the rise of mr. ponzi

The Rise of Mr. Ponzi

byGreg Santos

WGA Registration #1292035

FADE IN:

INT. LOCOMOBILE LIMO - DAY

A gold Liberty Dollar winking in a ray of sunlight.

It flips between a set of deft fingers.

Tumbling across the back of a man’s hand.

CHARLES PONZI (30) reclining alone in the luxurious cabin of his custom limousine. Draped in a finely tailored linen suit.

He smiles wide like the cat that ate the canary. With gravy.

Lying on his lap is a crisp newspaper.

He eyes its headline with pride.

INSERT - BOSTON POST FRONT PAGE, reading:

“PONZI DOUBLES THE MONEY Wizard of Finance Delivers the Goods”

BACK IN THE LIMO

Ponzi lays down the paper. Twists a cigarette into a slender tortoise shell holder.

Gazes out the window at something in the distance.

LIMO DRIVER (O.S.)(in Italian)

Signori Ponzi, will we be stopping at the Tremont Trust this morning?

PONZINot today. Direct to the office.

LIMO DRIVERLooks like all of Boston has come out to see you.

Ponzi gets his first glimpse of the throng who have assembled to greet him.

He touches a gold lighter to the tip of his cigarette.

From out of nowhere, a hand clutching a wad of bills smacks against the window.

EXT. SCHOOL STREET, BOSTON - SAME

From high above, the crowd is a sea of straw hats. They overflow the red-brick chasm of School Street, continuing out of sight.

SUPER: “Boston, 1920”

The excited shouts of the masses float up and away like breath on a crisp Boston morning.

But it’s summer in the city. And it’s sweltering.

IN THE LIMO

Ponzi is cool as a cucumber. Adjusting his silk necktie.

An enormous diamond stickpin catches the morning light.

INT. BOSTON POST WAR ROOM - SAME

A group of reporters assembles at the window to observe the spectacle below.

They track the limo as it inches through the mob. Pulling up to a narrow doorway at number Twenty Seven School Street.

The paper’s seasoned City Editor shakes his head and scratches at his scraggly beard.

CITY EDITORPigs being led to the slaughter.

EXT. SCHOOL STREET, BOSTON - SAME

The limo driver hurries around to open the door for his boss.

Admirers press in tight to get a glimpse or lay a hand on the man inside.

Madness has infected the crowd. The city.

MAN IN CROWDThere he is! There’s Ponzi!

Ponzi steps from the limo with a wave of his gilded cane.

The diverse crowd breaking into cheers and applause.

2.

Ponzi’s driver attempts to clear a path, doing double duty as bodyguard.

They move swiftly. Ponzi shaking a few hands along the way.

A flashbulb POPS.

A brilliant white light.

Ponzi’s warm smile is frozen in black and white.

Several well dressed gentlemen look on with esteem.

A grey-haired black man approaches. Holding a beat up shoebox tightly.

Two policemen on horseback loom above the mass of squirming humanity.

Eager investors jostle for position in line. Snaking into the building and up the stairwell.

All eyes are on Ponzi.

He reaches the door to his building as a HECKLER emerges from the crowd.

HECKLERDouble my money in ninety days? I’d like to see the man who could do that.

Ponzi stops and turns as if hit by a stone from behind.

PONZI(for all to hear)

Well I’m doing it. I’m the man.

INT. SECURITIES EXCHANGE COMPANY - SAME

An OLD WOMAN is pushed and shoved at the mercy of the frenzied men in line.

Ponzi stops to help her.

PONZISignora, allow me to be your host.

OLD WOMANGrazie, Signori Ponzi.

He offers his arm leading her up the stairs.

3.

The smiling couple continues down a narrow hallway. Making their way to the front.

The line ends abruptly at a wall with three barred windows.

Ponzi’s personal security guard, STAGGS, an aging mug built like a brick shit-house, stands sentinel.

His .38 revolver is holstered, but clearly visible to the crowd.

INT. MONEY CAGE - SAME

Three female tellers work frantically at their windows. They accept what seems an endless stream of cash in exchange for a single rectangular sheet of paper.

The cash is coming so quickly that each of their drawers has already overflowed.

Money is everywhere. They’ve resorted to stacking it on any available surface.

Stray bills scatter the floor.

One of the tellers drops a bundle into a wire wastepaper basket already half full of bills.

INT. SECURITIES EXCHANGE COMPANY - SAME

PONZIMy Dear, are you making a deposit or a withdrawal?

OLD WOMANI am here to redeem this note for Seven Hundred-Fifty Dollars.

Ponzi takes the note from her and pretends to study it closely.

He hands the note to a teller who stops to smile admiringly at Ponzi.

PONZISo you have.

(louder, to the crowd)She’s come to clean me out.

The crowd shares a nervous laugh as Ponzi pulls a huge roll of bills from his pocket.

4.

Their eyes widen.

Ponzi counts out loud for all to hear.

PONZISix hundred, seven hundred. Seven hundred and fifty dollars. As promised. Your principal plus interest.

He hands the money to the woman and motions to Staggs.

PONZIWill you see the young lady downstairs and through the crowd.

(to the old woman)Signori Cardinale, I hope you will tell your family and friends of the good investment you have made with my Securities Exchange Company.

The Old Woman is bursting with joy. She takes the money from Ponzi, kisses him on the cheek and addresses the people in line.

OLD WOMANPonzi is the greatest Italian in history!

PONZIGrazie Signora, grazie. Such a generous compliment. But no, Marconi invented the wireless and Columbus discovered America.

She holds her personal fortune up for all to see.

OLD WOMANBut Ponzi discovered the money.

INT. TREMONT TRUST BANK - MORNING

A man’s hand slides a few bills across a polished mahogany bank counter.

SUPER : “Six Months Earlier”

A Teller exchanges his hard earned pay for a paper receipt.

He tucks it into his overalls as a man in a suit brushes past him.

5.

Over his shoulder he watches the suited man hand over a fat stack of bills. Receiving a similar paper receipt.

PONZI (V.O.)The average man is never satisfied with what he has.

Several crooked lines of people radiate from a wall of barred windows.

PONZIHe does not realize when he is well off...

Customers fidget, peeking over each others shoulders.

A well dressed gentleman is shown graciously into an inner office.

PONZI (V.O.)...If he has a shirt, he wants two. If he is single, he wants a wife...

Behind brass bars, a female teller smiles at a male customer. He holds her glance a little too long.

PONZI (V.O.)...If he is married, he wants a harem...

A guard fingers his pistol.

PONZI (V.O.)He is always reaching for the moon and stepping off into space.

A huge safe door slams closed.

Charles Ponzi sits with a dignified air, his jacket folded neatly over his legs.

He checks his second-rate pocket watch.

Glares at a RECEPTIONIST posted outside the bank manager’s office.

She feels his stare. Looks up and forces a fake smile.

RECEPTIONISTPerhaps you should call at another time.

6.

PONZII’m just fine. I can live on one meal a day.

Her smile brightens at the quip.

The door behind her swings open. Her boss, SIMON SWIG (50s) shows his LAWYER out.

Swig is a hulk of a man. Chewing on an unlit cigar.

The men laugh heartily like old friends.

RECEPTIONISTSir, a Mr. Ponzi is here--

The men pass by her desk. Paying no attention.

SWIG...At least your son is interested in business.

LAWYERI gave it to him straight...

She shrugs at Ponzi.

LAWYER...Son, I said...Suppose my customer buys a hundred dollar item with a crisp new bill. As he leaves the shop, I realize that he has mistakenly handed me TWO hundred dollar bills stuck together...

The men continue past Ponzi as if he were a ghost.

LAWYER...Now it becomes an issue of business ethics. I must ask myself--

SWIGDo I tell my customer?

LAWYERNo...

He leans in closer. Lowers his voice.

LAWYER...Do I tell my partner.

They share a snide laugh.

7.

Ponzi steps to them, trying to keep pace.

PONZIMr. Swig, I’d like to talk to you about my loan...

He extends his hand.

PONZI...Charles Ponzi.

Swig and his lawyer continue walking as Ponzi subtly blocks their exit.

SWIGMr. Bonzi--

PONZIPonzi.

He won’t be swatted away.

SWIG(to his lawyer)

Excuse me a moment, Mr. Thompson. I’ll meet you out front.

Swig faces the interruption. Raising a lighter to his cigar.

SWIGMr. Ponzi, our loan officers are highly qualified to evaluate applicants and recommend or deny their loans. I trust the officer in your case...

He inhales deeply, looking Ponzi up and down. Discharges a thick cloud of smoke.

SWIG...made an informed and proper decision.

Ponzi forces some papers into Swig’s hand.

PONZII believe your employee overlooked the great potential I outlined in my business--

SWIGDo you carry a balance with us?

8.

PONZII have an account with you in good standing, yes.

SWIGDoes your account carry a balance?

Ponzi switches his coat to his other arm.

PONZIIf I had savings, I wouldn’t very well need a loan now, would I?

SWIGMr. Ponzi, while it is our policy to accommodate our investors whenever we can...

He hands Ponzi back his file.

SWIG...I’m afraid your account is more of a bother than a benefit.

EXT. SCHOOL STREET, BOSTON - MORNING

A scruffy teen NEWSBOY hands a Boston Post to Ponzi.

Its headline reads, “YANKEES SNATCH THE BABE.”

Ponzi tosses a nickel in the air.

The Newsboy removes his hat in a flash, catching the coin. Flops the cap back on his head.

Orange rays of sun paint the busy street between buildings.

Bostonians walk briskly through the cold morning.

A Policeman pokes a drunk dozing in a stairwell.

Ponzi turns into the doorway at Twenty Seven School Street.

INT. SECURITIES EXCHANGE COMPANY - MORNING

Two Movers carrying a shoddy desk out of an office.

Ponzi rushes up to stop them.

9.

PONZICareful gentleman. That’s second-rate white pine...

He checks a couple of the drawers, finding some of his belongings.

PONZI...passed off as fine solid oak.

MOVER 1Say goodbye.

PONZIAllow me to make a quick phone call. I’ll take care of this.

MOVER 1You’ve got no phone.

PONZINow that’s ludicrous. I did not purchase that phone from Primero.

MOVER 2Interest.

Ponzi notices his secretary standing in the empty office.

She holds her work in one hand, a small vase with a single rose in the other.

PONZIWhat are you doing here? I told you I can’t afford to pay you right now.

She shrugs at him.

MS. MELLII’ve no where else to go. I thought I might work a while on expectations.

Ponzi watches his desk disappear down the stairs.

PONZIThat makes two of us.

10.

EXT. BOSTON COMMON - EVENING

ROSE PONZI (20s), a striking beauty, strolling alone through the park. Her light skin flushed by an icy breeze.

She notices something in the air around her.

A light snow has just begun to fall.

Large white flakes settle on her shoulders and back. Sticking to her wool coat and her lustrous black curls.

Someone approaches her from behind.

PONZI (O.S.)Excuse me Miss, you dropped this.

She turns with a start.

Spots a black leather glove holding a single oversized snowflake.

It is half gone in an instant. And then...

Nothing.

PONZI (O.S.)Gotta take while the taking is good.

Her face catches fire when she sees her husband.

Rose replaces the snowflake with her white gloved hand.

They walk together through the quiet park, enjoying a snowy oasis in the city.

Ponzi can’t take his eyes off his lovely wife.

She is a vision in the soft evening light.

Rose lets out an embarrassed giggle.

ROSEWhat?

PONZII am the luckiest man in the world.

Rose stops in her tracks. Looking for a hint of confirmation. His smile is enough.

She throws her arms around him.

11.

ROSEYou got the loan.

Ponzi is silent. Returning her embrace.

ROSEI was afraid to ask.

Ponzi holds her closer. Nearly whispering.

PONZIWe’re in business kitten.

ROSEI’m so proud of you Charlie. This is the one, I just know it. All your hard wor--

He gently puts a finger to her lips.

PONZINever mind dear. Let’s forget the business talk and relax. You and I are going to have a nice little supper somewhere, by ourselves, and act like a couple of kids.

She smiles adoringly. Starts to run away from him.

He chases after her.

PONZIThe ice. Watch the ice!

INT. PONZI APARTMENT - LATER

Ponzi trips over something in the darkness.

He switches on a lamp.

It stays lit for barely a moment before burning out with a POP.

PONZIMerde.

Rose lights a couple of candles and sets them on a small kitchen table as her husband pulls a box from a paper bag.

ROSEI love ice cream. Even in winter.

12.

They share a spoon, enjoying their dessert by candlelight.

Rose shivers and moves closer to Ponzi.

PONZIAt least it wont melt anytime soon.

She pops a spoonful into his mouth.

ROSEPlay me a song.

Ponzi lays a small leather case on the table.

He opens it to reveal a fine looking mandolin.

He handles it carefully, plucking a couple strings while tuning the instrument.

Ponzi sits on the table. Begins to strum a sweet melody.

Rose lays her head on his lap.

He sings softly to her in his native language as Rose slips into a dream.

INT. PAWNSHOP - DAY

A pair of fat, soiled hands carelessly examine the mandolin.

The Pawnbroker eyes Ponzi through a barred window.

PAWNBROKERTwenty dollars.

PONZIThat mandolin is Swiss pine with mother-of-pearl inlay. Handmade in Lugo, Italy.

PAWNBROKERItalian made?

The Pawnbroker considers this a moment.

Ponzi eyes a pair of brilliant pearl earrings in a glass case.

PAWNBROKERTen.

He points to the gold chain peeking out from Ponzi’s vest.

13.

PAWNBROKERWhat about the watch?

Ponzi takes it out reluctantly, sliding it under the bars.

PAWNBROKERLooked better in your pocket. I’ll give you fifty for both.

Ponzi looks back at the pearls.

PONZII’ll take forty five if you hold those for me.

The Pawnbroker knows this game too well.

PAWNBROKERForty.

PONZIBene. Fine.

PAWNBROKERThirty days. Then they’re mine.

A fat hand removes the lustrous pearls from the case.

INT. UNION OYSTER HOUSE - DAY

A plump raw oyster sits loosely in its shell.

The creature is plucked from a mound of ice and devoured by PRIMERO (40s). He wears a soiled cloth bib and reigns over his lunch table.

Several mounds of melting ice and countless oyster shells litter the table.

PRIMEROStamps?

Primero washes things down with a messy gulp of beer.

PRIMERODon’t the U.S. Government have the market cornered on that?

PONZIKeep up with me Primero. I’m just using the stamps to speculate in foreign currency markets.

14.

Primero stares at him blankly.

Burps.

PONZIIn 1906 the World Postal Union began issuing Reply Coupons redeemable for stamps in any country within that Union...

Primero is looking over Ponzi’s shoulder.

PONZI...They were invented to allow persons or businesses to prepay postage for relatives and associates...

Primero motions to the waiter for more oysters.

A man in a regal white uniform approaches Ponzi from behind. Two stunning older women pinned to him like cuff links.

PONZI...By purchasing the coupons in countries with weak currencies relative to the Greenback...

Ponzi leans in close for emphasis.

PONZI...huge profits are possible.

The uniformed man is a ship’s Captain. He recognizes Ponzi on passing. Shakes off his arm candy.

CAPTAINMr. Ponzi...what a relief. I was afraid I wouldn’t catch you before I embark tomorrow.

Ponzi is surprised.

PONZICaptain...

Jumps up to greet the skipper.

PONZI...so pleased to see you.

CAPTAINI’m sorry to interrupt your meal.

15.

He presents his dates with a flourish.

CAPTAINLadies, this is Mr. Charles Ponzi, Financier.

Ponzi returns the introduction. Slightly less enthused about his guest.

PONZICaptain Silva, ladies...Dante Primero.

Primero extends a salty hand.

PRIMEROPleased.

Then right back to feeding himself.

PRIMEROQuite young for a ship’s captain, no?

CAPTAINI...I come from a long line of seamen.

The ladies can’t contain a giggle.

PONZIPrimero, would you excuse us just for a moment?

Ponzi and the Captain move to the bar to talk business.

Primero offers the women what remains of his oysters.

They pass.

He calls to the waiter. Orders another dozen.

PRIMERO(to the women)

They’re an aphrodisiac you know?

They giggle again. This time uncontrollably.

Primero watches the Captain hand Ponzi a large roll of bills. Ponzi tucks it away.

The men shake hands. Ponzi leaving the Captain at the bar.

16.

He returns to Primero’s sloppy table. The women rush past him to their uniformed host.

PONZIEvening ladies.

Ponzi takes his seat, a pleased grin stretching across his face.

PONZII’ve got prominent investors lining up and that’s strictly word of mouth.

Ponzi reaches for a wine bottle. Refills his glass.

PONZIForeign currency speculation is in vogue. The banks are offering squat and going belly up every week. I’m offering fifty percent interest in forty five days...

Primero coughs up half an oyster. Grabs for his beer.

PONZI...Double your money in ninety.

Ponzi takes a sip of his wine. He’s rolling now.

PONZIMany countries still haven’t recovered from the War. They’re currencies are severely depressed. But the Dollar is strong...

He knocks on the table.

PONZI...will always be. A four hundred percent profit margin is not impossible.

PRIMEROHow much did the Captain entrust you with?

PONZIMy customer’s investment details are confidential. I’m not at liberty...

Primero considers the possible windfall.

17.

PONZI (V.O.)He followed me all the way up to seven figures. It looked like he might sprout wings.

Primero takes a large swig of beer.

PONZI (V.O.)I left him there for a moment. With his head above the clouds.

PRIMEROYou want your furniture back?

Ponzi leans back in his chair.

PONZIAnd a small loan for start-up costs and incidentals.

Another plate of oysters drops onto the table between them.

EXT. LONG WHARF - MORNING

A crate of oysters is thrown onto the back of a truck.

A couple of the mollusks fall into Ponzi’s path as he strolls with a smile down the crowded dock.

He passes a steady stream of workmen and newly arrived immigrants.

A Young Mother is crying. She pleads in Italian with a disinterested Police Officer.

She holds out her baby, tucks it under her arm. Motions a trembling hand to her mouth.

Ponzi approaches the scene, withdrawing the roll of bills he received from the Captain.

He peels off a few. Hands them to the woman.

Pinches the baby’s cheek, smiling playfully.

PONZI(in Italian)

There is food at the church.

He points to a tall church steeple beyond the wharf.

18.

PONZIThey speak Italian.

YOUNG MOTHERGrazie, Signori. Grazie.

As Ponzi continues on his way, he unrolls the remaining cash.

Spreading the wad.

A few bills totaling barely a hundred hide a stack of carefully trimmed newspaper.

He drops the paper on the ground and tucks the money in his pocket.

EXT. S.S. CARONIA, GANGPLANK - MORNING

A line of well-dressed passengers are greeted as they prepare to board.

The SHIP STEWARD assists a fur clad widow onto the gangplank.

She looks at the Steward hungrily. Whispering something in his ear.

PONZI (O.S.)Pardon me, I’d like to speak with the Captain.

SHIP STEWARDI’m sorry Sir, but the Captain is preparing--

SILVA (20s), a fresh-faced aspiring actor spins around on his heel. He plays a recurring role as plaything to the divorcees and widows sailing abroad. It pays pretty well.

He recently starred as “The Captain” so eager to invest with Ponzi at the restaurant.

Silva drops his overly courteous air on seeing his friend.

SILVAHow was I?

PONZIYou should be on Broadway.

Ponzi watches the widow look back from the gangplank.

19.

PONZIYou’re sure a hit with the ladies.

SILVAYou think so? I nearly got pinched returning that uniform. Did he bite?

Silva turns back to his greeting duties.

SILVAWelcome aboard the S.S. Caronia, bound for Naples, Italy. Watch your step, Madame. Sir.

(Looking back to Ponzi)Well?

Ponzi glances around. Pulling out his bankroll.

He counts off about half the bills. Then a few more for good measure. Handing the smaller stack to Silva. Tucking the rest away.

SILVABroadway, baby.

PONZINow remember--

SILVAWhen I get to Italy, exchange the cash for Lire--

PONZIAll of it.

SILVAOf course. Then I buy as many Reply Coupons as I can. Bring them to your office when I get back to the States.

PONZIAs soon as you get back. How many days?

SILVAWe’ll be in port for a week. Back in Boston in under a month.

Ponzi considers the time frame.

20.

PONZIConfirm with me by wire as soon as they are in your possession--

SILVAOr if there are any delays.

Silva springs to attention. Salutes Ponzi.

SILVAAy, Ay Captain.

The ship’s horn blows a final boarding call.

EXT. STATE HOUSE - DAY

Ponzi walks tall toward the great gold domed building.

PONZI (V.O.)Primero’s loan was barely enough to get started. For my plan to really take flight, I needed more.

He carries himself as any titan of industry might. Blending in with the politicians and judges who ascend the stairs alongside him.

PONZI (V.O.)I had wasted enough time in my quest for capital in lump sums. I knew I could borrow ten dollars each from ten different persons much easier than I could borrow a hundred from one.

INT. STATE HOUSE - DAY

Ponzi glides across the opulent lobby.

PONZI (V.O.)I decided to solicit investors from the public at large...

Under the gilded ceiling men in dark suits cut across the marble floor like ants through cheese.

PONZI (V.O.)...against the promissory notes of my own company...

Ponzi passes the District Attorney’s Office.

21.

PONZI (V.O.)...But in order to procure even small amounts from strangers, I realized that I needed a certain prestige. The status that a legitimate firm lends...

He turns into the office of the State Business Registrar.

PONZI (V.O.)...I needed a name.

INT. BUSINESS REGISTRAR’S OFFICE - SAME

Ponzi passes a few dollars over the counter to the clerk.

He signs a series of applications.

Under “NAME DOING BUSINESS AS” Ponzi writes in: “Securities Exchange Company”

INT. SECURITIES EXCHANGE COMPANY - DAY

The Movers are back. This time they carry a finished oak desk up the stairs and into Ponzi’s office.

Ponzi watches with pride as a sign painter finishes work on his office door.

The frosted glass reads, “SECURITIES EXCHANGE COMPANY”.

Melli organizes her desk. Pleased with her new office supplies. She sets her vase where it pleases her.

INT. PONZI’S OFFICE - DAY

Ponzi carefully positions his embossed business cards.

He picks up and replaces the receiver of a shiny black telephone.

He centers a rectangular book of freshly minted Ponzi notes.

When things are arranged just so, he leans back and puts his feet up on his new desk. Twisting a cigarette into a wooden holder.

PONZI (V.O.)The total cost of organization had set me back a trifle.

22.

(MORE)

About the price of a couple packs of cigarettes.

He strikes a match. Touching it to the exposed end.

INT. POOL HALL - NIGHT

The flame glows bright as a cigarette catches fire.

It dangles from the lips of a young red-head. She flashes an appreciative smile.

Ponzi nods, extinguishing the match.

The crowded room is filled with smoke and noise. A handful of men mull around two billiard tables sweating the action.

Ponzi sits at a long bar sipping a martini.

He greets a patron who has bellied up for a drink between racks.

PONZI (V.O.)I had a good thing. There was no doubt in my mind about that.

He hands the man a business card as he leaves with a fresh beer.

PONZI (V.O.)Being a good thing, it needed no high pressure salesmanship.

Ponzi occupies the same seat at the bar but his audience begins to change rapidly.

Different men, coming and going in jumps. They are dazzled by Ponzi, listening attentively to the dapper stranger.

PONZI (V.O.)I was selling my dollars for sixty six cents. That’s all there was to it. Any attempt to force them on a prospective investor would have been to create suspicion rather than confidence.

With all of them, he’s a showman. Gesturing with his long smoke. Tempting them with tales of great riches.

PONZI (V.O.)We are all gamblers at heart.

23.

PONZI (V.O.) (CONT'D)

A twenty dollar bill is slapped onto the rail of the pool table.

PONZI (V.O.)We all crave easy money. And plenty of it.

A fresh rack of balls shatters to the far corners of the green baize.

INT. POOL HALL - LATER

The BARTENDER staring, entranced by Ponzi. He holds the evening’s tips. Slapping them into his empty hand.

They are the only two men that remain in the smoky room.

BARTENDERSo you’re tellin’ me that if I’s to hand you over tonight’s tips...

He flashes a count.

BARTENDER...nine dollars.

Ponzi remembers his own gratuity. Slides a crisp bill across the bar.

BARTENDERMuch appreciated.

(adding it to his stack)...Exactly ten dollars...You’d be back here in forty five days with fifteen?

Ponzi stands to leave.

PONZIIt’s not quite that simple, I’m afraid.

Putting on his overcoat and gloves.

The Bartender straightens up with a smug grin.

BARTENDERNever is.

Ponzi pulls something out of his pocket. Handing it to the man before turning to leave.

24.

PONZII only accept investments at my office...

The Bartender scans Ponzi’s business card.

PONZI...and I don’t deliver.


Ponzi reclines at his desk. Reading the Boston Post.

It’s headline proclaims “AMERICA DRY TONIGHT.”

He perks up at a noise in the outer office.

Tucking the paper in a drawer, Ponzi snatches his phone off the hook.

PONZI(loudly into the receiver)

...It would be my pleasure to help you with that, Sir.

The muffled sound of Melli greeting someone. Followed by a knock on his door.

MS. MELLI (O.S.)Mr. Ponzi.

PONZIYes, come in.

Melli shows the Bartender into the office.

Ponzi acknowledges them. Gesturing to an open chair.

PONZI(into the phone)

...Well I greatly appreciate that, Your Honor. My sincerest gratitude and best to your new granddaughter.

Ponzi hangs up the phone. Turning his attention to the Bartender who has declined to sit.

PONZIHow may help you, Sir?

A weeks worth of tips smacks down on the desk.

25.

Ponzi glances up at the man.

He looks a hell of a lot bigger without a bar in front of him.

The new investor doesn’t hang around for pleasantries.

BARTENDERSee you in six weeks.


The door to the front office opens repeatedly. Each time a different person enters curiously. A few of them are recognizable from the bar.

Melli greets them all. Showing them into Ponzi’s office one at a time.

PONZI (V.O.)My proposition was decidedly tempting. Apparently fool proof. It could be tested with a ten dollar bill.

A Catholic Priest hands one over.

PONZI (V.O.)It might have looked unsound as an investment. But it was extremely attractive as a gamble.

Ponzi signs a series of promissory notes. Exchanging them for dollars across his desk with a string of apprehensive investors.

PONZI (V.O.)By the first week of January, 1920, I had rounded up exactly twenty investors for a total of Seventeen Hundred Five Dollars...

A Chimney Sweep covered head to toe in soot reaches over the desk.

Drops a few coins into Ponzi’s open hand.

PONZI (V.O.)...and ninety cents.

26.

INT. PONZI’S OFFICE - EVENING

Melli watches Ponzi counting money into neat stacks on his desk.

MS. MELLII think you missed your vocation in life.

PONZIBanker, maybe?

She brightens.

MS. MELLIMissionary. You can certainly spread the Gospel.

INT. WESTERN UNION OFFICE - DAY

A CLERK flips through a large log book. Locates the page he’s looking for.

CLERKPatterson...Pollock...Here we are. Ponzi. Arrived this morning.

The clerk rockets himself away on the wheels of his chair. Finding a file cabinet right where it should be.

He pulls a telegram for Ponzi. Fires himself back to his desk.

CLERKFrom Mr. Silva. Naples, Italy.

Ponzi snatches the Telegram.

INSERT - TELEGRAM, reading:

“COUPONS READILY AVAILABLE STOP CAN BE PROCURED IN LARGE QUANTITIES STOP HOME SOON END”

Ponzi lets loose a grin.

PONZIHot Damn.

27.

EXT. SECURITIES EXCHANGE COMPANY - MORNING

Ponzi bounds up the stairs of his building.

He approaches a small crowd gathered by his office door. At the front of line is his very first investor, the Bartender.

PONZI (V.O.)Around the second week of February I set about to affect my first payments.

He approaches them with the tip of his straw hat.

PONZIBuon giorno, ladies and gentleman. The early bird gets the worm, eh? Sorry to keep you waiting.

He unlocks the door. Leading them in.

PONZICome inside, lets build a fire.


Ponzi proudly hands the Bartender a stack of bills.

PONZI (V.O.)Silva had not yet returned with the coupons, but his telegram had confirmed my assumptions...

The Bartender counts his principal and profit with a surprised smile.

BARTENDERPleasure doing business with you.

PONZI (V.O.)...The rest was just logistics.

INT. POOL HALL - NIGHT

A young girl marvels wide eyed as the Bartender shakes a fan of twenty dollar bills.

PONZI (V.O.)I got as much thrill out of each note redeemed as a school girl gets out of her first kiss.

28.

She leans across the bar throwing an arm around him. Plants one on her man.

Snatching the money with a free hand while he’s occupied.


Ponzi counts out cash to a series of delighted Bostonians.

PONZI (V.O.)I had yet to make a penny on my Postal Coupon idea. But I had enough ready cash in recent investments to pay off those earlier investors.

A husband and wife accept their money. Embracing each other.

PONZI (V.O.)I decided to resort to the time honored custom of robbing Peter to pay Paul.

An excited Photographer thumbs through a pack of bills.

He hands off his equipment to Melli. Giving her a quick tutorial. Positioning himself next to his new hero.

PONZI (V.O.)Was it ethical?

The Photographer grips Ponzi like a brother. Smiling wide.

A flashbulb pops.

PONZI (V.O.)Perhaps not. But environment had made me rather callous on the subject of ethics...

The Priest sits across from Ponzi. Counting the money from his redeemed note.

PONZI (V.O.)...Then, as now, nobody gave a rap for ethics. The Almighty Dollar was the only goal. And its possession placed a person beyond criticism for any breach of ethics incidental to the acquisition of it. Many of them just withdrew their principal.

29.

Padre considers a moment.

PONZI (V.O.)Others took only the fifty percent interest...

He hands most of the loot back.

EXT. SUFFOLK DOWNS RACETRACK - DAY

The Priest at a barred window placing a bet. His collar conspicuously absent.

PONZI (V.O.)...Probably straight to the track.

He jumps and hollers as the race comes to an end. Cursing the outcome. Ripping up his ticket.

PONZI (V.O.)...But most, upon seeing I was perfectly willing and able to pay them as promised, left their money with me. Eager for another spin of the wheel...

The churchman gazes up to

a cloudless blue sky.

PONZI (V.O.)...I spun it for them.


A safe dial spins.

Ponzi’s manicured hand stops it at twenty seven.

MONTAGE - IN BUSINESS

-- Investors lining up outside of Ponzi’s office.

-- A young couple exits excitedly clutching their withdrawal.

-- Ponzi and Melli collecting investments and issuing promissory notes.

-- A pad of Ponzi notes dwindles and a fresh one is begun.

30.

-- Money begins filling the drawers of Ponzi’s desk.

-- The line outside the office has grown to a dozen or more.

-- Two movers struggle with a large floor safe past the investors.

-- Ponzi begins filling his new safe.

-- Cash rises like water in a plugged tub.

INT. TAILOR SHOP - DAY

Ponzi admires himself in a full length mirror.

Two tailors make adjustments to a custom powder blue suit.

The suit changes color as they work.

From blue to emerald green to plum.

Ponzi exits the tailor shop clad in fresh finery. Several garment bags tucked under each arm.

Heads turn as soon as he hits the pavement.

INT. PAWNSHOP - DAY

The Pawnbroker polishes the gold handle of a Malacca Cane.

Ponzi counts out four ten dollar bills. Sliding them under the bars.

He receives his gold watch, mandolin and a small black box in return.

He plucks the pearls from a velvet crease. Tossing their container on the counter.

PONZIYou can keep the box...and I’ll take that stick.

INT. OLD NORTH CHURCH - DAY

A man stretches a wicker basket attached to a long wood pole down each pew. Collecting donations from the congregation.

Sunlight illuminates a brilliant stained glass window.

31.

Rose Ponzi fingers her red rosary beads.

She fishes a coin from her purse. Dropping it into the basket.

EXT. OLD NORTH CHURCH - DAY

Rose exits the church, not noticing the man who follows closely behind her.

PONZI (O.S.)Excuse me miss, you dropped this.

Rose instantly recognizes her husbands voice.

ROSEIt’s not even snowing Char--

His open palm is outstretched.

Her hand jumps to her mouth when she sees what lies in it.

Two dazzling pearl earrings catch the light.

Ponzi pulls back Rose’s hair. Holding up one of the pearls to her ear.

PONZIPositively radiant.

ROSECharlie. How did you...

She notices his new attire.

ROSE...That suit. It’s the cat’s meow.

He models it for her.

PONZIBusiness is booming. I couldn’t print money this fast.

ROSESilva’s back? With the coupons?

Ponzi helps Rose on with the other earring.

PONZIInvestors are lining up in the hall. Down the stairwell.

32.

She gazes into a store window. Admiring her own reflection.

PONZILooks like I’m going to need a bigger office.

ROSEI love them.

Rose throws her arms around him.

PONZISoon you’ll have everything you ever wanted.

She looks deep into his eyes.

ROSEI already do.

PONZIThen let’s go show it off.

Ponzi swings his new cane as they make their way down the street. It’s gold handle glistens in the noonday sun.

ROSEDid you hurt yourself?

INT. PRIMERO’S FURNITURE SHOP - DAY

Primero backhands his young NEPHEW. Nearly knocking him to the floor. He holds a meatball sandwich in the other hand.

NEPHEWI’m sorry. Please. Don’t.

He cowers, trying to stand.

Primero threatens another slap. Takes a sloppy bite.

PRIMERO(through a mouth full)

Go on. Screw.

His Nephew scurries out the door. Nearly running into Ponzi, who’s just making his entrance.

PONZIGood thing I’m on time.

33.

PRIMEROOh him, that’s nothing. He’s family.

Ponzi hands Primero an envelope. Loading a cigarette into his holder.

PRIMEROTwo months? You had three.

PONZIIt’s all there, plus interest.

Primero peeks at the payment. Noticing Ponzi’s new attire.

PRIMERONice suit. Business must be booming.

PONZIJust staying afloat.

Primero eyes Ponzi’s cane.

PRIMEROThat your paddle?

He attempts to hand the payment back to Ponzi.

PRIMEROMaybe you hold on to this. Let me in on the action.

PONZIThat’s quite generous. But my idea looks to be a colossal bust.

Primero waves the envelope. Slapping Ponzi hard on the back.

PRIMEROWho’d you bump off for this?

He looses a sinister cackle.

VOICE(O.S.)There a stiff I should know about?

DOWNEY, a greying, veteran flatfoot, is holding up the door frame. He is old for a beat cop. Having foregone promotion and desk work for the trappings of the street.

Ponzi tips his hat at Primero. Heads for the door.

34.

PONZI Pleasure doing business with you.

Ponzi stalls a moment. Waiting for Downey to stand aside.

PONZI(nodding)

Officer.

Downey’s a tree stump. Staring a Ponzi's shoes.

OFFICER DOWNEYSome shoes.

PONZIMacray's Footware--

OFFICER DOWNEY--On Boylston. I know the place.

His eyes raise slowly. Scanning the rest of the man.

OFFICER DOWNEYYou can tell a whole lot about a man by the shoe's on his feet.

Ponzi regards Downey's uniform.

PONZII’d say...

The cop’s shoes are polished coal.

Ponzi can’t help himself.

PONZI...you’re some sort of policeman.

Primero coughs up a laugh.

Downey adjusts his gun belt.

OFFICER DOWNEYStrange, yours didn't say comedian to me. Thought perhaps Primero was associating with some class for a change...

Downey watches Primero attack the last of his sandwich.

OFFICER DOWNEY...guess that's why I never made Detective.

35.

He finally steps inside the office. Granting Ponzi an exit.

Ponzi doesn’t stick around.

The cop closes the door behind him. Throwing an icy glare at Primero.

DOWNEYWhat's his story?

INT. SPEAKEASY - NIGHT

A substantial female jazz singer crooning on a small stage.

The well dressed crowd mingles in the dim light. Sipping their illicit beverages.

Ponzi posted up at the bar. A cigarette dangling from his long holder.

Silva sneaks up behind him. Jabbing a finger in his back.

SILVA (O.S.)Hands in the air.

He’s immediately wrapped up by STAGGS, a gorilla in a cheap suit.

Ponzi recognizes his old friend. Reigning in the hired muscle.

PONZIEnough Staggs. He’s alright.

Silva shakes off the lug.

SILVAChrist. Who’s the baby grand?

PONZISecurity. Welcome back.

Silva saddles up to the bar. Calls for a drink.

He Admires Ponzi’s attire.

SILVAGlad Rags, bodyguard...I’m gone a month and you hit the big time.

PONZIA month? You’re late.

36.

SILVAWasn’t my fault. Got hung up in Venice...

MONTAGE - SILVA IN VENICE

-- Silva and an Italian Beauty dozing naked. The morning after.

-- Her husband arriving home with a suitcase.

-- Finding the lovebirds in bed.

-- The man grabs an empty wine bottle. Lunging at the home-wrecker.

-- Silva jumps out the window naked. Falling into a canal.

-- He drags himself onto an embankment. Greeting an embarrassed old woman.

-- He Snatches a white sheet from a line. Wrapping it around his waist.

-- A Divorcee catches a glimpse of his bare bottom from her balcony. Whistles through her fingers.

-- Their eyes meet and the rest is history.

-- The two of them making love in her small kitchen.

-- Shopping for a new suit.

-- She tucks some cash into his pocket. Pinching him on the ass as he hops onto a water taxi.

-- Silva blowing her a kiss.

BACK IN THE BAR

SILVA...woman was a bearcat.

PONZIYou’re a piece of work.

Ponzi slaps some bills onto the bar.

PONZILet’s get us a couple steaks.

37.

He heads for the exit. Staggs follows close.

Silva does a double take at the overpayment. Slugs down his drink and starts to follow Ponzi.

He spins back, grabbing part of the tip before hurrying after his friend.

INT. STEAKHOUSE - NIGHT

Silva devours the last of his rib eye. Sits back and pats his belly.

SILVAJust not the same without wine, is it?

He dips a hand into his jacket. Removes a small flask and takes a quick pull.

Ponzi examines the contents of a small envelope. A bunch of Postal Reply Coupons from Italy.

PONZIThis isn’t going to cut it. It’s too slow. And too expensive.

SILVAWell I’m finished with the high seas. I’ve got some auditions lined up. Why don’t you send this one...

He pokes a thumb toward Staggs.

SILVA...He looks like he floats.

The bodyguard grumbles.

PONZIIt’s fine. I’m working on another angle.

Silva’s busy flirting with a woman at an adjacent table. He throws her a wink behind her husband’s back.

EXT. POST OFFICE - DAY

A Mailman hands back the envelope full of coupons.

Ponzi stares at him in disbelief.

38.

MAILMANI’d love to help you man...Lord knows I could use the money.

PONZIWhen?

MAILMANLast week. Order came down from the Post Master General. They shut the whole program down. I’d say you’re lucky if you can redeem the ones you got.

He slings a heavy bag over his shoulder.

MAILMANI’ve got to get these delivered. I’m sorry.

He leaves Ponzi behind, shell-shocked.

The envelope of coupons falls from his loose grip. Spilling it’s worthless contents on the brick sidewalk.

INT. S.E.C. OFFICE - DAY

Ponzi gazes down out his window.

The line of investors continues to grow. Now extending out the front of the building onto the sidewalk.

Excited chatter reaches his ears from the street.

Piles of cash cover the desk behind him.

There is a knock on the door and Melli peeks inside.

PONZICome in Ms. Melli. I’m decent.

MS. MELLIIt’s after five. Should I turn them away?

He’s still looking down on the crowd.

PONZIWe can’t do that now, can we? Let’s give it another hour.

He turns to his loyal secretary.

39.

PONZIIf that’s O.K. with you.

Melli is holding a small jewelry box.

MS. MELLIOh, that’s fine by me.

She approaches her boss.

MS. MELLIMr. Ponzi...I’ve told you about my mother...back in Naples.

Ponzi places an arm on her shoulder.

PONZIYou have, dear. How is she doing?

Melli’s eyes begin to glisten.

MS. MELLINot so well I’m afraid...I don’t know how long she has.

PONZII’m so sorry.

He embraces her before she breaks.

PONZIMy mother passed while I was en route to the states. I found out a month later.

MS. MELLIThat’s just it. I want to see her before...

She straightens up. Wipes her eyes.

MS. MELLIMy father never returned from the War. My brother and sister are still so young.

She hands over the box.

MS. MELLII’ve been saving since I arrived here. It’s not enough. I want to invest it.

40.

Ponzi tries to hand it back.

PONZIYou’re due for a raise. A hefty one at that.

Melli refusing the box.

PONZII can lend you the money...

She’s nearly out the office already.

MS. MELLII’ll write myself a receipt.

Ponzi watches her leave.

Lays the box onto his desk with the rest of the money.

INT. TREMONT TRUST BANK - DAY

Ponzi glides through the grand marble foyer. He heads directly to the office of the bank’s vice president.

Swig is in conversation with his receptionist. He takes notice of the well dressed gentleman approaching him.

SWIGMay I can be of assistance, sir?

PONZII guess so, I only wanted to open an account.

SWIGI could certainly help you with that, Mr....

PONZI(handing Swig his card)

Charles Ponzi.

Swig flashes a note of recognition.

SWIGHave we met, Mr. Ponzi?

PONZIIs that a requirement for account holders of this bank?

41.

SWIGUh...of course not...I...

A smile germinates on Ponzi’s face. Grows into a grin.

SWIG(laughing nervously)

...oh...I see...

Swig reads Ponzi’s business card.

SWIGThe Securities Exchange Company. May I ask what you deal in?

PONZIPretty boring stuff really. We deal in money.

SWIGWell I’ve always found money quite exciting. What type of account did you wish to open?

PONZIChecking.

SWIGA business account?

PONZIPersonal.

Swig pockets the card.

SWIGSplendid. We do require personal accounts to carry a substantial balance. Are you prepared for that?

Ponzi looks around, slightly embarrassed.

PONZIWell what do you consider substantial?

SWIGTwo or three hundred dollars and up.

PONZIOh that’s reasonable enough. You nearly scared me there.

42.

He laughs nervously. A gifted actor.

PONZIYou may put me down for two hundred fifty.

SWIGTwo hundred fifty dollars. Our minimum. Very well.

PONZINot Hundreds...

Ponzi begins pulling out several large stacks of money. Piling them into Swig’s arms.

PONZI...Thousands.

Swig struggles not to drop the cash.

SWIGTwo hundred fifty thousand dollars? Why...I thought you wanted to open a small personal account?

PONZISo I did Mr. Swig. This is about the smallest of my bank accounts.

EXT. TREMONT TRUST BANK - DAY

A snappily dressed CAR SALESMAN slithers up to Ponzi as he exits the bank.

CAR SALESMANPardon me sir. I noticed you were walking.

The two men merging into a stream of pedestrians.

PONZIThat’s impressive. I should hire you to watch over my books.

CAR SALESMANI don’t mean to be rude, Mr. Uh...

PONZIPonzi. The “Uh” is silent.

43.

The Salesman regards Ponzi’s chalk stripe suit and gold tipped cane.

CAR SALESMANMr. Ponzi, you seem the type of man who appreciates the finer things in life. Clothes, jewelry...

He hands Ponzi a business card as they turn onto

SCHOOL STREET, BOSTON

CAR SALESMAN...luxury automobiles. You have a car of course?

Ponzi glares at the huckster.

CAR SALESMANOf course...but a good car?

PONZIDo I look like I drive a wheel barrow?

CAR SALESMANCertainly not. I imagine you own a respectable automobile. But think of all the time you waste driving.

Ponzi regards him as if he were just asked to slow dance.

He rechecks the man’s business card.

PONZII must be fatigued. For a moment I thought you trying to sell me a new car.

CAR SALESMANNot a car, Mr. Ponzi. A limousine.

EXT. SECURITIES EXCHANGE COMPANY - DAY

A flock of investors crowd the narrow corridor.

They pat Ponzi on the back as he passes. Greeting him enthusiastically.

The line detours around three gaping holes cut into the wall.

44.

A couple of workmen hoist a brass barred window frame. Fitting it into one of the openings.

The Car Salesman struggles to keep up. Noticing the construction.

CAR SALESMANIs this a bank?

Ponzi and his eager escort enter the outer office.

It’s a three ring circus.

Several men sit impatiently, waiting for an audience with the financier.

Melli keeps TRENCKMAN (50s), the building’s landlord, occupied at her desk. A phone receiver draped over her shoulder.

PONZI(to Trenckman)

Is it the first of the month already?

TRENCKMANMr. Ponzi, I am sorry, but if you can’t regulate this crowd, I will be forced to give you notice to vacate.

PONZII’m afraid I’ve become attached to the place.

TRENCKMANDo you expect me to lose all my other tenants on your account.

PONZIAs you can see, I am much too busy to worry about the affairs of my neighbors.

Ponzi looks around at the crowded office.

PONZIIt’s getting a little cramped in here, anyway. I’ll take the entire floor. Pay you double their rents.

45.

TRENCKMANYour people are also blocking the entry and the stairs.

PONZIOh let’s not argue over it. Name your price.

TRENCKMANSir, I’ll have you know I won’t be bribed.

Ponzi places a consoling arm around Trenckman.

PONZIDear Trenckman. Not the price of your silence. I’d like to purchase the building.


Ponzi enters followed closely by The Car Salesman and Trenckman.

The two men jostle for pole position.

He offers them each a seat at his desk.

The Car Salesman thrusts a brochure at Ponzi as he sits.

CAR SALESMANThe Locomobile Limousine. Pinnacle of luxury. Genuine leather seats, air conditioning, polished mahogany bar in the cabin.

Ponzi barely looks at the literature.

Begins opening his safe.

PONZII’ll take that one.

The Salesman can barely contain himself.

Ponzi begins placing several stacks of money in front of the men.

CAR SALESMANThat’s Twelve Thousand delivered.

46.

PONZIAll right. Send it over.

Piling yet more cash.

CAR SALESMANBut...uh...I cannot deliver that car just now. The car is custom made. It will take at least three months.

PONZIToo late. I want that car right away.

CAR SALESMANOur premier model is nearly complete, but it has been promised to a prominent New York millionaire.

PONZIWhen will it be ready?

CAR SALESMANTwo weeks. It’s scheduled for delivery on July first.

PONZIPerfect. Have it downstairs in front of my door on that date.

The Salesman squirms in his seat.

Trenckman listens intently.

CAR SALESMANBut...the car is already sold.

PONZIListen, young man. I want that car. And when I want something, I am prepared to pay for it.

He pulls a roll of bills from his jacket pocket. Begins counting out a separate pile.

The salesman’s eyes light up.

47.

PONZIHave that car here by not later than one o’ clock July first and I will give you a thousand dollars more for it.

He tosses the cash within the Salesman’s reach.

INT. THEATRE - DAY

A cramped room full of leading man types studying their lines.

Silva leans confidently against the far wall.

An assistant peeks his head through a door. Addressing the room.

ASSISTANTReggio Silva.

Silva tucks his script into his back pocket. Follows the assistant.


Silva carries a large box into the office. Whistling a tune.

He spins his way through the usual commotion. Places the box gingerly on Melli’s desk.

SILVAI signed for ya.

Heads for Ponzi’s office.

MS. MELLI(covering the phone receiver)

He’s with someone from the Post.

Silva barges into

PONZI’S OFFICE

SILVAI got it!

The financier paces across the room in mid-story.

48.

A Reporter scribbles in his notebook. Rapt with attention.

PONZISilva, my boy. I was just recounting the story of my first day on American soil.

Ponzi continues his tale.

PONZI...I was told the streets were paved with gold. But all I saw was mud...

The Reporter chuckles.

PONZI...I got on my knees, thinking it had to be just underneath all that muck...

He drops to one knee on the floor. Reliving the moment in the office.

PONZI...and what do you know.

He holds up his gold Liberty Dollar in triumph.

PONZIThere it was. I’ve carried it since.

Silva takes the stage.

SILVAI got the part. Second lead.

It finally gets through to Ponzi.

PONZIWell that’s just jake.

(to the Reporter)Silva here’s an actor.

Ponzi throws an arm around his friend.

PONZILook, I’ve got to finish this interview. The Post is running a feature--

49.

REPORTER--Maybe front page.

PONZIYou hear that?

Walking Silva toward the door.

PONZIWe’ll celebrate tonight. How’s the Chart House sound? Nine o’ clock.

Silva leans closer to Ponzi’s ear.

SILVAI could use some scratch. It’s a hell of a part. But the pay is peanuts.

Ponzi dips into his pocket. Slaps a few bills into Silva’s hand.

Silva looks twice at the paltry sum as he’s ushered toward the door.

IN THE FRONT OFFICE

Melli closes up the box in frustration.

Calling to Silva as he passes.

MS. MELLIHey. They screwed these up. Spelled his name with an S instead of a Z.

The phone rings again.

MS. MELLII’m buried here.

Silva looks at one of the misprinted books. Then around the busy office. Something gleams in his eye for a moment.

SILVADon’t worry. I’ll take them back.

He tucks the loose book into his pocket.

Grabs the box off her desk.

MS. MELLIThank you. You’re an angel.

50.

INT. CHART HOUSE RESTAURANT - NIGHT

Silva and Rose sitting in silence. An empty chair between them.

A waiter stalks the table.

Rose unfolds her napkin. Laying it in her lap.

ROSELet’s order.

She hands Silva a menu. Touches his hand with a smile.

ROSEAnything you want. You’re a star now.


A buxom BLONDE pulls a folded-up Ponzi note from her cleavage.

She slips it under the bars to the embarrassed clerk.

BLONDEBetter safe than sorry. I’ve heard the sharks are circling this place.

The Clerk examining the note between stolen glances of her bosom.

CLERKWe have...

(clearing his throat)...ample security ma’am.

He counts out her money. Sliding it across the counter.

CLERKPerhaps you’d like an escort?

BLONDEThat’s nice of you, cutey. But my boyfriend is right outside.

CLERKNot me...I meant...

She snatches the money and is gone in a flash. Quickly replaced by a less attractive investor.

51.

EXT. SCHOOL STREET, BOSTON - DAY

The Blonde turns the corner and approaches a man leaning against the wall.

His face is obscured by another Ponzi headline.

BLONDEDuck soup.

Silva peeks over the paper.

SILVANo questions?

BLONDEI could’ve handed him my grocery list.

SILVAI bet you stole his innocence, huh?

She hands over the wad of cash.

BLONDEJust like I stole yours.

Silva tucks a few bills into the space between her breasts.

SILVANice work.

He’s off down the street. The Blonde following like a puppy.

BLONDEYou’re still buying dinner.

INT. PONZI APARTMENT - DAY

Rose balances on a footstool wielding a feather duster. She slays cobwebs in a far corner of the ceiling.

PONZII’m sorry about last night. I showed that reporter the time of his life. Bet he’ll write some story.

Ponzi steadies his wife. Gripping her by the waist.

52.

PONZII’ll make it up to you, Petal. I promise.

ROSEYou don’t need to apologize to me.

PONZIOh, Silva’s a big boy.

He helps her down gently from the perch.

PONZITake a ride with me. I only need to sign some papers. They are preparing a lunch.

He flashes her his winning smile.

PONZIYou’ve got to see this place.

ROSEThis apartment doesn’t clean itself Charlie.

Ponzi admires the mess.

PONZIA wonder someone hasn’t invented that yet.

EXT. LEXINGTON MANSION - DAY

Ponzi’s black Hudson pulls up to an enormous house.

He guides the car through an open iron gate. Up the long cobblestone entrance.

Rose stares out the window transfixed.

A moving crew unloads furniture from several trucks crowding the driveway.

Ponzi alights from the car. Running around to open his wife’s door and help her out.

She is blown away by the magnificent residence.

ROSEIt’s...enormous.

53.

PONZITold ya. Isn’t that something?

INT. LEXINGTON MANSION - DAY

The couple enter through a grand foyer. Falling in with the train of home furnishings.

ROSEShouldn’t we knock?

The movers scurry around them. Rose admires a Louis XV loveseat as it passes.

PONZIWe’re expected.

EXT. LEXINGTON MANSION - DAY

Ponzi and Rose are seated on a broad terrace, shaded by a large umbrella.

A banquet fit for a king is laid out alfresco.

Several servants attend to the couple.

One of them trickles Dom Perignon into a pair of crystal flutes.

Rose holds a silver spoon up to the light.

ROSEWho lives here?

Ponzi smiles.

PONZIThey just bought the place. It’s fit for the Rockefeller’s, no?

A Notary appears out of nowhere. Setting a leather folder down and handing Ponzi a gold pen.

He stands witness as Ponzi signs several documents.

Ponzi hands the folder back. The Notary refuses the pen.

NOTARYKeep it. Congratulations Mr. Ponzi.

Rose watches the Notary leave. Looks back to her husband.

54.

ROSECongratulations...for what?

Ponzi raises his champagne.

PONZIA toast.

Rose hesitates a moment. Raises her glass to meet his.

PONZITo my lovely wife...

He kisses her glass with his own.

A servant takes away their finished plates.

PONZI...and her new self cleaning home.

EXT. LEXINGTON MANSION - MORNING

Ponzi kisses his wife good-bye on the front porch.

Bounding off the steps like a schoolboy.

His limousine awaits him curb side. The driver posted by an open door.

Ponzi hops in the back seat. Settling in next to a warm copy of the Boston Post.

IN THE LIMO

Ponzi eyes the paper’s headline as the car pulls away from the house.

LIMO DRIVER (O.S.)That’s some read.

PONZIAs long as they spelled my name right.


The Newsboy works his corner. Barking details of the day’s big story. Straining to be heard over the noise.

55.

NEWSBOY(hollering)

Ponzi doubles the money! Wizard of Finance takes on banks!

He is nearly swept away by a deluge of Bostonians. They threaten to buy up his entire inventory.

The immense crowd radiates out from the young vendor.

ON A ROOFTOP

A few neighborhood kids bear witness to the spectacle below.

They point in awe at the sea of straw hats and squirming humanity.

PONZI (V.O.)Boston had come through in grand style.

Ponzi’s limousine parts the multitude.

PONZI (V.O.)I was the realization of their dreams. The idol. The hero.

DOWN ON SCHOOL STREET

A line of investors stretches for blocks.

PONZI (V.O.)The master and arbiter of their lives. Of their hopes. Their fortunes.

Ponzi followers clutching handfuls, wallets and boxes of cash. Eager to hand it over to the man on the front page.

PONZI (V.O.)The discoverer of wealth and happiness. The wizard who could turn a pauper into a millionaire overnight.

IN THE LIMO

Ponzi reclines, playing with his gold Liberty Dollar.

56.

PONZI (V.O.)I might have started a snowball downhill...

PONZI

The newly minted celebrity alights from his luxury auto into the throng.

PONZI (V.O.)...but it became an avalanche all on it’s own.

INT. SECURITIES EXCHANGE COMPANY - MORNING

Melli ignores the incessant ringing of the phone.

She’s too busy counting cash. Covering her desk in neat piles.

Ponzi enters, throwing his back against the closed door.

PONZIThey nearly tore me to shreds.

Melli jumps up. Snatching his straw hat and cane as he darts across the room.

MS. MELLII’m going to need an escort to the Tremont. We’ve taken in nearly...

She can barely believe it.

MS. MELLI...a million. And it’s not even lunch yet.

Ponzi grabs the knob of his office door.

PONZILunch. I’ll need a reservation at the Copley.

Melli remembers something.

MS. MELLISIR. There’s an--

He’s already inside.

57.

INT. PONZI’S OFFICE - CONTINUOUS

PONZIOfficer Downey.

Downey leans against the wall. Admiring the mob out the window.

DOWNEYSome crowd.

PONZIThe power of advertising.

DOWNEYI’ve been hearing your name in every corner of this city lately.

PONZIThought that ringing in my ears was from the phones.

DOWNEYMore than a few cops been visiting you on payday. I hear you can turn a dime into a dollar.

PONZIThese days, I’d much prefer being able to turn water into wine.

Ponzi stations himself behind his desk.

PONZII am offering fifty percent interest in six weeks.

DOWNEYThat’s some trick. How do you do it?

Downey looms behind Ponzi. Fingering something in his waist band.

PONZITrade secret I’m afraid.

The officer drives his nightstick down into Ponzi’s desktop. Barely missing his face.

58.

DOWNEYHonestly. I don’t give a rat’s ass how you do it. Sign me up for a G note.

Ponzi starts filling out a receipt for the cop.

PONZIYour making a fine investment. Rest assured your money--

DOWNEYNot mine.

Downey rips the note from the pad. Heads for the door swinging his baton.

DOWNEYStay out of trouble.

INT. PRIMERO’S FURNITURE SHOP - DAY

Primero flips through a stack of bills. Eyeing them close for authenticity.

He wears a grungy apron. Looming over an iron pot of water.

His Nephew buzzes around him with a smug grin.

PRIMEROYou better not have hit my sister up for this.

Primero cranks up the flame on the burner.

NEPHEWNo, no. I got it on my own. I made an investment.

PRIMEROIn what, a gun?

NEPHEWFor real. Down on School Street. Fella name of Ponzi.

Primero averting his eyes from the stove top.

PRIMEROBaloney.

59.

NEPHEWYeah. He’s got some operation. People linin’ up around the block, throwin’ dough at him. Don’t you read the paper?

Primero snaps a handful of spaghetti in half.

The water reaches a violent boil.

INT. BATHHOUSE - DAY

Ponzi and Silva reclining next to each other. Simmering in a pair of hot tubs.

Silva quaffs a full glass of champagne. Grabbing his personal bottle for a refill.

SILVASure beats the shower room in Montreal Pen.

PONZIAnd how.

PRIMERO (O.S.)Colossal bust, huh?

Ponzi picks up a hand mirror from the table next to him. Identifying his inquisitor in the glass.

PONZIIf I could see the future I wouldn’t need to go to work everyday.

PRIMEROYou call this work?

SILVAIt’s a living.

PRIMEROI want a cut.

PONZIGo see a barber.

PRIMEROWithout my loan you’d have nothing.

Ponzi wipes steam off the mirror. Admiring himself.

60.

PONZII’d have my good looks.

Primero is ready to pounce.

PRIMEROThat’s easy to fix.

Ponzi pours himself a fresh glass of champagne.

PONZI(calling out)

Staggs.

His bodyguard appears through the mist. All meat and gristle.

STAGGSSorry Mr. Ponzi. Had to use the little boys room. Everything O.K.?

PONZIWill you please show Mr. Primero out. I think the heat is getting to him.

Primero storms out of the spa before Staggs can comply.

SILVA(to Staggs)

Grab some more champagne will you stooge...I mean Staggs.

INT. SWIG’S OFFICE - DAY

A PINKERTON DETECTIVE, hiding under a low-brimmed fedora, peruses the Post’s cover story. He throws the paper onto Swig’s massive oak desk.

Swig scrutinizes a Postal Reply Coupon. Chewing on an unlit cigar.

SWIGHe’s making a fortune with these?

PINKERTONNot anymore.

Swig scowls at the detective.

61.

PINKERTONThe Postal Congress froze the program. Stopped issuing coupons over a month ago.

Swig looks back at the specimen.

PINKERTONI stole that one from my mother.

The banker throws a thick envelope at him.

The Pinkerton tucks his payment away. Moving toward the door.

SWIGSo he found a better way to make his money.

The Pinkerton peers through the office door at the empty bank lobby. Then back to Swig.

PINKERTONLooks like he’s trying his hand at banking.

INT. SECURITIES EXCHANGE COMPANY - NIGHT

Ponzi locking up his office door in the poorly lit hallway.

VOICE (O.S.)Charles Ponzi?

Ponzi spins around, startled.

PONZIChrist man. You must be in my will.

An Unknown Man steps from the shadows. His hand tucked into his jacket.

PONZIYou’ll have to come back tomorrow...

Realizing the late hour.

PONZI...Or later today.

The Unknown Man steps closer.

62.

UNKNOWN MANI’m not here to invest.

Ponzi notices him going for something.

Drops his keys.

The Unknown Man whips out

an envelope.

Thrusting it into Ponzi’s hand.

UNKNOWN MANI’m not here to invest.

Ponzi peeks inside at the contents.

PONZIThen how can I help...

The unknown man is a Court Clerk. And he’s not hanging around.

COURT CLERK(yelling back)

You’ve been served.

INT. PRIMERO’S FURNITURE SHOP - NIGHT

Primero reigns over a poker game with several shady characters.

He lays down a half eaten pickle just long enough to peek at his cards.

Ponzi throws the summons down in front of him.

PONZIYou’re suing me?

He’s irate.

PONZIYour friends know you’ve been hanging around the court house?

PRIMEROMy lawyer makes house calls.

He throws some chips on the pot.

63.

PRIMERORaise.

Keeping his eyes on the game.

PRIMEROI kept you from going belly-up. I figure I’m entitled to some of the spoils.

PONZIYou got your money. With interest.

PRIMEROInterest...

He scoffs.

PRIMEROThey’ll be plenty of interest in how you’re making money hand over fist...

Popping the last bite of the dill into his mouth.

PRIMERO...A million dollar action is sure to make the papers. Perhaps we can work something out...

He slurps the green juice from his fingers.

PRIMERO...like gentleman.

Now it’s Ponzi turn to scoff. He heads for the door.

PONZI(calling back to the players)

He’s bluffing.

Primero chucks his cards into the pot face down.

INT. PONZI BEDROOM - NIGHT

Ponzi creeps into the darkened room. Begins to undress in the moonlight.

Sliding under the covers like a man returning from an affair.

Rose lies awake.

64.

ROSEI can smell it on you.

PONZIYou’re awake, Petal?

He leans over to kiss her.

PONZISilva spilled a glass of wine at dinner.

She pulls away slightly.

ROSENot liquor. Money.

Ponzi cowers onto his side of the bed.

PONZIThere are worse smells.

She’s not amused.

PONZIThe Mass Ave. subway stop.

The sounds of night.

ROSEOur old apartment.

He flops back to face her. She’s holding her nose.

PONZILet’s have a picnic tomorrow. In the garden. Just me and my Rose.

Ponzi lays his head back on a plump down pillow.

PONZISweet dreams, angel.

INT. PONZI BEDROOM - MORNING

Sun streaming through a sliver of plush drapery.

Charles and Rose slumber like birds in a nest. Swaddled in ruby colored silk sheets.

Murmurs penetrate through the window.

65.

A car horn stirs Rose awake.

She pulls apart the tall curtains.

Revealing the full splendor of the Ponzi’s master bedroom.

Her eyes adjust to the blinding sunshine. She gasps at the scene just outside her window.

ROSECharlie. Wake up.

EXT. LEXINGTON MANSION - MORNING

The yard is teeming with people.

A line of cars inches by the mansion. Families gawking at the spectacle.

A mother cranes her neck to catch a glimpse of the mansion.

Ponzi steps onto his front porch in a silk bathrobe.

He is assaulted by several reporters calling out his name.

POP POP POP

A series of flashbulbs catches Ponzi off guard.

He readies himself for the next round. Slipping into his trademark smile.

POP POP POP

PONZII hope one of you brought a copy of the Post.

Picking up the newspaper lying on his step.

PONZII need my paper first thing.

A SKINNY REPORTER steps out of the crowd and up to the plate.

SKINNY REPORTERPonzi, You buy this house with coupons?

PONZIWhy? You think the bank would take ‘em?

66.

A SHORT REPORTER pinch hits.

SHORT REPORTERHow can you offer such a return when the banks are barely giving two percent?

PONZIMaybe you should be asking the Brahmins downtown that question.

He steps to the edge of his porch.

PONZINow I can’t divulge all the details for fear of outright pilfering. But I will give you the gist...

The Reporters crowd closer.

PONZIWho’s got a buck.

A Smart Ass yells out.

SMART ASSDon’t you have plenty?

The Skinny Reporter hands over a crumpled bill.

PONZIGentleman my system is simple...

Ponzi folds the bill into a tiny figure.

A sailboat.

Gently setting it afloat in a nearby birdbath.

PONZIAn adventurous dollar bill takes a trip across the sea...

Ponzi propels the vessel with a stiff breath.

Motioning to his audience to examine it as it reaches the far side.

Smart Ass plucks it from the water. Unfolding it with haste.

It has transformed into several hundreds.

The crowd is ecstatic.

67.

PONZI...and comes back married with a couple kids.

Ponzi takes the bills from Smart Ass. Handing them out to a lucky few.

PONZINow if you’ll excuse me gentleman, my eggs are getting cold.

A MOVIE DIRECTOR steps through the crush of men. Followed closely by his Cameraman.

MOVIE DIRECTORMr. Ponzi, just a moment if you please. We are making a film.

ROSE (O.S.)My husband would never make it in the movies. He loves hearing himself talk.

Laughter from the crowd.

Rose standing in the doorway. Fully dressed and radiant as the morning sun.

MOVIE DIRECTORHow ‘bout it Mrs. Ponzi? A day in the life?

The Director framing the couple through his fingers.

Ponzi looks to her for the answer. She lets him sweat.

ROSEIf my husband promises to put on some clothes.

FILM MONTAGE - A DAY IN THE LIFE

--The sound of a camera WHIRRING up to speed.

--A title card, reading: “CHARLES AND ROSE PONZI AT THEIR LEXINGTON ESTATE JULY 4TH, 1920”

--Grainy black and white film images flicker on screen.

--The Ponzi’s enjoy a lavish buffet. All crystal and sterling silver. Their movements slightly sped up.

68.

--Ponzi doing laps in his pool.

--Ponzi swings a croquet mallet. Chasing Rose around the yard, between the wickets.

--She’s laughing at him.

--They pose together on a horse and carriage.

--Rose smiling, shielding her eyes from the bright sun.

--The screen flashes white.

--Ponzi touches a sparkler to a rocket stuck in the lawn.

--Fireworks burst in the sky.

EXT. LEXINGTON MANSION - NIGHT

Ponzi and Rose see her parents to the door.

ROSE’S MOTHERWhat a lovely day. Your house is just...magnificent.

Rose gives her mother a warm hug.

ROSE’S FATHERCharles, my daughter has always believed in you.

Rose grasps her husband around the waist. Looking up at him proudly.

ROSE’S FATHERAnd I have to be honest. I thought this was going to be like all the rest of your business ideas.

PONZIWhy, thanks Dad.

Rose’s father admires the house.

ROSE’S FATHERBut I’m glad to say I was wrong.

He takes a thick envelope from his inside pocket.

ROSE’S FATHERI want to invest this with you. It’s our life savings.

69.

Ponzi hesitates.

PONZII’m honored, sir...but...what about putting all your eggs in one basket?

Rose’s father throws an arm around Ponzi. Insisting he take the envelope.

ROSE’S FATHERIt’s not just any basket.


Ponzi waiting across from an empty chair.

A Nervous Clerk returns accompanied by Swig.

SWIGMr. Ponzi, I do apologize--

PONZIWhat seems to be the trouble Swig. You lose my money?

SWIGI’m afraid I have some bad news regarding your account with us.

PONZIWhat’s the skinny?

SWIGPerhaps we should discuss the matter in my office.

PONZIJust have it out already.

SWIGThe majority of your balance has been frozen due to a writ of attachment on a certain lawsuit. It will be secured by Tremont Trust, without accruing interest until such time as the court releases it...

He lights a thick cigar.

70.

SWIG...or claims it.

PONZIThe majority? And what of the minority?

Swig spews a mouthful of smoke.

SWIGFive Hundred.

Ponzi looks barely satisfied. He stands abruptly to make his exit.

PONZIHalf a million will do just fine. In cash please Mr. Swig, and we’re in a hurry.

SWIGFive HUNDRED dollars, Mr. Ponzi.

He drives it home.

SWIGWould you like that in ones?

INT. S.E.C. OFFICE - DAY

Melli works busily at her desk. A phone to her ear. Another ringing off the hook.

She covers the receiver.

MS. MELLIThis morning’s deposit has just been counted and bagged. Staggs is waiting to accompany me.

Ponzi stands over her desk.

PONZII’m on my way to the Trust. I’ll convey the money.

Ponzi hoisting a leather satchel. He exaggerates it’s weight.

PONZIThe size of these deposits, you think they’d send someone for them.

71.

MS. MELLIYeah, don’t you own that bank by now.

Ponzi looks back at her.

She smiles. Finally answering the ringing phone.

INT. ROTHSTEIN’S OFFICE - DAY

ROTHSTEIN (50s) a pinch of a man in a fine grey suit and round spectacles hangs off the side of a ladder.

Surveying a high shelf in a wall of books.

He spots the leather bound object of his search. Extracting it from its place among the volumes.

Seating himself behind a huge desk across from Ponzi.

He places the large tome between them.

Staggs looms by the door to the office.

ROTHSTEINThe writ of attachment ligatures three million dollars across several of your accounts. It can be released only on the courts order.

PONZII need to get at that money.

ROTHSTEINJudge Javik is presiding over the case. We attended Harvard together. A phone call should suffice to free the assets. As for the suit--

PONZII’m going to settle.

ROTHSTEINThe action is groundless...

He adjusts his glasses.

ROTHSTEIN...his council, a complete amateur.

Ponzi motions for his man.

72.

PONZII’ve no time for court proceedings. Time is money. Can you handle this?

ROTHSTEINOf course.

Staggs drops a heavy leather satchel onto the desk.

PONZIAnd I will need you on retainer. This should cover your fee.

Rothstein peers over the top at its contents.

ROTHSTEINThat leaves only one more thing then.

Rothstein slowly opens the book.

Ponzi furrows his brow.

The tome is hollowed, concealing a small amber bottle and two glasses.

The attorney fills the tumblers.

They touch with a clink.

ROTHSTEINL'Chaim.

PONZISalute.

INT. BOARD ROOM - DAY

Swig governs over the conference table. Chomping on a cigar.

He is flanked by the bank’s board of directors.

SWIGExactly how many shares are you proposing we sell you?

Ponzi and Rothstein are posted across from them. Ready for battle.

PONZIOh...two thousand or so.

73.

Swig shakes his head in disbelief. Cracking a bemused smile.

SWIGThat would give you control of the bank.

PONZIThat is just what I want.

SWIGMr. Ponzi. Why would I...

Looking to his fellow bank officers.

SWIG...why would we hand over controlling interest to you. A mere account holder?

PONZIHaven’t I explained myself. I am perfectly willing to pay for it.

One of directors lets loose a giggle.

Swig fires a glare at him.

SWIGWe are willing to sell you a standard block of stock and make you a director.

Swig’s Lawyer butts in. Speaking directly to Rothstein.

LAWYERIt is a very generous offer.

PONZIWill you sell me the shutters on your house as well?

SWIGI’m sure you will be pleased with a directorship. We throw a wonderful picnic each year in the spring.

The bankers share a collective laugh.

PONZIHow much of your own money is in this institution, Swig? And I’m not talking about the nickels in your office couch.

74.

Swig swells at the challenge.

SWIGMy father was president of this bank for thirty years.

He stands. Gesturing to a series of portraits on the wall. The resemblance clear.

SWIGMy grandfather directly preceded him, having been one of it’s founders in 1855. I consider this bank my home.

Ponzi looks around the board room. Admiring the decor.

PONZIAnd you’ve done a fine job with the place.

He knocks hard on the thick mahogany table.

PONZIBut my account is larger than all of your others combined. Quite frankly, it’s beginning to look like a ten carat diamond in a pawnshop window.

Swig chews on his cigar like a pretzel.

Ponzi checks his watch.

PONZIIt seems to me that our differences cannot be bridged.

He pulls out his checkbook.

PONZIYou keep your bank. I’ll find another one.

Swig puffs up, having won this battle.

PONZICan you tell me what my balance is today?

It’s a pin in Swig’s balloon. He shutters at the thought.

75.

SWIGYou are not planning to withdraw your entire balance?

PONZICertainly I am. Right now.

SWIGI believe your funds are still attached to one hell of a law--

Rothstein is out with the judge’s release in a flash. Handing it across the table to Swig.

Swig slides it to his lawyer.

The attorney’s confirmation seals Swig’s defeat.

PONZILet’s talk numbers.

INT. SWIG’S OFFICE - NIGHT

Swig scowls at the front page of the Boston Post.

Ponzi smiles back at him in black and white.

SWIGUnder that pastel suit and slick hair is nothing but a common criminal.

The Pinkerton Detective looms behind him in the darkness.

SWIGFind out everything about the man. He doesn’t belong in this game.

Swig throws a Boston Post Newspaper into his fireplace.

SWIG (O.S.)I want him carried off the field.

Ponzi’s face burns bright then blackens.


Melli working late in the darkened office.

She notices something strange on a redeemed note as she logs it in her ledger.

76.

She retrieves a saved specimen from her desk drawer.

Scrutinizing the two under the lamp. She confirms her suspicion.

INSERT - TWO MISPRINTED PONZI NOTES, READING:

Charles Ponsi


The Blonde is back, exchanging another fake note.

BLONDEThanks, cutey pie.

A different, equally naive teller smiles nervously as she hurries away with her money. He leaves his window. Brings the note directly to Ms. Melli.

EXT. SCHOOL STREET, BOSTON - MOMENTS LATER

The Blonde exiting the building. Merging onto the crowded sidewalk.

Staggs is moments behind her. Cutting a path. Never losing sight.

He halts his pursuit. Watching as she meets up with her accomplice.

The couple disappears around a corner.

INT. PARKER HOUSE RESTAURANT - NIGHT

Ponzi revelling in a meal with Staggs and some associates.

Cutting into a rare steak.

A bloodied handkerchief falls into his plate.

He spins around.

Silva bearing down on him. His face ground chuck. There are early signs of a couple shiners.

SILVAToo bad I’m not playing the Phantom of the Opera.

77.

PONZIWhat happened to your face?

Silva looks at Staggs with scorn.

Ponzi following his glance, confused.

STAGGSMelli caught him passing fake notes. I was gentle. I only used my hands.

He raises his giant mitts innocently.

PONZI(back to Silva)

I had no idea. You know I never would’ve...

Noticing Silva’s ragged new suit.

PONZIHow much did you take?

SILVAWhat does it matter? You’ve got more than enough.

PONZIWhy didn’t you just ask? You didn’t have to steal.

SILVAIs that so?

Ponzi bristles at his tone.

He notices the other diners, who have taken an interest in the drama.

PONZI(to his guests)

It’s a wonder what they can do with make-up these days.

His guests laugh at Silva’s expense.

SILVAWhy don’t you replace me? You’re the best actor in town.

Turning to address the entire restaurant.

78.

SILVALadies and gentlemen. Lay down your forks and lookee here. Don’t you know who sits before you...

Ponzi reaches out to silence him.

Staggs rising to his feet.

SILVA...It’s the Wizard of Finance...The Sultan of Securities...

Silva jumps up on an adjacent table, knocking a couple of glasses to the floor.

Introduces Ponzi with a flourish.

SILVA...The Pied Piper of Boston.

Staggs looks to Ponzi, who nods. And the bodyguard goes into attack mode.

SILVATake out your wallets. Pry loose your fillings...

Staggs grabs a hold of his legs. Throwing him over his shoulder like a sack of potatoes. Heading for the exit.

On the way out, Silva finishes his rant.

SILVA...Lay it all at the feet of this man, Ponzi. And he will return to you exactly everything you deserve. Doubling your money as promised. By folding it in half and placing it into his pocket.

Silence fans over the dining room.

Ponzi is quick to react. Motioning to the startled Maitre d’ and addressing the diners.

PONZILadies and gentlemen, I apologize for disturbing your meal. The man was merely a disgruntled employee. Wanted to be transferred to my New York office so he could watch Ruth play.

79.

Boos from the customers.

PONZIPlease enjoy your dinner and don’t skimp on dessert, as I will be personally paying the tab.

Applause breaks out.

In a far corner of the dining room, the Pinkerton Detective throws down a tip by his unfinished steak.

Following the commotion out the door.

Ponzi rejoins his guests. His smile slightly less convincing than usual.

INT. SWIGS OFFICE - NIGHT

Swig smiling wide, chewing on smoke.

A black and white mug shot splashed across a Canadian newspaper.

It’s Ponzi. Younger and sporting a mustache. But we’d know that smile anywhere.

Swig hands the paper to the Pinkerton Detective.

SWIGRead it again.

PINKERTON“The jury found Charles Ponzi, AKA Charles Bianchi, guilty on five counts of forgery. Ponzi was arrested while attempting to pass fake checks and sentenced to thirty-six months in Montreal penitentiary.

Swig twists the fat cigar between his lips. Exhaling a thick, grey cloud.

INT. LEXINGTON MANSION - NIGHT

Ponzi enters the darkened foyer. Nearly tripping over a large suitcase by the door.

He sees Rose descending the staircase with another.

80.

ROSEDid he find you?

PONZISilva?

He sees her puffy, red eyes.

Rose...I didn’t--

ROSEHe came here first. How could you?

PONZIMelli caught him stealing from me. Staggs attacked him on his own.

ROSEStealing? From you? He told me everything.

She moves past him. Reaching for the door.

He grabs her.

PONZIRose wait. We can go somewhere. Start a new life. Just you and I.

ROSECharlie...

He mops her cheek with a silk handkerchief.

ROSE...all those people...they trusted you...

She shakes her head in disbelief.

ROSE...my family.

Embraces her husband.

ROSEI’ll be staying with them.

Ponzi grips her tightly. As if for the last time.

PONZII wanted all this for you, Rose.

81.

ROSEI never wanted it, Charlie.

PONZII’m sorry.

She pulls away.

He lets her go.

She gathers her things and is gone.

Ponzi looks to his trembling hand.

The pearl earrings lie in his palm.

EXT. SCHOOL STREET - NIGHT

Ponzi walks the quiet street alone. He peers over his shoulder at a noise in the distance.

A man passes close by as Ponzi approaches his office building.

MANEvening.

PONZIThat it is.

It’s the Pinkerton Detective.

PINKERTONCharles Ponzi?

Ponzi spins. The empty street has him jumpy.

PONZIWho’s asking?

PINKERTONSimon Swig would like to speak with you.

PONZINever heard of him. Do you always accost strangers in the mid--

Ponzi doubles over a swift wallop to his gut.

When he gathers himself he spots the Pinkerton’s pistol winking at him.

82.

INT. SWIG’S OFFICE - NIGHT

The smoke clears on Ponzi’s pale face. He holds the newspaper.

He is shell shocked. Staring at his past. At his stupid grin.

Swig leans way back in his chair. Enjoying every minute.

PONZIHow much do you want?

SWIGI don’t want your money. You’re going to need all you can carry. I would however like my bank back.

Swig’s lawyer is there. Contract at the ready.

Ponzi signs it without dispute. Laying his gold pen on top of the document.

SWIGYou have twenty-four hours to leave Boston. Then I call the authorities.

PONZII’ll be needing my money.

SWIGOh, I’m quite sorry sir. You’ll have to come back during business hours.

Ponzi rises, heading for the exit.

SWIGYou’d never make it as a banker...

He doesn’t look back.

SWIG...the people like you too much.

As Ponzi reaches the door.

SWIGOh, and don’t forget...tomorrow is Sunday.

As soon as the door closes, Swig picks up his phone.

83.

SWIGOperator, connect me with The Boston Post please. Thank You. City Desk.


Ponzi creeping through the dark.

PONZI (V.O.)The money itself meant nothing to me...

He kneels behind his desk.

PONZI (V.O.)...What I wanted to do was test it’s power. To derive from it the thrill incidental to the accomplishment of things called impossible...

He empties the floor safe into a large leather bag.

PONZI (V.O.)...But I was swept up along with everyone else by hope and greed and the worst type of madness...

The cash is overflowing. Ponzi struggles with the zipper.

PONZI (V.O.)...But I never had to sell my soul to the devil...

Ponzi looks back one last time before closing his office door.

PONZI (V.O.)...He found he could get it for nothing if he waited long enough.

EXT. SCHOOL STREET, BOSTON - MOMENTS LATER

Ponzi nearly trips over a something large while exiting his building.

A Mother and her young son lie slumped against the wall on the sidewalk.

84.

PONZIMa’am. Are you alright? Is your boy alright?

She’s awake. The kid dozes.

MOTHER(whispering)

Thank you sir. We’re just trying to beat the crowds.

She holds up a Ponzi note proudly.

Ponzi looks around at the empty block. Morning light has just begun paint the quiet street.

PONZIWhy that’s just what I planned to do. Early bird they say...

He lays down the leather bag. Pulls out a large stack of twentys.

PONZIWhy don’t I take care of that now. You and your boy can go home. Get some rest.

She recognizes the famous financier. Her eyes brighten.

MOTHERPonzi!

The kid stirs.

Ponzi quickly tucks the money in her purse. Helps her and the child up.

MOTHERThat’s too much...

She hands him the note as he directs them down the sidewalk.

PONZIGet that one to bed.

Ponzi turns on his heel. Heads in the opposite direction.

The Mother’s note falls to the ground.

85.


The Newsboy hawking his wares on the corner.

He’s less enthusiastic today. Grim.

NEWSBOYPonzi the Snake!

An unruly crowd surrounding. Near riotous.

Two men wrestling in the dusty street.

A Ponzi note floats out of their reach but neither seems much interested in it now.

A speculator prowls the endless line. Propositioning the nervous investors.

SPECULATORI’m willing to pay half face value on all Ponzi notes. Of any denomination. Cash.

The Cameraman from the Post steps out of line to take him up on his offer.

SPECULATORHas the man even shown for work today?

The Speculator exchanges a few bills for the note.

CAMERAMAN(to the crowd)

Ponzi is on his way far from here. We’ll never see him again.

EXT. INTERNATIONAL TICKET OFFICE - DAY

Ponzi lays a pile of cash in front of a Travel Agent.

PONZINaples. First class.

She cranes her neck to get a better look through the bars.

Ponzi quickly turns his face away.

Snatching the ticket off the counter as soon as it’s issued.

86.


Downey cuts a path through the unruly crowd in the hallway.

He finds the office closed. Door locked.

DOWNEY(banging on the glass)

Open up. It’s the police.

Staggs cracks the door and the flatfoot storms in. Melli cowers by her desk.

DOWNEYWhere is he?

He shoves the bodyguard hard.

Doesn’t wait for an answer. Launches into Ponzi’s office.

The room is empty.

Under Ponzi’s desk he finds the empty safe.

EXT. SCHOOL STREET, BOSTON - DAY

The Newsboy and his pal playing jacks in the dirt.

Behind them, the gold dome of the State House shimmering in the low sun.

They notice Ponzi staring up at it. Possessed by something.

He starts toward the building. Resolve growing with each step forward across the cobblestone.

PAL (O.S.)Hey it’s Ponzi.

The Newsboy runs up. Waving the front page.

NEWSBOYIs it true? Are you a crook?

Ponzi’s not slowing down for anyone.

He flashes his brightest smile. The last barrel in his chamber.

PONZIDo I look like a crook?

87.

NEWSBOYWhy no! You look like a million bucks.

PONZIThanks Kid, But I think you’re selling me short.

NEWSBOYHowzat?

His Pal struggles to keep up.

PALWhere you going Ponzi?

PONZISee that gold building?

PALYou going to buy it?

NEWSBOYHe’s going to buy it.

Ponzi looks down with a grin.

PONZII think I’ve bought enough for a while.

A handful of men have spotted the millionaire. Joining the procession toward the State House.

Ponzi swings his cane like a drum major.

The troupe grows with every step. Drawing the devoted and the curious.

A few more blocks and he’s leading a small army.

A carriage pulls up alongside. It’s driver slowing his horse to a trot.

AT THE BASE OF THE STATEHOUSE STEPS

Ponzi turns to address his followers one last time.

PONZII think you’ve all followed me far enough.

88.

He reaches into his pocket, pulling out the gold Liberty Dollar. It glints in the light.

Ponzi flips it into the air.

It turns slowly, end over end, in a high arch toward the sky.

The Newsboy snatches it from the air in his cap. Laying it back on his head.

PONZIDon’t spend that one, kid. It’s lucky.

INT. STATE HOUSE - MOMENTS LATER

Ponzi retracing his earlier steps under the large gold dome and across the marble foyer.

Everyone stops to watch the famous financier walk by.

INT. DISTRICT ATTORNEY’S OFFICE - MOMENTS LATER

Ponzi sitting surrounded by the DISTRICT ATTORNEY and his assistants.

His Secretary and a few others peek inside.

The entire office hanging on his every word.

DISTRICT ATTORNEYMr. Ponzi that is some tale.

PONZIAnd every word of it true.

DISTRICT ATTORNEYThen I’m afraid...

The District Attorney signals to his deputies. They step up behind the financier.

DISTRICT ATTORNEY...I must place you under arrest for fraud.

Ponzi stands, offering them his wrists.

89.

INT. MELLI’S APARTMENT - DAY

A Courier stands in her doorway with a large duffel bag.

PONZI (V.O.)They had bought my six-cent Reply Coupon for fifteen million dollars. And it was cheap at that price...

IN THE KITCHEN

Melli lays the delivery on the table.

Unzips it. Peeking inside.

PONZI (V.O.)I had given them the best show ever staged in their territory since the landing of the Pilgrims...

On top is a ticket embossed with a drawing of a ship.

Then she sees the loot.

Filling the bag to the brim.

PONZI (V.O.)...The most brazen exhibition of sheer nerve that had ever been witnessed in the world of finance.

She falls into a chair.

PONZI (V.O.)It was easily worth fifteen million bucks to watch me put the thing over.

EXT. SCHOOL STREET - MORNING

The Newsboy holding up the morning’s Post. He’s not selling many today.

The headline reads, “PONZI HOPELESSLY INSOLVENT.”

NEWSBOYS.E.C. closed! Ponzi bankrupt!

90.


A line of customers snaking out the door.

Tellers struggling to keep up with a windfall of deposits.

Swig takes in the scene. Chewing on his cigar with a wide grin.

INT. THEATRE - NIGHT

A sold-out crowd fix their eyes on the stage.

Silva woos his leading lady on a park bench.

He flubs a line as his eyes meet a seductive patron of the arts in the front row.

EXT. BOSTON COMMON - DAY

Rose walking alone among the bare willows.

She gathers her coat. Sparring with an icy breeze.

Then stops.

Noticing something in the air around her.

Holding out a gloved hand as the first snowflake of the season drops lightly into her palm.

INT. JAILHOUSE - DAY

Five prisoners surround a metal table covered with chips and playing cards.

They look to the bettor.

Ponzi

A dapper gentleman even in stripes. Grinning behind a mountain of chips.

An inmate sits beside him. Sorting through hundreds of envelopes.

A prison guard enters. A sack slung over his shoulder.

He dumps its contents on the pile.

91.

PRISON GUARDHere you go Santa Claus.

The Inmate plucks an envelope from the top.

Ripping it open he finds a folded letter and several dollar bills.

INMATEAnother one.

Ponzi finally lets the other players off the hook.

PONZII bet it all.

FADE OUT.

THE END

92.

the rise of mr. ponzi

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