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Chapter 1

Jess’s first day of work, the first day of the rest of her life. Into the elevator and up to the twentieth floor, where the doors open with a little whoosh.

The entire building smells like money.

She receives a small plaque with her name printed in all caps: JESSICA JONES, INVESTMENT BANKING ANALYST. Then mintroductions—the other analysts on the team: Brad and John and Rich and Tom, or maybe it’s Rich and Tom and Brad and John—and also Josh, who Jess remembers from college.

“Hey,” she says, “it’s you!”

He looks up from his desk—he is already installed at a workstation, looking busy and important—but his face is blank.

They had a class together last year and Jess remembers him, because he was the worst.

“Jess?” she offers. “From school?”

He blinks.

“We had a class together?” she tries again. “Supreme Court Topics?”

He just looks at her, saying nothing. Is it possible she has something on her face?

“With Smithson? Fall semes—”

“I remember you,” he says. And then promptly swivels in his chair.

Cool, Jess thinks. Nice catching up.

She starts to go.

“You know,” he says, not turning, “I knew you’d been assigned to this desk.”

Jess stops. “Oh, really?”

He nods—the back of his head—“I worked with these guys when I was here last summer. And I graduated off-cycle, so I’ve been back since January.” He pauses. “They asked me about you.”

“What did you say?”

“Nothing.”

“What! Why didn’t you tell them I was amazing?”

“Because,” he says, finally turning to look at her, “I’m not convinced you are amazing.”

The first time Jess met Josh, it was fall of their freshman year. November. The night of the 2008 election. All day the campus had pulsated. History in the making. Around eleven the election was called and Jess emerged stunned and delirious onto the quad, which had erupted into something like a music festival. Students spilled out into the night cheering and hugging. Car horns honked. Someone screamed woot woot and, somewhere, a trombone, brimming with pathos, played a slow scale.

Jess had the feeling she had been shot out of a cannon; she was blinking into the moonlight when a couple of reporters from the school paper stopped her. They were compiling quotes from students on the eve of this historic moment. Did she have a minute to share her feelings, and would she mind if they took her photo? Jess said sure, even though the air was crackling and she wanted to weep.

The reporter’s pencil was poised. “Whenever you’re ready.”

What could she possibly say? There were no words.

“I’m just… I’m just… fucking ecstatic! Is this even real? And now I’m probably going to go have, like, thirty shots—no, fifty!—because that’s more patriotic!”

The student reporter looked up from his mini legal pad. “End quote?”

“Wait, no! Don’t write that!”

“What do you want to say?”

Jess thought about it, collected herself. Imagined her dad reading her words. Her dad, who she’d spoken to just hours ago, and whose reaction to the early returns—Ohio and Florida were set to break for Obama—was to pour himself another Coke and say: “Well, Jessie, I’ll be darned.”

She started over. “I feel the weight of history tonight. To cast my very first vote for our nation’s very first Black president is such an awesome privilege. A privilege that my ancestors, slaves, did not share. Standing on the shoulders of so much strength and sacrifice, I’ve never felt more humbled or hopeful.”

“That’s great,” the reporter said. “Now just stand over there and we’ll take your shot.”

Jess took a step to the left and watched as the reporter approached another student. A sandy-haired freshman wearing chinos and a collared shirt.

The photographer said to Jess, “Look this way. On the count of three.”

And the reporter said to the boy in business casual, “How are you feeling about the election?”

Jess turned to the camera and smiled.

The guy in chinos turned to the reporter and said, “Everyone seems to forget that we’re in the middle of a financial crisis. The stock market is in free fall. Gas is four dollars a gallon. So I’m not convinced that now is the right time to entrust another tax-and-spend liberal with the economy,” he shrugged, “but I guess I can see the appeal.”

Jess, aghast, turned to give him a dirty look, her smile dropping just as the flash popped.

The next day she was on the front page of the school newspaper under a headline that read STUDENTS REACT TO OBAMA’S HISTORIC WIN.

The picture was good—the angle, the moonlight, her face radiating quiet wonder—and that, plus the gravitas of the moment, made Jess feel like this was something she would show to her children and their children one day.

There was only one problem.

The paper had spoken to ten students, a grid of two-by-two photos and quotes, names and graduation years printed below. But there were only two faces above the fold. There was Jess, but also the guy in the collared shirt, with his terrible quote. Jess’s friends agreed that it was a stupid thing to say. Miky, who lived across the hall, said, “Who pissed in his Cheerios?” And Jess’s roommate, Lydia, peered at the photo and declared: “He looks boring.”

Still, Lydia tacked the paper to the outside of their door. With a marker, she drew a frame of hearts and stars around Jess’s face. But there was no way to accordion the paper so that only her picture appeared. It cut off the text strangely and warped her smile. It was impossible to see Jess without seeing Josh. Eventually Miky took a Sharpie and drew devil ears and a weird mustache across his face, and that was better.

Eventually the tack hardened and the paper fluttered to the floor. At that point it was the spring semester and the hallway had devolved into a persistent, low-grade chaos: crushed pizza boxes, twisted extension cords, a mysterious pair of men’s underwear. And when the cleaning crew cleared out the dormitory between the spring and summer sessions, they swept everything, including that momentous reminder, into the trash.

But until that happened, Jess could return to her room each day and see the newspaper, like a talisman, stuck to her door, emanating strength and inspiration, and when she looked at it, she would think: We are standing at the precipice of a bright new world, hopeful and resolute, knocking on the door of progress, with the conviction of what’s on the other side.

And then she would slide her eyes to the right, to the photo of JOSH HILLYER ’12 and his terrible quote, and she would think: Asshole!

Brad and John and Rich and Tom’s and Josh’s desks are all arranged in a tight semicircle around a dirty carpet in the center of the room. In the bullpen, they are packed like sardines, swimming in pitchbooks and gym bags and coffee cups, so there is no space for Jess.

“We’ve got you over here,” Charles says. He is the most senior associate on the team, and Jess can tell he’s in charge because he wears his tie the loosest and calls everyone by their last name. Even more senior is Blaine, the team’s managing director, but he can’t be bothered to meet her.

Charles leads her to a row of desks along the wall. By now, after the all-day orientation, it’s after five, but the office is still buzzing. Still, the seat that Charles points to and all the ones that surround it are empty. The desks, though, are covered in equipment, telephones and Bloomberg Terminals and digital handsets.

Traders, Jess guesses.

Traders are the first ones in and the first ones out. When the market closes their day is done. Jess feels a tingle of excitement. The traders are loud and potty-mouthed and wear hideous pinstripe suits. The investment bankers, on the other hand, are nasty but humorless. Jess might have liked to be a trader but had missed the deadline to apply. Maybe this is a sign, an opportunity.

She imagines herself shouting orders into a phone, telling someone to go fuck themselves when she doesn’t like a price.

“So this is where the traders sit?”

Charles blinks. “No, not exactly.”

“Then what’s with all the telephones?”

“Switchboard,” Charles says. “Secretaries and stuff. You know, ‘Goldman Sachs, how may I direct your call?’ Switchboard,” he repeats. “Secretaries.”

“Oh.”

He pauses. “Yeah.”

By the end of her first month, Jess can say How may I direct your call? in four languages and she still hasn’t been assigned any real work. Her back is to the bullpen, but whenever she looks over, the other analysts appear to be chained to their chairs, heads bent over their desks, doing God’s work.

Jess is doing nothing.

It doesn’t help that when the bankers shout for coffee orders or someone to run to the copy shop, they do it in her general direction: a secretary is a secretary, even when she’s actually an analyst.

Just yesterday a harried-looking senior associate asked her to pick up a suit from the dry cleaner’s downstairs.

“Oh, I’m actually an analyst.”

He stared.

“So, I think maybe you should ask one of the admins?”

“I don’t have time for this,” he said, handing her his bright pink ticket. “Look, can you just help me out?”

She said she couldn’t, but then hid in the bathroom for fifteen minutes so that he wouldn’t see she had nothing else to do.

Jess begs Charles for something to do.

She reads an article about women and work. It says: “It is incumbent upon females in male-dominated workplaces to create their own opportunities for development.”

She says to Charles, “It is incumbent upon females in male-dominated workplaces to create their own opportunities for development.”

He squints.

“And so I was hoping you could help me. Create an opportunity? Like, give me something to work on?”

Miky sends Jess a link to a video of Nicolas Cage superimposed on a teenage girl’s body, wearing white panties and a tank top, swinging from a giant cement wrecking ball.

Jess clicks on it.

Charles walks by her desk right then and says, “I see.”

Later, he drops a stack of public information books on her desk.

“Jones,” he says, “I need some numbers.”

“Great.”

“Should be pretty straightforward,” he says, flipping through one of the books. “If you log in to the server, you’ll see we’ve already got a template. I just need you to tune the model and run a few different comps. Got it?”

“Got it.” Jess eyes the stack of books. “When do you need this by?”

Charles says, “Yesterday.”

It doesn’t occur to Jess that she has no idea what she’s doing until it’s too late to ask for help. The only person who offers is Josh, though not because he actually wants to help, but because he is her buddy.

On her second day he appeared at her desk.

“Hey, Jess.”

She spun around so that she was face-to-face with his waist. “Josh, hey.”

“I’m your buddy,” he said.

“Excuse me?” she said, to his belt.

“Your buddy,” he said.

She pumped the lever on the side of her chair and dropped three inches in her seat. Her face was still uncomfortably close to his crotch so she stood.

“So what does that mean? You’re my buddy?”

“I’ve been assigned to help you. To answer questions if you have them,” he shrugged. “They try to pair every first-year analyst with a second-year analyst, kind of like a mentor. They picked me for you. Probably because we’re from the same undergrad.”

“But you’re not a second-year analyst.”

“Close enough,” he said. “Anyway, I’m here.” And then he walked away.

Now every night before he leaves, if it’s before she does, he asks if there is anything she needs help with. But he’s always holding his phone and his bag and wearing his jacket, and his corporate badge is already in his pocket, so that Jess can tell he doesn’t mean it. It’s just something to say and, anyway, her desk is right next to the elevator.

Of course she needs help, has questions. How is a debt capacity model different from a credit risk analysis? How does the federal funds rate affect LIBOR? How come her key card doesn’t work at the gym on the first floor?

But he is the last person she wants to ask. She can tell he thinks she’s an idiot, that she doesn’t belong here. She catches him sometimes, looking at her sideways. Interested but unimpressed. Like he’s waiting for her to mess up.

Plus, he’d already made his feelings clear.

That class they’d had together senior year: Supreme Court Topics. Each week they debated a different landmark decision, and someone was always shouting. Or sharing a pointless personal anecdote. Or invoking the founding fathers to prove a stupid point. Jess hated it, but it fulfilled the undergraduate Law & Society requirement.

They sat around a big wooden table that was meant to foster “active dialogue,” and the discussion was student-led, the format purposefully discursive, so that even if one day, for example, the syllabus said Grutter v. Bollinger: Affirmative Action, they might spend half the class arguing about basketball and standardized tests until someone groaned: “Is anyone else completely bored of this debate?”

It was the guy from Jess’s door, JOSH HILLYER ’12, who cared about the price of gas and hated Barack Obama. Who Jess had managed to avoid since freshman year, but who had reappeared three years later. Still with the newscaster hair and the terrible takes.

Jess had turned and glared. Not because she wasn’t also bored of the debate, but because she knew he was bored for the Wrong Reasons. He’d said what he said on the front page of the school paper, but it wasn’t just that: it was everything about him. His Choate sweatshirt, for example, which made Jess think of lawns and regattas and gin cocktails and haughty blondes. And there was something about his face. It had been there in the school paper, that something, but the effect was more pronounced in real life.

He looked like what a fifth grader might come up with if asked to draw a man, all even lines and uncomplicated symmetry. Square jaw, blue eyes. Like someone to whom life had been incredibly kind. Like a guy from an old sitcom who condescended to his wife.

“It’s 2011,” Josh had argued, “why are we still having this debate? How does throwing open the doors to elite universities fix discrimination? The problem is broken homes and blighted communities. That’s where policy interventions should start. In homes, in neighborhoods, in schools.”

“This is a school,” Jess had pointed out.

“Whatever,” another classmate said. “It’s reverse racism.”

And Jess had said, “If that were a thing!”

Another classmate: “People shouldn’t get into college just because they’re Black.”

“Sure,” Jess replied, “because my college application was just the words ‘I’m Black’ repeated one thousand times.”

Someone else clarified, “I think his point is that we shouldn’t take race into account at all.”

“Exactly. Affirmative action isn’t fair.”

“It’s not meritocratic.”

“It’s not constitutional.”

“It is kind of outrageous that there’s essentially a double standard based on, you know, melanin.”

“What about the double standard for athletes and legacies!” Jess’s heart was pounding; she felt a little wild-eyed. “Isn’t that the outrage?” She searched the room—for what? For someone who might agree with her? That wasn’t going to happen. They would make their dispassionate arguments, and when class was over they would calmly pack their textbooks away and Jess would be the only one who’d felt like she’d been kicked in the teeth repeatedly.

She took a breath. “My point is just that anyone with a squash racquet or a trust fund is automatically exempt from scrutiny. No one’s asking if they’re qualified. Why?”

“That’s not the same thing, and you know it.”

“Yes, it is.”

“No, it’s not.”

“Yes, it—!”

The professor cleared his throat. “Let’s bring it back to the case at hand. Was Grutter’s claim valid? Or was the court’s decision, on balance, unconstitutional?”

Jess sighed and sat back.

To her right, Josh leaned close.

He whispered, “Is that really your argument? That legacies and affirmative action are the same thing? I mean… really?”

Jess had ignored him and pretended to pay attention as someone prattled on about why it didn’t make sense for universities to “lower the bar.”

Josh slid his elbows over the table so that his clasped hands rested on Jess’s notebook. So that she could smell the fabric softener on his sleeves. “Come on,” he had said, his voice low. “I don’t believe you believe that.”

Jess had picked up her pen, drawn a series of squiggles and spirals in the upper right corner of her notebook. Avoided eye contact.

“At least you see how it’s a false equivalence, right? You do see that, don’t you?”

All Jess saw was his pale wrists, the titanium watch ticking silently. His father had probably given it to him on his eighteenth birthday. Along with a fifty-year-old bottle of scotch and the passwords to all the brokerage accounts.

Jess didn’t reply.

He leaned closer. “So you really think relaxing admissions standards for ‘underrepresented minorities’?”—here he used air quotes, which confirmed for Jess that, yes, he was the worst—“is an acceptable mechanism by which to achieve”—more air quotes—“?‘equality?’?”

This was why Jess hated Law & Society. It was always the same story: oppressed peoples, willful misrememberings of history, a whiff of white supremacy. Unlike calculus or economics, in which the professor silently scratched out the answers at the front of the lecture hall, and in which there was rarely controversy—unless someone got started on infinity!—in these liberal arts classes people insisted on shouting out their opinions, no matter how unseemly. It was a lot to endure for a couple of college credits. Yet here she was.

And there he was. Breathing. Staring. Forcing her to engage. Emanating smug entitlement. Waiting.

“So you really believe that having a certain skin color is as good as possessing some demonstrable skill or talent?” He shook his head. “Seriously?”

Why couldn’t he just go polish his watch and leave her be?

But he wouldn’t let it go. He kept shaking his head, saying, “I don’t believe you believe that,” until Jess said: “Josh?”

He leaned toward her, expectant, and Jess tugged her notebook from under his wrists. “You’re on my notes.”

He seemed momentarily startled but was undeterred. “You realize you’re essentially arguing that ‘diversity’ matters more than merit.”

She was losing patience. “Well, you’re arguing that swinging a squash racquet is equivalent to four hundred years of slavery and systemic inequality!”

Around the table conversation stopped.

Everyone looked over. It occurred to Jess that she wasn’t exactly whispering, wasn’t even really using her indoor voice anymore.

The professor frowned. “Jess? Did you have something to add?”

This always happened: She got sucked in. When she would rather say nothing, just sit quietly playing number puzzles on her phone under the table.

At the same time she accepted, begrudgingly anyway, that it was her responsibility to Say Something. This Jess had learned from her father, who, throughout her Nebraska childhood, seemed perpetually to be saying something. Demanding that the Walmart manager stock multicultural dolls while Jess stood behind him, mortified. Driving across state lines at Christmas to find the only Black Santa in the Great Plains. Pestering the principal about the lack of books about Black history in the school library.

He was doing his best, Jess knew. Compensating, probably, for the fact that her mom had died when Jess was a baby. But sometimes she wondered why he bothered. Wouldn’t it have been easier to move? Instead of yelling at her teachers for fucking up the Civil War unit? Or buying knockoff Barbies? All she had wanted was to fit in, not to read another children’s biography of Dr. Martin Luther King.

Not to have to whisper-fight with Josh, in his prep school sweatshirt with his newscaster hair; not to have to defend herself, her race, her right to be there.

Later that night, at the bar where everyone went, he tracked her down and dragged her back into the conversation. It was nine o’clock and everyone was drunk. Avenue Tavern had sticky floors and a sign above the door that said FREE BEER TOMORROW. Fifteen dollars and a fake ID bought twenty-five-cent well drinks all night long.

Jess had drunk cranberry vodkas until she ran out of quarters and when the room started spinning she found an empty booth near the bathroom. She had only been there for a minute when she felt a depression in the fabric. A body next to hers. She had opened one eye, cocked her head slightly.

“Jess, right?”—it was him—“Josh,” he introduced himself, formally, sticking out his hand.

She ignored it, closed her eyes again, hoping he’d go away.

But he didn’t. She could hear him rattling ice around in his drink.

“So,” he said, “your argument in class today was pretty thin.”

Jess said nothing, slid a little bit lower in her seat.

Josh ignored her ignoring him, pressed on. “As a direct beneficiary of affirmative action I see why you’d want to defend it. I get it, I do. But you can’t really believe, I mean intellectually not emotionally, that relaxing admissions standards is an appropriate mechanism by which to address systemic inequality. Sending kids to schools that they’re not qualified to attend? That’s helping? Besides, it’s completely unenforceable. I mean the real problem with inequality in this country has nothing to do with race, right? It has to do with class. How is it fair that a rich African American kid with mediocre grades and test scores gets preference over some poor kid from Appalachia who’s had even less in life?”

“So, you’re asking me, the expert”—Jess finally opened her eyes—“why we don’t have affirmative action for poor white people?”

He nodded. “I mean that’s fairly reductive, and I sense some sarcasm, but yes, I’d like to hear your thoughts.”

“My thoughts are”—she took a sip from her drink, melted ice that tasted of metal—“fuck you.”

He shook his head. “It’s like pulling teeth, trying to have an honest intellectual conversation with anyone at this school.”

“Maybe you’d be happier at Appalachia State.”

“Funny,” he said, and got up.

But then he was back.

“Here.” He pushed a glass of water at her and Jess had to make an effort not to say thank you.

“So,” he said, one arm slung over the banquette, “what are you doing next year?”

“What?”

“After graduation. I’m working at Goldman Sachs. You?”

“Oh.” Jess shrugged. “Don’t know.”

“Really? You don’t have anything lined up?”

Jess shrugged again. “Maybe a nonprofit that does something with kids. Or an art gallery.” That was her roommate Lydia’s plan. Rent an apartment in the West Village or Brownstone Brooklyn and take taxis to her full-time internship at Christie’s in Rockefeller Center.

“A thing with kids? An art gallery?” Josh shook his head. “Those aren’t real jobs.”

“Okay, well, not everyone wants to grow up to be Gordon Gekko, yelling at their secretaries and raiding pension funds just to buy more caviar and purebred dogs. Some of us would actually like to give something back.”

“Give something back? With a forty-thousand dollar salary?”

“Funny,” she said, “I didn’t realize everything was about money.”

Jess wanted to believe this more than she actually believed it. Wanted to affect a casual relationship with money. To seem like she could take it or leave it. She didn’t want to seem too hungry. Or desperate. Or striving. None of her friends wanted jobs in finance. They wanted to volunteer, to seek fulfillment, to make art. And why not? They were right. Money didn’t matter.

Unless you didn’t have any.

Or you wanted to be taken seriously.

He raised an eyebrow. “So what, you’re going to pay rent with… IOUs?”

“Josh.” She looked at him, exasperated. “Why do you care?”

“I’m curious, that’s all. Is it because that’s what your friends are doing? I thought you were different.”

“Different from what?”

“From your friends.”

It was true that in many ways Jess was different from her friends; from Lydia, who had attended a boarding school in the Alps where they broke at noon for cheese and chocolate and whose father was the president of a Swiss bank. Or from Miky, who wasn’t a member of the Korean royal family but who seemed like she could be—she had a way of insisting that she wasn’t that made it seem somehow truer. But they had been friends since freshman year and it rankled Jess to think that her efforts to obscure those differences had failed, and that some guy at a bar, in a pink shirt, would call it out.

“What do you mean different?”

“Not an art gallery girl.”

“I’m sorry.” Jess was taken aback. “Do you know me?”

“Don’t be defensive,” Josh said. “Some of us had to work to get here. Some of us will have to work after we leave. I’m guessing that’s you too.”

“You don’t know anything about me. You think just because I’m Black I’m poor? How enlightened.”

“Well, I mean statistically, that’s the reality. It’s just numbers. But that’s not what I was saying. It’s something else. You seem…” He stopped, searching for the right word.

Involuntarily, Jess leaned toward him. “I seem…?”

He ran his finger around the rim of his glass. It whistled, low and melodic, like a whale. “Keen,” he said finally.

Keen? Keen? Jess would have been less offended if he’d told her she smelled like hot garbage.

“Josh?” she pointed across his lap.

“Yeah?” he said, but didn’t move.

“I’m leaving.” She pushed past him out of the booth, spilling both of their drinks as she did.

At the bar, Lydia was ordering another round. “Who was that?” she asked, handing Jess a shot. “He’s cute! Are you going to bone?”

Jess tipped her head back and the icy liquid burned. She let a wave of nausea pass through her and then wrinkled her nose. “You don’t recognize him?”

“Should I?”

“He’s the guy from the paper. Freshman year. Devil ears?”

“Oh, yeah!”

“So no, definitely not cute.”

“Hmm.” Lydia made a face.

“What?”

“Just,” Lydia shrugged, “I don’t know.”

“Well, I know,” Jess said, shaking her head, “and we hate him. He sucks.”

“I’m heading out,” Josh says. “You good?”

And because she is desperate, Jess goes off script: “Actually, I might have a question.”

He looks at his watch, “What is it?”

“It’s just this model Charles asked me to do. It’s kind of giving me trouble?”

“You’re not done with that?”

“Not exactly.”

She taps her computer and it hums to life. She hopes to impress, or intimidate, him with complicated numbers and figures that appear on-screen. But he immediately recognizes what she’s doing.

“A precedent transaction analysis?” He leans over Jess, pecks at her keyboard and flips through various documents on her desktop. He narrates each document as he goes: “Discounted cash flow, balance sheet, cost of capital.” He looks at Jess. “So what’s the problem?”

“I don’t know.”

He looks at her screen. Toggles back and forth between the various spreadsheets. His face is just inches from hers. He smells like store-brand soap and Altoids. “Do you even know what you’re doing?”

“That depends on how you define ‘know’ and ‘doing.’?”

“Christ,” he says, wheeling over the chair from the desk next to Jess’s. He sits. “Where are you calculating the discount rate?” He is keying over the cells of Jess’s spreadsheet; his fingers dance over the keyboard like a pianist’s.

“Here.” Jess points to the screen.

“This is wrong.”

Jess doesn’t disagree.

“You need to take the weighted average cost of capital”—he picks up a public information book from her desk, pages through it, picks up another and turns to the appendix—“from here”—he points to a number on a page, grabs a yellow marker and highlights it—“and then use that to drive the model assumptions”—he points to the screen—“here. See?”

She nods.

“Here, scoot over.” He rolls his seat toward her and pulls the keyboard into his lap. “Do you know how to set up dynamic named ranges?”

She shakes her head.

“Christ.”

But he helps her.

He is a little hostile, but also patient, like a German schoolteacher. And eventually it gets done.

She sends the model to Charles first thing in the morning and immediately receives a response: “Come see me.”

Jess flies over to his desk. He is leaning back in his seat, one leg crossed in a triangle over the other, bouncing a rubber band ball against the corkboard wall. The model is open on his computer.

“You rang?”

He swivels toward her. “What is this?”

“It’s the model you asked for.” Jess stops herself from saying more.

“Calibri?”

“Um.”

“This isn’t a fucking humor magazine. Next time you use Arial. Or Times New Roman if you’re feeling fresh.” He snaps a single rubber band just over her shoulder. “Got it?”

Jess finds Josh in an empty conference room.

“Thanks again for your help last night,” she says.

He ignores her, just keeps scrolling through his phone.

Jess says, “No ‘You’re welcome, Jess’? No ‘Happy to help, Jess’? No ‘Anytime, Jess, what are buddies for’?”

“I had plans,” he says, still staring at his phone.

She is trying to be friendly. To say thank you. But, fine.

“What, did you miss your Young Republicans happy hour or something?”

He finally puts his phone down, looks up, raises an eyebrow.

Jess wonders if she’s offended him, wonders if she cares. Implying that someone is a Republican is not an insult, not technically. Especially not at a bank. But he definitely is, Jess is pretty sure. In their Supreme Court class he was always talking about fringy economic things, like payroll taxes and public debt. Once, she’d run into him at the school bookstore and watched him pay for a pack of gum with a hundred-dollar bill.

“Funny.” He picks up his phone again.

“Well,” Jess says, headed for the door, “for what it’s worth, I do actually appreciate your help.”

Outside, the city is teeming with new college graduates, everyone looking to have a good time. It’s late August, and the hot sticky heart of the summer has passed, so it feels like spring.

It reminds Jess of college, when the entire student body emerged from the gray winter in short shorts and plastic sunglasses and dragged couches out onto front lawns. Sometimes they would cut class, Jess and Miky and Lydia, and sit on a patio drinking sun-warmed beer and spicy margaritas until their heads would spin.

But that’s all over now.

Miky and Lydia make new friends, while Jess is stuck inside.

Their new friends, the Wine Girls, are sunny California optimists with trust funds and tangled hair whose parents grow grapes in the Napa Valley, who believe in free love and acupuncture and private space travel and electric cars.

Jess meets them one night, when she sneaks out of work at a reasonable hour. The bar slash restaurant is dark and loud, and in the heat of the crowd Jess feels nostalgic.

She finds them all sitting at a small table crammed with cocktails and tall glass bottles of sparkling water.

Everyone screams hello and then the Wine Girls shout over the music, “Why are you wearing a suit?”

Jess sits down and shout-explains that she works at Goldman Sachs.

They frown over their cocktails and shout back, “That sucks! Why do you work there?”

Silently Miky slides a drink in front of Jess.

The Wine Girls don’t let up. “How can you work there!”

“It’s not that bad,” Jess shrugs.

“Not that bad! Goldman Sachs is the great vampire squid!” the Wine Girls insist, “attached to the face of the economy, sucking it dry!”

A waiter materializes.

“Ooh,” Lydia lights up, “should we order the squid?”

The Wine Girls inform Jess that, given her hundred-hour workweek, she’s essentially making minimum wage, less, probably, than she would slinging burgers at a fast-food place.

This is not true, obviously, and more importantly, working at McDonald’s doesn’t come with the imprimatur of the most powerful and important bank in the world. Or the begrudging respect of people who might otherwise write her off. Or black car rides home every night. But the Wine Girls aren’t completely wrong; Jess kind of hates her job. It’s boring, and no one is nice to her, and all the midweight wool makes her itch. She barely sees her friends, barely sleeps, barely eats anything that doesn’t come in a take-out box. When Lydia asked, Jess complained about life on the front line.

“Lyd, it’s awful. It’s just a bunch of dudes, in suits, doing shit and saying shit. All day. Every day.”

“Well,” Lydia said, “the patriarchy wasn’t dismantled in a day. At least there’s no line for the ladies’ room.”

This was not the case in Lydia’s own office, a boutique auction house, where two-thirds of the employees were women and where the toilet was always clogged with tampons and glitter.

Jess fantasizes constantly about a different job.

Like Lydia’s job at the auction house, which can be demeaning, but has a decidedly glamorous air. Or like the Wine Girls: Callie, who works at a cookie dough startup, and Noree, who works at an eco-first company that makes shoes out of recycled bamboo. Even Miky, who’s an account coordinator for the world’s biggest creative advertising agency, is still home by six every day.

It would be nice: a fake job and a nice apartment and parents who pay the bills.

Instead: student loans, a studio that eats up half her salary, people always and forever looking at her sideways.

Jess’s dad calls.

“Well,” he asks, “are you giving ’em hell?”

She knows what he wants to hear. That she’s showing up early and leaving late; that she’s beating them at their own game. Growing up he’d said it again and again. She needed to be twice as good to get half as much. He was right, she knew, but she resented it. Why did her success have to be predicated on perfection instead of, say, a vague sense that she was someone people would like to have a beer with?

Still, she tries. To keep up, to keep her head down, to make herself useful. Even though she’s not sure anyone notices. And while she’s definitely better than Rich, who graduated from Harvard but still can’t spell Wednesday, it’s not clear that she’s better than Josh, who can do a discounted cash flow with his eyes. She considers telling her dad the truth: that she feels like a baby sometimes, needy and helpless. That she is the only one at a loss, the only one who doesn’t have a strong opinion about The Things That Matter: the price of soybeans, the nuances of Glass-Steagall, the new menu at the University Club.

But she can hear him smiling, waiting, on the other end of the line.

So instead she says, “You bet. I’m great. I’m awesome. Everything’s fine.”

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