I got to be mission control for a crime. Normally, I’m a hands-on kinda person, but watching and advising turned out to be fairly entertaining, too. Gave me an idea or two for the future, while we’re at it.
So the first part was fairly simple. When I’d talked to Professor Electro, we’d gone over that there were two main ways to start things. Either hit someplace smaller and leave enough of a mark that everyone knows he did it, or get it into position for the big score and perform a demonstration there. The problem is the lack of time. You start throwing lightning bolts around, you either wind up with significant police and hero attention or a bunch of worshipers. I suppose it depends on who you aim at and if anyone wants to base a system of governance on some guy on a mountain handing out lightning bolts.
We opted to try a demonstration first. Everything and everybody fit into a moving truck that stopped outside Global United Trust. The bank, with offices only in the United States, is particularly divisive after losing a lot of people money back during the financial crisis. Like the rest of the people, they got into the mortgage-backed security business.
Not sure if I’ve explained that before. This is going to be one of the more boring, educational sections for y’all, but parts of it are important for understanding the overall scheme.
Basically, big banks started making home loans so they could use the debt as an investment. According to Einstein, compound interest is the most powerful force in the universe. Regular interest is pretty strong too. This doesn’t sound that bad so far, but where they really got greedy is when they realized they’d made about all the loans people could afford. So banks began to go after people with worse and worse finances by making the payments look small at first and by telling these people they could afford it. After all, they’re banks. Why would they ever want to lose money by loaning money to people they know can’t pay it back? Well, they did because the mortgage-backed securities were so juicy and could even be sold off to make immediate money.
This only lasted as long as people kept paying their mortgages. I said they made the payments look good at first, remember? Yeah, once a certain amount of time passed, those payments went up. Or giving a loan to people with no ability to pay it back led to the natural consequence of them failing to keep paying it. Either way, that amazing source of income suddenly got cut off. But don’t worry; the banks insured many of those investments.
Of course, as y’all may or may not realize, too many expensive claims coming in at once messes with an insurance company’s ability to actually pay out. Insurers don’t just keep premiums in bank accounts to earn interest for them. Well, some of it they do. They’re required by law to keep at least a certain minimum in there. The rest is invested to make more money. Anyway, the companies who insured these securities weren’t able to pay the claims and started going bankrupt, which suddenly meant that all these banks were going to lose their money after all. On top of that, there’s apparently this thing called a credit default swap where people essentially took out insurance on other people’s debts that would pay out if the other company defaulted, which made a killing for a lot of people, up until they realized that the people who owed them money didn’t have it to pay.
That really exacerbated things. Dear readers, y’all shouldn’t exacerbate so much. You could go blind.
That, FINALLY, is where Global United Trust came in. They made a lot of money in the short term, then lost a lot of money. Global United Trust being quite a bit smaller than some of these banks at the top, they could have lost a lot of people’s lunch money. You earn a fuckton of bad will by telling people “Sorry, you can’t have your money back because the bank needs it to pay off our own debts.”
That’s why runs are so dangerous, and I don’t just mean the sort caused by adding too much Rotel to your taco meat. Banks also only keep some of the money in people’s savings accounts. They reinvest too. That’s one of the ways they actually make money, doing things like investing in bonds, real estate, and mortgage debt.
All of that is why most of the money in the United States doesn’t exist in dollar form. Ones and zeroes, just like the financial stratification of the U.S. And, hey, I know I sound like the Red Menace here, but I wouldn’t have to steal from the megarich if they spread the wealth around a little more. If people could make good money from middle-class people with less risk, they would rob them instead. Simple as that.
That’s why we went after Global United Trust. Prof. Electro hopped out of the van, accompanied by a half dozen men and women wearing black coats, black gloves, black pants, and wearing black Lycra underneath all that to further protect their identities. According to Carl, minions hate being identified working with specific villains. It gets them punched on more often by heroes, or charged as accomplices to actions that would be crimes even during wartime.
Before anyone could get a good look at everyone, the Professor and his crew headed down an alley next to the bank and popped open an exterior door to the security room. I’d sent out some interns to find the blueprints for the bank. Don’t say Chat Des Combes didn’t get me to listen to at least some advice before the French catburgler in the skintight suit turned on me back in Europe.
I’m already changing everything about how I operate, so I might as well take in the occasional piece of good advice. Keep the good, ignore the bad; “but test/examine everything. Hold fast/on to what is good,” as the Christian holy book says in stark contrast to the bumper sticker that reads “The Bible says it, I believe it, that settles it.”
Once in the security room, the security guard cashed in his life insurance policy and the team plugged a USB drive into the security computer that gave me control over it for my viewing pleasure. They then spread out, some through the connecting hall and some through windows that gave office workers a scenic view of graffitied alley walls. Coming up behind everyone, they forced tellers down at electro-gun point.
Professor Electro’s own creations, the electro-guns are designed to shoot electricity at people in defiance of conventional physics. Tasers have to use those little line things to convince electricity to go through another person before it heads to the ground. Lightning is a notorious hippie like that, always trying to hug the Earth. And no, he wouldn’t tell me how he does it.
The civilians went down also, except for some old guy who pulled his concealed handgun and then dropped it once his heart attack started. Professor Electro, resplendent in his lab goggles, breast plate, and lab gloves, marched the bank manager out in full view. Two of the minions went to work packing up the teller cash while the other four ran out and unpacked the Lightning Rod. I used the capital letters because Electro named it that. It isn’t actually a rod. It looks more like a box with four swirly antennas on the sides and a pump going through the middle.
The minions had to get it out because it needed a straight shot to the sky with its antennae. I told the Professor I could get a chop shop to add a sun roof to the truck if he gave me enough time, but he wanted to hurry on this one.
“Everyone, please file outside into the street!” Prof. Electro announced, waving his electro-pistol around the room.
This is where he and I had a bigger difference of opinion. I’d suggested he just bring out the manager, or even leave them all in there. The Prof. Insisted that we minimize casualties. This from the guy who wanted to threaten the entire city with the machine! When he told me that, I wished I had a metal glove or something to hit him upside the head with. Even though I shut him up in the office by pointing out that he should be willing to carry through with whatever he’s threatening, he called an audible in the field and led them all out. I even heard him mutter over comms, “We could have taken the one in the office if not for that psycho henchwoman.”
Louder, addressing the crowd, he said, “Behold! I will now demonstrate the power of my Lightning Rod!” With that, he ordered the henchmen away, revealing his Rod to the assembled hostages to great gasping. He set to work, adjusting the knobs and levers. The tips of the swirly antennas glowed, then released beams of pale blue light into the air. Almost immediately, lightning crackled across the clear sky and a bolt struck the bank, trashing the electronics.
Professor Electro and his somewhat-stunned gang cleared out of there before anyone knew it caught fire because the police were on their way at that point. Even without alarms, plenty of people had cell phones outside to catch the attack and report it, with videos making it to Youtube before Prof. Electro even escaped.
The next day, Prof. Electro stood atop 30 Park Place, a skyscraper still under construction. A shame we couldn’t use one of the better looking buildings instead of one of these newer monstrosities. I actually like the arches and points of the ones from the early 1900s as compared to the giant glass sticks everyone wants to put into the sky nowadays. It also didn’t help that some of those older ones house financial services. Prof. Electro and I considered some of those, but he accepted my reminder to back up his threats if necessary. And he definitely didn’t want to be on one of those buildings when struck.
So he sat on the roof of 30 Park Place, not passing Go, not collecting $200, and addressed a Giant Screen that featured icons of a dozen major banks and insurers who had interests in the residential and commercial buildings of New York. “Ladies, gentlemen, parasites… what I did to Global United Trust was only the tip of the iceberg. Pay the amount I forwarded to each of you to the accounts I forwarded to you within the hour, or the entirety of the iceberg will fall upon you like the Titanic…which really sunk by aliens, but nevermind that now. You can lose millions each….or this wonderful skyline becomes target practice and you lose everything, just like what the aliens did to the Titanic.”
I wasn’t sure about letting them know they weren’t the only ones in that boat, but the Professor claimed it would set them at ease to know that they weren’t the only ones in that situation. They got to keep it within the family, with an understanding that they could help each other get out of it.
I invited some others to watch the view from the cameras, satellites, and Giant Screen. Moai pulled up a recliner just in time for Crash to settle into it when Carl walked into the art gallery. “Hey boss, I got the cooler!”
“Good, hand me soda.” I held up my arm, hand in position to hold a bottle. “Hail Hydrate!”
Carl handed me a bottle. “Hail Hydrate, boss.”
“Hail Hydrate?” Crash asked.
“Hail Hydrate.” I told her.
She held up her hand. “Hail Hydrate!”
Carl handed her a drink. “Hail Hydrate.”
We didn’t have much of a view for awhile as the clock ticked down. Prof. Electro got his ass out of there. Then, at about the thirty minute mark, Forcelight flew into view. She glowed white, which matched her long hair and blank eyes. She’d altered her costume, though. She wore clingy black and grey with gold trim.
It figured. As the owner of a medical company with a lot of hospitals and research facilities, she and her board probably had connections with one of these captains of finance. The project that gave Forcelight her ability to fly and manipulate light as if it were solid put a hit in the coffers of Long Life, her company. The resulting loss of money forming a superhero team called Shieldwall actually convinced the Long Life Board of Directors to remove much of the financial decision-making power from her.
They needed the money, in other words, and she could get back in her own people’s good graces by helping out. She wasn’t quite who I expected to fly in and try to save the day. I’d hoped for another sighting of my dear Venus. I’m sure I’ll get over it.
“There’s no one here. Just the screen,” she spoke to a device on her wrist.
I held up my phone and spoke, my voice coming out of the screen. “That’s right. Professor Electro can fire his device from anywhere in the city. Much of this was a deception, I’m afraid. But you don’t shouldn’t worry about that. You have bigger problems.”
She blasted the screen to pieces, then looked around, noticing the situation she’d fallen into when she wasn’t looking. The Oligarch, Terrorjaw, Man-Opener, Giuseppe’s Toy Soldiers, and numerous other villains flew into view from lower floors of the building. Herne the Hunter rode his motorcycle up the side of the building and landed it on the roof, aiming his spear right at Forcelight, his ghost hounds appearing at his heels.
You could almost hear the ding as the lightbulb went off in her head. Maybe that was the ka-ching as the various accounts on my side computer monitor began to fill up with the requested amounts. Or, more likely, it was the microwave announcing that our popcorn was finished right at the best part.
Still, a shame we didn’t fire off that Lightning Rod again, but at least my little Psycho Sanitarium got itself a new tenant.