no. Fear not. You are palpably alive — even your red hair testifies for you.’ He looked up at me. ‘May I offer an interest-free loan until we work this out? How much do you need?
‘A thousand florins,’ I said. ‘Make that one thousand and one hundred.’
‘By Saint Jerome,’ he said. ‘Are you buying a bank?’
‘I am becoming a donat of the Order of Saint John,’ I said proudly.
He brightened. ‘Ah!’ he said. ‘This small fortune goes to the church?’
I nodded.
He offered his hand. ‘Done. A mere matter of notation then.’
Let me explain, if you do not know the banks and the church.
The better Italian banks took in specie — gold and silver — by collecting the papal tithes and other religious taxes and monies of account. They farmed these moneys: took them in and made a small profit.
Actually, an enormous profit, over time.
Imagine collecting the tithes from the entire Christian world, less only the schismatics of the east.
The money that they lent and brokered was that money. They didn’t actually move the money — the bags of silver collected in England largely sat in London. Can you see it? There’s a vault in a basement. It’s full of money. It is the Pope’s money, and he spends it in Italy. The Bardi use money collected in Italy to pay the Pope’s debts there. It’s all on paper. The money in England may go to pay for churches, or to reward nuns or feed the poor, but the rest — nine marks out of every ten — is used to loan out at interest. It engenders more silver as surely as girl horses and boy horses make more horses, except that the money never gets sick.
Over time, the effect has been to move the money slowly but surely to Italy. That’s not because of the Pope, rather because of the merchants and the banks. Once in a while, you see a specie train, guarded by a small army, taking gold over the Alps. You never see it go the other way.
Does this put you to sleep, messieurs? You are fools, then. For bankers, war is not about fighting. War is about gold.
At any rate, what my new friend Doffo was saying was that handing me 1,100 gold florins would have been a heavy risk, but writing me a note to the Hospitallers saying that I’d paid 1,000 to them actually cost him nothing in the short run, and he had plenty of time to check my story and put the screws to-
Ah. That thought reminded me. .
‘Who collected?’ I asked.
‘Sir John Creswell is marked as your captain,’ he said. ‘I believe he collected.’ He shrugged. He shrugged because 1,100 florins — more gold than most peasants would earn in their whole lives and the lives of their children — was not enough to seriously concern him.
Bankers.
He wrote me a receipt, and his spotty nephew counted me 100 florins. I signed. He signed. He sealed.
‘Check back,’ he said. ‘We have means to collect from Sir Creswell.’ He snorted. ‘When I have seen to that, I will happily pay you the balance.’
We shook hands and I walked away.
Messieurs, you want to hear about the fighting in Italy. So I will not dwell on the summer of the year of our lord 1362, except to say that it was among the hardest, and perhaps happiest, of my life.
England and France were at peace, and the Pope was attempting to organize a crusade against the Turks. I’ll speak plainly about the Turks later — I fought them many times over many years, as you will hear. They may be infidels, but they are fine soldiers, wonderful archers, men with a strong sense of honour, and all of them ride better than me.
Hah!
But at that time, the Turks had just taken two Christian cities in Europe, and it was the scandal of the world: Adrianople and Gallipoli. They were just names to me — I had no idea how well I’d come to know them later.
But although neither King Edward of England nor King John of France had committed to a crusade, it seemed possible, even likely, that they’d both go. That sort of negotiation was the reason Father Pierre Thomas was a legate, which, by the way, is an ancient Roman military rank. Well, I enjoy knowing such things!
So in high summer, Fra Peter, Juan and I carried letters from Father Pierre Thomas and the Pope to the King, all the way across France to Calais.
Before we left, I trained every day with Messire dei Liberi, the Friulian lad.
He reduced swordsmanship the way I had seen Cumbrians and Cornishmen reduce wrestling, to a set of postures called gardes. Some of the gardes I had heard or, or seen used, in London and Bordeaux. The Guard of the Woman is much the same everywhere, although different men use it differently.
But the Friulian had something — I think it was anatomy. He said he’d studied a year at Bologna — even in England, we know Bologna is the best medical school in the world. But he had theories of how the body moved, and how best to put strength and speed into your sword. Many were profound. A few were nonsense.
Here is where he was different from the many charlatans I have seen teaching boys to use their weapons: when you showed him that a theory or posture was nonsense, he grinned and dropped it from his repertoire.
Let me tell you a secret. Every master-of-arms knows this secret. I can impart it to you, but none of you will be able to learn from it. I’ll try anyway.
You can teach a man how to use a sword, but you cannot teach him to use it. The knowing how is not the same as the use. An untrained yokel — me, for example — can defeat a superbly trained man for many reasons. The Italians roll their eyes and say fortuna. The French, more piously, say, Deus Veult!’ The English say, ‘The luck of the devil’.
There is more to battle than training, armour, conditioning and good horses.