The Mandibles: A Family, 2029–2047. Lionel Shriver

of genius,” said Mateo, the stocky Guatemalan on a break from guarding the lobby. “I declared bankruptcy six years ago. Registered the vehicle with my sister, so even kept the car. Now I got credit cards coming outta my ears. Sorted everything out bien bonita. No reason the country can’t do the same thing.”

      “You loan money to folks can’t pay it back, joke’s on you, right?” Selma agreed. “’Sides, I don’t see why the gubment ever pay anything back. Pass a law say, ‘We don’t got to.’ Presto. No more loan.”

      “But the majority of the people who’ve loaned the federal government money”—Chris trained his eyes on his teabag, which he only dipped twice; he liked his Lipton weak—“are other Americans.”

      “Mierda,” Mateo said. “I heard it was all the chinks.”

      “Yeah,” Selma said. “And they want they money back? Come and get it.”

      “You know, the American military isn’t what it used to be,” Florence said cautiously.

      “Bull.” Mateo punched the air. “We got the pow-ah! Biggest army in the fucking world.”

      “Actually, the Chinese have the biggest army in the world,” Florence said.

      “But never mind the Chinese,” said Chris. “It’s our fellow Americans—”

      “Ain’t nothing ‘fellow’ about ’em,” Selma said. “’Cause you mean rich Americans. With them port-fo-li-os.”

      “Not only.” Chris added a disgusting amount of milk to his tea. “Our pension funds are invested in Treasury bonds. They’re always part of a balanced port-fo-li-o.”

      Selma eyed him for signs of mockery. “City don’t come across with our pensions?” She smiled prettily. “We gonna burn the place down.”

      Chris said quietly, “Then you may have to.”

      Is it true?” Florence pressed Chris after the other two had returned to work. “That the debt is mostly from us?” The us jarred. You always had to cite which us.

      “From what I’ve read.” Chris fluttered his fingers to the side, a routine gesture for if-you-can-believe-anything-you-read-now-that-there-is-no-more-New York Times-Economist-FT-Guardian-LA Times-or-Washington Post. “And the feds aren’t only reneging on the interest, but the principal. My dad gave me a ten-K Treasury bond when I graduated from college. As of last night? That money’s wiped out. And my family’s not rich. This is going to be … explosive. Those guys don’t get it.”

      “They get something,” Florence said. “Selma and Mateo are both married. I know that partly because they have a traditional way of showing it. But this morning, when they came to work? They weren’t wearing their wedding rings.”

      Riding the bus home, contrary to policy Florence tugged out her fleX; many of these passengers could only spring for smart phones, and the distinctive sparkle of metallic mesh could make her a target. But she couldn’t resist a scroll through the news sites. Sure enough, they bannered wall-to-wall outrage. By international consensus, the US was now a “pariah nation.” All over the globe, there were riots outside American embassies, several of which had been overrun and looted. Her country’s diplomatic service had ceased operations until further notice. American ambassadors and staff were evacuating their posts under armed guard.

      Meanwhile, Florence detected much joshing and shoulder punching on the bus about earrings, studs, and chains, all noticeably less on display. The one tenet of Alvarado’s address that had sunk in with the hoi polloi was the part about the gold, a form of wealth they understood. But in neither Spanish nor a host of street dialects did she detect a single comment on the “reset.”

      Come to think of it, throughout her afternoon, on coffee breaks, when pairing up with colleagues to do spot checks on residents for cleanliness and contraband, banter had featured no further remark on the renunciation of the national debt. Menial Adelphi employees were on low enough wages to pay no income tax, and plenty would qualify for working families’ tax credits, which entailed getting what were perversely called “refunds” for taxes they’d never paid in the first place. When you weren’t responsible for paying the interest on a loan, maybe you didn’t regard yourself as responsible for the loan itself, either. Neither her fellow passengers nor her colleagues at Adelphi felt implicated.

      In the scheme of things, Florence paid pretty minimal income tax herself, though it sure didn’t feel minimal, what with Social Security, Medicare, and state and local on top, while meantime Wall Street shysters connived to pay practically nothing. As for a pension that may or may not have been eroded by Alvarado’s address, its monthly stipend was far enough in the future to be abstract. Even if the Social Security Administration didn’t go broke again, the official retirement age was bound to keep moving forward, to sixty-nine, to seventy-two, to seventy-five, like a carrot tied before a donkey’s nose. The sole rescue in her decrepitude for which she held out any hope was trickle-down from Grand Man’s fortune—about which she kept her trap shut at Adelphi. (In college, her one reservation about adopting her mother’s surname, Darkly, in a failed bid to cheer her more fragile parent out of a chronic depression, was that rejecting Mandible might alienate her grandfather in a way that could backfire later on. Fortunately, the redoubtable old man had never seemed that petty.) Otherwise, she belonged to a generation widely betrayed, one with no reason to believe that anything but more betrayal lay in wait. Still. Something. Something was bugging her.

      She didn’t think about being American often, though that may have been typically American in itself. She didn’t regard being American as especially formative of her character, and that may have been typically American, too. The Fourth of July was mostly an excuse for an afternoon picnic in Prospect Park, and she was relieved that next year Willing would be old enough that he wouldn’t be too disappointed if they didn’t go all the way to the suffocating crowds along the East River to watch the fireworks. For years now it had ceased to be controversial to suppose that the era of the “American Empire” was fading, and the notion that her country may already have had its day in the sun she didn’t find upsetting. Plenty of other countries had flourished and subsided, and were reputed to be pleasant places to live. She didn’t see why being a citizen of a nation in decline should diminish her own life or make her feel personally discouraged. She was duly condemnatory of various black marks on the US historical game card—the slaughter of the Indians, slavery—but not in a way that cut close to the bone. She hadn’t herself massacred any braves or whipped Africans on plantations.

      This was different.

      She felt ashamed.

       chapter five

       The Chattering Classes

      I told you I didn’t want to do this.”

      Avery eyed her husband warily at the kitchen counter as he poured himself a girding glass of French Viognier. After he’d put up such a stink about this dinner party, she wasn’t about to let him know how much that bottle had set them back. The exchange rate with the nouveau franc must have been ghastly. To cover her tracks, she had buried the wine shop receipt in the outdoor trashcan.

      “We haven’t had anyone over in two months,” she objected, “and it’s coming up on Christmas.”

      “Notice we haven’t been invited to one holiday bash this year? It’s understood: if you’re raising a glass, you’re getting plastered by yourself, with the door locked.”

      “But you’re the one who keeps saying this is temporary.”

      “I do think this is temporary. But for the time being, we’re