Cayce's dislike of Bigend is indeed personal, albeit secondhand, a friend having been involved with the man in New York, back in, as the kids had recently quit saying, the day. Margot, the friend, from Melbourne, had always referred to him as "a Lombard," which Cayce had at first thought might be a reference somehow to his Belgian-ness, until learning, upon finally asking, that it was Margot's acronym for "Loads of money but a real dickhead." As things had progressed between them, mere Lombardhood had scarcely covered it.