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With the reorganization of 1898 finished, the Baltimore and Ohio Railroad entered a new period in its history.

Out of the bitter experiences of the panic of 1819 emerged the beginnings of the Jacksonian movement, dedicated to hard money, the eradication of fractional reserve banking in general, and of the Bank of the United States in particular.

The history of the twentieth century - America's century! - has been pretty much a history of rising prices.

In my first book, 'Ghosts Of Manhattan,' the setting was Wall Street, and I explored the predictable nature of a bond trader inside the compensation scheme at Bear Stearns and the government regulations of Wall Street. That was about money.

Banks were once places to hold money and were very careful in lending to finance families as they built a future - bought homes, bought cars, took out student loans.

When I came to America, there was a lot of decadence in New York in the early '70s because the city was bankrupt and you could do whatever you want!

Baltimore is one of the most beautiful towns, really. And trust me, I don't say that about every place. There is just something so quaint, old and beautiful about this place.

It's hard for me to view Baltimore outside the context of what Baltimore has always been in my mind: a violent place.

In fact, the history of North America has been perhaps more profoundly influenced by man's inheritance from his past homes than by the physical features of his present home.

I have enjoyed the years enormously in Cleveland and especially in Baltimore.