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"Sorry about today," she said. "Merry Christmas!" She waved and then moved back to the party. The door was now propped open, cigarette smoke and noise spilling out in equal parts. Ava Daugherty was watching us, her gaze fixed with curiosity" on the envelope Heather'd given me, which I was just tucking into my handbag. I returned to my car and drove back into town.

When I stopped by the office, I passed the darkened glass doors of California Fidelity. Like many other busi-nesses, CF had shut down early for Christmas Eve. I un-locked my door, tossed the file on my desk, and checked for messages. I put a call through to the fire chief for a quick verification of the information I had, but he, too, was gone. I left my number and was told he probably wouldn't return the call until Monday.

By 4:00, I was back in my apartment with the draw-bridge pulled up. And that's where I stayed for the entire weekend.

Christmas Day I spent alone, but not unhappily.

The day after that was Sunday. I tidied my apartment, shopped for groceries, made pots of hot tea, and read.

Monday, December 27, I was back in harness again, sitting at my desk in a poinky mood, trying to wrestle the fire-scene inspection into a coherent narrative.

The phone rang. I was hoping it was Mrs. Brunswick at the bank, calling back to tell me the five-thousand-dollar snafu had been cleared up. "Millhone Investigations," I said.

"Oh hi, Kinsey. This is Darcy, next door. I just won-dered when I could pop over and pick up that file."

"Darcy, it's only ten-fifteen! I'm working on it, okay?" Please note: I did not use the "F" word, as I know she takes offense.

"Well, you don't have to take that tone," she said. "I told Mac the report wouldn't be ready yet, but he says he wants to review the file first anyway."

"Review the file before what?"

"I don't know, Kinsey. How am I supposed to know? I called because there's a note in the action file on my desk."

"Oh, your 'action' file. You should have said so before. Come pick the damn thing up."

Ill temper and intuition are not a good mix. Whatever inconsistency was nagging at me, I could hardly get a fix on it with Darcy breathing down my neck. My first act that morning had been to fill out a form for the Insurance Crime Prevention Unit, asking for a computer check on Lance Wood. Maybe at some point in the past I'd come across a previous fire claim and that's what was bugging me. The computer check wouldn't come back for ten days, but at least I'd have covered my bases. I adjusted the tabs on my machine, typed in the name of the insured, the location, date, and time of loss.

When Darcy arrived to pick up the file, I spoke with-out looking up. "I dropped the film off at Speedee-Foto on my way in. They'll have prints for me by noon. I haven't had a chance to talk to Lance Wood or the fire chief yet."

"I'll tell Mac," she said, her tone cool.

Oh well, I thought. She's never been a pal of mine anyway.

As there was no slot or box where unspecified hunches could be typed in, I kept my report completely neutral. When I finished, I rolled it out of the machine, signed it, dated it, and set it aside. I had an hour before I could pick up the photographs, so I cleaned up the sketch of the warehouse layout and attached that to the report with a paper clip.

The phone rang. This time it was Andy. "Could you step into Mac's office for a few minutes?"

I quelled my irritation, thinking it best not to sass the CF claims manager. "Sure, but I won't have the pictures for another hour yet."

"We understand that. Just bring what you've got."

I hung up, gathered up the report and the sketch, locked the office behind me, and went next door. What's this "we" shit? I thought.





The minute I stepped into Mac's office, I knew some-thing was wrong. I've know Maclin Voorhies since I started working for California Fidelity nearly ten years ago. He's in his sixties now, with a lean, dour face. He has sparse gray hair that stands out around his head like dandelion fuzz, big ears with drooping lobes, a bulbous nose, and small black eyes under unruly white brows. His body seems mis-shapen: long legs, short waist, narrow shoulders, arms too long for the average sleeve length. He's smart, capable, stingy with praise, humorless, and devoutly Catholic, which translates out to a thirty-five-year marriage and eight kids, all grown. I've never seen him smoke a cigar, but he's usually chewing on a stub, the resultant tobacco stains tarnishing his teeth to the color of old toilet bowls.

I took my cue not so much from his expression, which was no darker than usual, but from Andy 's, standing just to his left. Andy and I don't get along that well under the best of circumstances. At forty-two, he's an ass-kisser, always trying to maneuver situations so that he can look good. He has a moon-shaped face and his collar looks too tight and everything else about him a

Mac was leafing through the file. He glanced over at Andy with impatience. "Don't you have some work to do?"

"What? Oh sure. I thought you wanted me in this meeting."

"I'll take care of it. I'm sure you're overloaded as it is."

Andy murmured something that made it sound like leaving was his big idea. Mac shook his head and sighed slightly as the door closed. I watched him roll the cigar stub from one corner of his mouth to the other. He looked up with surprise, as if he'd just realized I was standing there. "You want to fill me in on this?"

I told him what had transpired to date, sidestepping the fact that the file had sat on Darcy's desk for three days before it came to me. I wasn't necessarily protecting her. In business, it's smarter not to bad-mouth the help. I told him I had two rolls of film coming in, that there weren't any estimates yet, but the claim looked routine as far as I could see. I debated mention of my uneasiness, but dis-carded the idea even as I was speaking. I hadn't identified what was bothering me and I felt it was wiser to stick to the facts.

The frown on Mac's face formed about thirty seconds into my recital, but what alarmed me was the silence that fell when I was done. Mac is a man who fires questions. Mac gives pop quizzes. He seldom sits and stares as he was doing in this case.

"You want to tell me what this is about?" I asked.

"Did you see the note attached to the front of this file?"

"What note? There wasn't any note," I said.

He held out a California Fidelity memo form, maybe three inches by five, covered with Jewel's curlicue script. "Kinsey… this one looks like a stinker. Sorry I don't have time to fill you in, but the fire chief's report spells it out. He said to call if he can give you any help. J."

"This wasn't attached to the file when it came to me."

"What about the fire department report? Wasn't that in there?"

"Of course it was. That's the first thing I read."

Mac's expression was aggrieved. He handed me the file, open to the fire-department report. I looked down at the familiar STFD form. The incidental information was just as I remembered. The narrative account I'd never seen before. The fire chief, John Dudley, had summed up his investigation with a no-nonsense statement of sus-pected arson. The newspaper clipping now attached to the file ended with a line to the same effect.

I could feel my face heat, the icy itch of fear begi

"I got a phone call this morning," he said. "Somebody says you're on the take."

I stared. "What?"

"You got anything to say?"

"That's absurd. Who called?"