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It was just an insurance job, I told myself, the kind I would take any time. An ordinary, five-hundred-dollar paper trace. This one just had an extra twenty-five hundred tacked on for keeping my mouth shut.

“You ought to go to the police,” I said again.

But I was reaching for the check.

Two

His name was Anton Chernek, but people like my ex-wife knew him as the Bohemian. Not like from the western part of what used to be Czechoslovakia-that was too broad an origin, home to too many peasants-but from the Bohemia before that, the old Hapsburg kingdom. Mention the Bohemian to people around Chicago with a net worth north of fifty million, chances were certain they’d heard of him. If they were lucky, they had him on retainer.

He was an attorney, a C.P.A., and a certified financial manager, but the degrees were wall shingling. He was really an overseer, not just of financial portfolios, but of whole lives. Big money can have special problems, and for many of the wealthiest families in Chicago, he was their arranger, their go-to guy, their fixer of problems too thorny or too embarrassing to entrust to ordinary retainers.

I’d met him once, the previous October, in a mahogany conference room at the top of the fourth tallest building in Chicago. He was my height, six-four, but twenty years older, around sixty, and built solid, like a bronze horse. He had a country club tan, wore his silver hair combed straight back, his beard closely trimmed, andhad teeth whiter than the perfectly starched collar of his two-hundred-dollar Turnbull and Asser shirt. He’d come to sit in with the three lawyers representing Amanda, her father, and her various trusts during the dissolution of our marital assets.

My lawyer couldn’t attend. He’d had a zoning hearing for another client who wanted to put up a miniature golf course behind a gas station. I’d told my lawyer no problem; I didn’t want anything of Amanda’s. Besides, I’d sold just about everything I’d owned and had nothing left except five hundred dollars in passbook savings, the three cut-glass jelly jars I’d gotten for opening the account, and a rusting red Jeep that had been my second car. Since I’d already eaten the jelly, and the Jeep was the small model, with stick shift, no air, and a hundred thousand on its odometer, I didn’t anticipate the meeting would last long.

It didn’t. I was out of there before they could get embarrassed about not offering me coffee. In return for signing a document promising I would make no claim against Amanda’s assets, I got to keep the savings account and the Jeep. Custody of the jelly jars never came up.

During the meeting, the Bohemian sat alert but silent at the polished table, his fat black fountain pen lying capped next to his closed leather folio, never once checking a note. That’s what large money buys: preparation. If my lawyer had been there, he would have spent the first few minutes fanning the reused, dog-eared folders jammed in his briefcase for one with my name on it, struggling to remember why he was there.

The meeting lasted twenty-one minutes. I wasn’t sure of much those days, but if I’d thought about it as I left that room full of good-smelling lawyers, I would have been positive I’d never see the Bohemian again.

The telephone receptionist at Chernek and Associates sounded delighted to hear my voice, but she had the kind of trained, unhurrieddiction that would have come across pleased if I’d announced I was calling with great deals on burial insurance. My name must have been on the put-through list, because she rang me right in.

“Vlodek Elstrom.” The Bohemian rolled each syllable slowly and distinctly, with just a trace of Eastern Europe softening the vowels. “Vlodek, such a good Bohemian name. What is the Elstrom-Swedish?”

“Norwegian.”

“Of course,” he said.

I skipped the smooth and tossed him the same question Stanley Novak hadn’t answered: “Why me and not the police?”

“Discretion, Vlodek. Plus, you know the community.”

I knew Gateville about the way the whitewash guy knows the White House, but I let it pass. “Stanley Novak said you think the letter either is from a crank or was a ruse to disguise that this was a hit on the Farradays and not aimed at all of Crystal Waters.”

“Those are the likeliest scenarios. The Board gets threats occasionally-feeble, harmless attempts at shakedowns. It might have been coincidence that this letter was received two weeks before the explosion.”

“And the Farradays?”

“There has been speculation that some of Mr. Farraday’s brokerage clients suffered unusually heavy losses in one of the recent stock market downturns. Perhaps one of them became unhinged.”

“Blow up your stockbroker’s family because he gave you bad advice?”

“Never underestimate the rage of people who lose significant sums of money, Vlodek. Murders are usually about money.”

“All the more reason to go to the police.”

“I showed Mr. Farraday the letter and offered to forward it to the police. He seemed quite sure he was not the target. He’s content to leave the matter alone.”

“Given that you probably paid him a substantial premium forhis property, contingent upon him keeping quiet, he must have been very content.”

“Vlodek-”

“What about the third scenario, the one you’re avoiding?”

“That it’s a real extortion letter?”

“That’s the one.”

“The bomb already went off, Vlodek. What kind of extortionist threatens to do something unless he’s paid, then carries it out without first trying to collect?”

“Let the police figure it.”

“It’s best to keep the matter quiet.”

“Because of the potential loss in property values.”

“Without breaking any confidences, I can tell you that some of the Members are quite leveraged-”

I cut him off in mid-drone. “Your Members borrowed to buy stock, then pledged those shares as collateral to buy even more stock. Such greedy little piggies they were. Still, it was an OK strategy so long as stock prices went up, but your piggies guessed wrong; the stocks tanked. The value of the shares slid below what they owed for them, forcing them to pledge their houses against the loans, to cover the loss in stock value and keep their snouts above the manure. Now, incredibly, a bomber has shown up. If word of that gets out, those homes they pledged to cover the loans will become worthless-you can’t sell mansions in a minefield-and the brokerages will demand more collateral, which your people don’t have because they’re all tapped out. Your Members will disappear into their own manure.”

“Inelegantly put, perhaps, but that’s it exactly.” His voice softened. “Vlodek, we’re not being irresponsible. The police are already involved. They’re telling us the D.X.12 was most likely left behind by a landscaper, blasting tree stumps long ago, and that somehow it got triggered.”

“Knowing you received that letter just before the house blew up might change their minds.”

“Yes, though incorrectly, and at great expense to the Members, as you’ve pointed out. All I’m asking you to do is check for fingerprints, find out about the printing and the typing, perhaps learn where the paper and the envelope might have been purchased, and from where it was mailed.”

“You’re using me to cover yourselves with your insurers.”

“Of course, but where’s the harm? If we think it’s a real threat, we’ll bring the matter to the police, after we’ve conducted our own investigation, discreetly.”

“You know I’ll have to hire a document examiner. You could do that yourself, skip the middleman.”

“We trust you, Vlodek.”

He meant he could control me. He knew I’d keep a lid on it because Amanda owned one of the houses in Gateville.