This was a lovely surprise. How well R.F.Delderfield conveys the atmosphere of Penmadoc, a small seaside resort in North Wales in the late 1920s/early 1930s period. Charlie, a bank clerk lodging in the bank manager's house, is mesmerised by Delphine, an exotic Italian beauty who runs a cafe with her brother, and Charlie spends many long hours at the cafe (next to the bank) gazing at this beauty. An incident where he defends her against some rowdy customers breaks the ice. Suddenly they become "friends". Gradually she brings him round to the idea, with gentle persuasion, to mount a raid on the bank's vaults. In fact, after weeks of rendezvous with Delphine he eventually discovers, by late-night snooping, the shocking truth that her relationship with her "brother" appears to be illegally intimate. It's too late for Charlie to pull out, but things are even worse than he imagines. The climax is shocking, but stunning. Unputdownable.