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I hummed "Grant Avenue" from Flower Drum Song as I walked diagonally left on Columbus, at Broadway, where, I had been told by my father, topless dancing was popularized at the Condor Club in the sixties by a woman named Carol Doda who danced on top of a piano. She had also reportedly had her breasts enlarged, which may have started another trend. The Condor Club was still there, but Carol Doda was long gone.

I was soon in a quieter part of town, with fewer people about, but I wasn't apprehensive. San Francisco has never struck me as being a dangerous place.

I had time so I walked up Lombard, including the section that has earned it the title of "the crookedest street in the world." A few cars were still wending their way slowly down the steep curves, as if they were on a slow-motion ride at a theme park. I was puffing hard by the time I got to the top. I didn't have far to go, however.

James Buchanan's home faced north and had a clear view of the lit-up Golden Gate Bridge. The room with the large picture window on the front of the house was also lit as I approached, but I couldn't see anybody inside.

Ned had told me not to attempt to enter the house until he arrived. My watch showed ten minutes of ten. The house was large by San Francisco standards and sat on a hillside lot, above the street level. A brick stairway led up to the front door. Several luxury cars and SUVs were parked in the sloping driveway.

I didn't want to be arrested for loitering so I walked slowly along the street, admiring the view of the bay and the bridge. After 15 minutes of this, no cars had stopped at the Buchanan house. Maybe Ned had been held up at his business meeting. I started to get restless, but I decided to give him ten more minutes.

By 10:20 I was really restless. I am not a good waiter. I didn't know where Ned's business meeting was. I could call his hotel to see if he was there, except that since I didn't have a cell phone I would have to walk down to the commercial area at the beach where there would be pay phones. If I did that and he arrived while I was gone I would miss him.

On impulse, I walked up the steps to the front door and rang the bell. After a few seconds a disembodied male voice said, "Yes?"

I located the intercom beside the door and said, "This is Ned Mackay."

There was a pause. A video camera probably monitored me; I would be found out. I waited to be rejected.

However, in less than a minute the voice said, "Here is the puzzle for today. A ship and its boiler have a combined age of 49 years. The ship is twice as old as the boiler was when the ship was as old as the boiler is now. What is the age of each? When you know the answer, buzz me."

What the hell was he talking about? He couldn't be serious. Was this just a subtle form of rejection? I stared at the intercom, thinking up a sharp retort. But I wasn't in any position to make sharp retorts. Besides, how hard could the puzzle be? I was good at puzzles.

I had a pen in my pocket and a small notebook for jotting down anything I learned. I pulled them out. Let X equal the age of the ship and Y equal the age of the boiler. The problem could be solved with simultaneous equations. One equation was easy; X + Y = 49. The other was a little more complicated and required untangling the terminology. Something about X = 2 times Y minus some quantity.

I struggled with it for a minute and then thought, there aren't that many possibilities. I can solve it by trial and error. I tried and erred several times, but in another minute I had the answer: The ship was 28 years old and the boiler was 21. I pressed the button again.

"Yes?"

I gave my answer. Something clicked. I tried the door and it swung open.

Chapter 5 THE CASINO

The inside had the appearance of a conventional house. The spacious living room was to the right of the entryway, where I stood. It was well furnished and the large picture window, visible from the outside, was on the front wall. A stairway to the second floor rose directly in front of me and a corridor led toward the back of the house, with several closed doors along it.

Nobody was in sight. However, I heard music coming from somewhere, and the gravelly voice of Louie Armstrong, singing, "Hello, Dolly." Was I expected to know where to go? Ned would know. I headed along the corridor, walking on the hardwood floor, toward the sound of the music.

I came to a stairway heading down, directly beneath the other one. The music wafted up from below. Just as I turned to go down these stairs a young man appeared at the bottom. He was in his twenties, clean-cut, short hair, wearing a suit, white shirt and tie. The kind of person my father would hire.

As I descended the stairs I looked over the polished wooden banister and a large room appeared before me, encompassing most of the dimensions of the house. Louie's voice became louder, singing some of the words and scatting the rest of the time.

In addition to the music, I heard the hum of the conversations of several dozen men and women, who were engaged in playing games. A craps table dominated the center of the room and a blackjack table and roulette wheel stood near it. At another table people played poker and others played chess and backgammon.

Two things distinguished this from the casinos I was familiar with: There were no slot machines and there was no cigarette smoke in the air. The customers were well dressed and an aura of affluence emanated from them. I felt underdressed for the second time that day without a tie, even though I was now wearing a sport coat.

I immediately experienced the familiar excitement of being in the presence of gambling. The urge to feel the cards or dice in my hands, the certainty that this was my lucky night-it all came back in a flash. I mentally reviewed the contents of my wallet-about 60 dollars-and wondered how one got started since Ned had said no money changed hands.

In the next instant I told myself harshly that I was here to do a job and nothing else would get in the way. Then I reached the bottom of the stairs.

"My name is Stan," the young man said, sticking out his hand.

I shook hands with him, wondering how many hands I had shaken since morning. I almost said my own name, remembered I wasn't myself, hesitated, and ended up mumbling, "Pleased to meet you."

"Mr. Buchanan would like to speak with you," Stan said, leading the way to a door underneath the stairs.

I had a moment of panic as I realized that Mr. Buchanan would know I wasn't Ned Mackay, but I should have thought of that before. Stan opened the door and motioned me in ahead of him.

The small room I entered had a sloping ceiling over part of it, caused by the stairway it was under. It was dimly lit and a number of television monitors were being watched by young men who were clones of Stan in dress and appearance. None of them appeared to be older than

30.

I glanced at several of the monitors and realized I had been correct in assuming that I was being watched. They were all connected to surveillance cameras, not only outside the house, but looking down on the tables in the casino room, also. The latter monitors were undoubtedly to catch cheaters.

Stan closed the door and walked past me to a man who sat on a high stool behind the men in front of the monitors. From his vantage point he could see all the monitors. He was older, with gray hair, but it was still cut short. He was the most casually dressed person in the room, wearing a loud sport shirt and a pair of pants that appeared in the dim light to be some shade of yellow.

"Here he is, Mr. Buchanan." Stan said to the man.

Mr. Buchanan rotated the seat of his stool toward me and looked me up and down as he transferred a glass from which he had been drinking through a straw from his right hand to his left. Then he stepped down off the stool and said, "Hi, I'm James Buchanan."