‘It was OK. Awful, but you know what I mean.’ I kick my bag further under the table.

‘What’s that on your head?’ She points to the purple bump on my forehead and frowns. ‘Did you have a fight with someone? Did your mum behave herself? Or did she try and snog the vicar and you got in the way?’

Cathy knows my mother of old. She remembers our parents’ evening of 1991. She actual y saw Mum with Mr Johnson.

‘It’s fine.’ I laugh, though I feel a stab in my side as I think of my mother. I remember how jumpy she was al yesterday, see her distraught face as she remonstrated with Guy, waving me and Octavia goodbye, hear Octavia: ‘ Do you really not know the truth about her? ’

‘Just a bump.’ I don’t want to, can’t, get into that at the moment, not even with Cathy. ‘They’re al pretty mad, my family. You know that.’

‘They are,’ Cathy says briskly. ‘It’s a wonder you’re not a complete mentalist, Nat, I’ve often thought that. Or even more of a mentalist than you are, if you know what I mean.’

‘That’s so kind of you,’ I say. ‘I want to know how you are, though. What’s up with work? Why’s it terrible?’

‘I think my boss hates me. Genuinely hates me.’ Cathy is stil staring at my head. ‘Look, forget about that. How was the meeting this morning?’

There’s a noise in the corridor and my eyes dart to the door. I don’t know why I should care; I’m paranoid about anyone, apart from Cathy and Jay, knowing how stupid I’ve been. Even Oli doesn’t know the ful extent of it. I hid it from him, just as he hid things from me. I don’t want Ben, for example, to walk past and accidental y hear the reality of my idiocy. Why should I care what he and Tania think? I don’t know. But I don’t want him to feel sorry for me. I’m sure he already does, and I wish he didn’t. I don’t want him to know how stupid I am either.

‘Um—’ I put the cutlery and plates on the bench and reach for some napkins which I keep in my apron pocket. ‘It was pretty awful.’

‘Oh, no.’

‘No, it’s fine,’ I hasten to explain. ‘I have to find a thousand quid now to pay back the defaulted loan payments. But I can put that on my other credit card.’ Cathy whistles. ‘And I have to pay off the overdraft, two hundred pounds a month plus interest. And they won’t, like, cal the debt col ection agencies in, or the police, or take me to court.’

‘Ha-ha,’ says Cathy. She pul s her ponytail tight with both hands, as though she’s flexing her muscles. ‘Right.’

‘No,’ I say. ‘I’m serious. They were going to.’

‘Jesus,’ she says. She looks genuinely shocked. Cathy has never been in debt, always pays her credit card off each month. She never even gets the ticket gate beeping at her because her Oyster card’s run out. That’s how organised she is. ‘I didn’t realise it was that bad.’ Then she asks awkwardly, ‘How did it – er, how did it get to that stage then?’

‘I know how it got to that stage,’ I say. I gesture to the one chair and give her a plate and fork. ‘I’ve been a fool. Sit down. Eat some of your food.’ I pour her a glass of apple juice into a navy chipped mug that says ‘Tower Hamlets Business Seminars’. ‘Drink.’

Cathy cuts some of the quiche away with her fork. ‘It’s been a hard time for you though, Nat.’

‘Maybe, but it’s my fault. I haven’t been doing it properly,’ I say simply. ‘And I’m fucked as a result. If Granny knew she’d be horrified – she was so proud of me. Man alive.’ I shake my head when I think about Granny now, I think about her in the diary, her impatience with Miranda, her daughter, as though she knew she was a bad seed. Did she know?

No. I shake my head. I have to stop these thoughts, at least til I know more. ‘If she’d had any idea I’d be leaving her funeral early to come back for a business meeting to stop me being taken to court by the bank . . . if she knew how much I’ve screwed it up . . .’ I think of her and how much she loved me, how I felt that love al through my childhood. It’s hard to admit it but I plough on. ‘She’d be so disappointed.’

Cathy is concentrating on her quiche on the plate. She says after a pause, ‘I don’t think she would be.’

I laugh. ‘Bless you. But I think she would. She was real y proud I did fine art at uni. She was so disappointed when I didn’t become an artist, and she was OK with the jewel er thing because she thought it was arty. She didn’t expect me to go bankrupt, did she.’

‘I think you’re being too hard on yourself. It’s real y tough out there at the moment, apart from anything else,’ Cathy says. She swal ows and clears her throat. ‘Not to be rude, but you know, I always thought . . .’ She stops. ‘Actual y, forget it.’

‘What?’

‘Nothing.’

I’m laughing. ‘Come on, Cathy! What?’

‘I always thought she was pretty hard on you too, if you want me to be honest.’

‘Who?’ I don’t understand her. ‘Your granny, Nat.’

I scoff, it’s so unlikely. ‘No, she wasn’t!’

Cathy says slowly, ‘I just remember, when we went to Summercove, the summer after we’d finished our A levels before you went off to col ege, she’d make you paint instead of coming down to the sea with me and Jay, and then she’d critique you. When she hadn’t painted herself for like thirty years, and you were only eighteen!’ She winces, as though she doesn’t like the taste of what she’s saying. ‘I think it was unfair. Like she wanted you to be something your mum wasn’t. Or Archie wasn’t. You know?’

That’s so outlandish I goggle at her. ‘Cathy, it real y wasn’t like that!’ My voice is rising. ‘I wanted to learn from her.’

‘I know, I’m sorry.’ Cathy is a bit red. ‘I just think sometimes she was using you to make up for disappointments in her own life. Please, I didn’t mean anything by it. Forget it. I’m just glad you’ve sorted it out. You have, haven’t you?’

I think of my already huge credit card bil ; I’ve been putting things for the business on that, too, of late, instead of putting them through the account. I am going to be very poor. These last couple of weeks without Oli to split the bil s for food and cabs and toilet rol s have already taken their tol . I nod. ‘I have. It’s going to be tight, but I think I have.’ I touch the ring around my neck. I’m going to start sketching tonight. I take another sip of apple juice and lean forward, patting her arm. I am perched above her on the stool, she is in a low chair, so this is more difficult than it might be. ‘I’m sick of talking about me, though. How’s tricks? Tel me. I haven’t seen you for ages.’

‘Oh, OK.’ Cathy shrugs, so that the shoulder pads in her suit jacket shoot up, almost to her ears. ‘Had another date with Jonathan on Friday.’ I raise my eyebrows.

‘Hey, how was it?’

Just then the door opens and a thick head of hair pokes round. ‘Nat?’

‘Ben!’ I stand up. ‘Hey, come and have some food.’

The hair advances into the room, fol owed by its owner, my neighbour. He looks quizzical y at the meagre quiche, half-eaten, on the table, and the smal salad next to it. ‘No, thanks. I’m on my way out anyway,’ he says, scratching his head. ‘Hi, Cathy. I just came to see how you were doing, Nat.’ He hugs himself. ‘It’s freaking freezing in here.’

Ben is wearing his usual uniform, which is a large wool en sweater. He has an endless supply of them, mostly bought from junk shops or markets, and they are al extremely thick. His hair is curly and long. It bounces when he’s enthusiastic about something. I am glad to see him, as ever. I’m sure I have a Pavlovian response to Ben, because he represents company of some sort during the day, so it’s normal y lovely to see him.

I’m sure if we went on holiday we’d fal out on the first evening. ‘It’l warm up soon, hopeful y,’ I say. ‘Hey, man. Stay and have a cup of tea.’

‘I won’t,’ he says. ‘Just popped by to say hi.’ He looks at me. ‘So you’re doing OK?’

‘I’l come by later,’ I say. ‘It was quite something.’

‘The funeral? Or the meeting?’

‘Oh – both.’

Ben nods. ‘Wel , I’ve got a shoot this afternoon, but I’m not sure when. Knock me up, chuck.’

‘OK.’

‘Nice to see you, Cathy,’ he says. ‘Nat – see you later. I want to hear about it.’

I nod, and turn back to Cathy as the door closes. ‘I’m sorry about that. Blithely inviting him in when you’re in the middle of tel ing me about Jonathan. Go on.’

‘He’s so lovely.’ Cathy gazes at the shut door. ‘Who, Ben? He’s got a girlfriend,’ I say. ‘I don’t mean like that.’

‘Yeah, right.’

‘No, I don’t. He’s just lovely.’ She sighs. ‘Why can’t al men be like him, eh? I don’t get it.’

I think about Ben, who I’ve known vaguely for years because of Jay, and his floppy hair and thick jumpers. I’ve never real y thought about him in that way. ‘He’s adorable. But he’s a bit like a big sheep, don’t you think?’

‘What?’ Cathy laughs. ‘You’re insane. I think he’s real y cute. Those big brown eyes. That smile. He’s got a lovely smile. If he had his hair cut . . .

Wow, he’d be absolutely gorgeous. Pow.’

She mimes an explosion with her hands. I sigh. Cathy has such weird taste in men. ‘Come on. Tel me. I’m sorry. You and Jonathan.’

‘Yes.’ She sighs. ‘It was odd. I don’t get it.’

‘OK, so what happened?’

‘OK. We had a good dinner. Good conversation.’

‘Where did you go?’

‘Kettner’s. I don’t like it there now though, since the makeover. They’ve done it up like a whore’s boudoir. It used to be so great.’

I nod, a shiver running down my body. Kettner’s, in Soho, was our favourite place. Oli and I, I mean: we used to meet there al the time when we lived on opposite sides of the city. Cheap beautiful pizzas and a lovely champagne bar. Chintzy, seaside-hotel decor, old-fashioned service and a pianist playing jazz standards. Now it’s been ‘done up’, the menu’s been changed, and I think it looks awful.

Oli and I went there in November, and had a bad evening. Terrible, in fact. It was our first night out for a while and, to cut a long story short, it began when, during a conversation about the merits of our flat, I used the phrase, ‘because we might want a bigger place some day, if we have children’, and it ended with me leaving the restaurant and taking a very expensive cab al the way home on my own. Oli wasn’t ready for the ‘if we have children’ conversation, you see. Apparently, being married for two years doesn’t mean you’re ready to even talk about it.

‘Kettner’s did used to be so great. But anyway. Did anything happen?’ Ah, did anything happen, possibly the most-asked question in London.

‘Sort of.’

‘Like what?’

Cathy shifts in her low chair, looking down at the ground, so I can’t see her face. She is bad at the details. ‘Wel , I mean, it was unsatisfactory.’

‘How?’

‘Wel , we had quite a lot to drink. And we kissed, outside Kettner’s. And he lives in Clapham too, so we got a cab home. But it was odd.’ She wrinkles her nose. ‘We got to his and he could have asked me in, and we’re in the back of the cab, you know –’ she mouths the word snogging –

‘and we’re kind of –’ again, she mouths what I think is doing stuff under each other’s clothes, but I don’t want to check and interrupt the flow – ‘And he chucks a twenty-pound note at me and says, Oh, thanks for a lovely evening, and then gets out!’ She’s practical y squeaking in outrage at this.

‘He chucked a twenner at you?’ I say. ‘Like you’re a prostitute and he’s paying you in cash for letting him feel you up?’

‘Exactly!’ she shouts. ‘I mean, I think it was for the cab, but you know – wow, way to make me feel cheap!’

‘Who paid for dinner?’

‘We split.’ There’s a silence. ‘I don’t think that means anything though.’

‘Me neither. What does he do?’

‘He’s a . . . wel . He’s a dancer.’

‘He’s a what?’

She takes a bite of her quiche. ‘He’s a dancer.’

‘What kind of a dancer?’

‘He’s in The Lion King.’

‘He’s a dancer in The Lion King,’ I say. ‘You snogged a dancer in The Lion King.’ I’m nodding. ‘What part does he play in The Lion King?’

Cathy stil isn’t looking at me. Her voice is shaking. ‘I think he’s a giraffe.’

We both col apse with laughter, and my stool rocks alarmingly. I steady myself with one hand.

‘And you don’t think he’s . . .’

‘He’s not gay!’ Cathy says in indignation. ‘He’s bloody not! He says that’s real y irritating, that everyone always assumes he must be, and that it’d be much easier for him if he was!’ She pauses. ‘Apart from with his parents. They’d disown him.’

‘Why? What’s with his parents?’

‘They’re very strict Baptists. They think homosexuality is a sin.’ Cathy shakes her head. ‘They sound kind of awful. Very repressive. He grew up in Rickmansworth,’ she adds, as if the two are connected.