The bank statements might have sung like a sonnet to another computer, but to me they wouldn't mean a thing until I knew exactly what I was looking for. So I started on the tax returns. He'd given the Kingscutt address, allowances claim for wife, one Lois Linda Fenwick… children, David James born such-and-such. I opened the form and got down to the meat.
It was thin on the bone. After a quarter, of an hour I had a simple picture of Fenwick's financial life and times over the past three years. He'd had a basic salary of £4,500 plus a little less than £500 in unearned income, which, at a guess, meant he'd got about ten or twelve thousand in shares. His wife had started off with about the same amount of share capital in her own name, but had sold maybe two or three thousand about a year ago.
Each year also had the note: 'Underwriting profits – to be agreed.' Well, I knew that Lloyd's doesn't let you take a profit until three years late: they keep it in the kitty in case of late claims. But I also knew that, for the years involved, he was as likely to have taken a loss as a profit. Lloyd's came a crunch with Hurricane Betsy in 1965 and stayed crunched for three years.
No mention of mortgage payments, but out of his total income of £5,000-odd, he was stumping up nearly a thousand a year in life insurance. I suppose that if you're in insurance you must believe in it, but this was ridiculous. His death would have cost the companies over thirty thousand quid – well over.
Maybe it had been Mrs Lois Linda Fenwick behind that pillar with a nine-millimetre.
That reminded me, and I rang Oscar. Yes, he'd just got back but he's very busy, no, even if it is about the trip, oh, it's you, is it? Well, I suppose, all tight.
He came on. 'You again? There isn't much I can tell you.'
'You saw the cops over there? '
'Yes. Just between us, I don't think they're getting anywhere. They've asked Scotland Yard for help.'
'I heard about that. What about me?'
'Well, theinspecteurdoesn't like you very much – he got his arse roasted for letting you run away – but they've come round to thinking you weren't very important. Just a small-time bodyguard who beat it at the first shot.' He enjoyed saying that.
Then he added, 'They'd still like to know what was in the parcel, mind.'
'I'll tell them someday. Did you ask about the gun?'
'Yes. A Browning pistol, I gather.'
'Which model?'
'Damn it all, I couldn't ask too many questions – they'd've hadme in the small back room.'
'Sure. Thanks.' At least it hadn't been Mockby's Walther.
'In case you'd like to know, the body's being shipped back tomorrow. Funeral probably on Saturday. I wouldn't send any flowers, if I was you.'
'Bit quick, isn't it?'
He made a verbal shrugging noise. 'Why not? There's no question about identification, no problem about cause of death, there'll be no argument about the medical evidence – if they ever come to trial.'
'I suppose so. Well, at least he's left the missus pretty well fixed.'
His voice got suspicious. 'What d'you mean?'
'Just that. Nice dollop of insurance, hardly any death duties to pay, and nothing owing on the house.'
'Have you been playing nasty little private-detective tricks?'
'Not really. I may not even have been illegal. Well? '
'Well what?'
'Was he shovelling the profits from the good years across to her, putting it in her name? And into the house? '
He sighed. 'You really don't know anything about Lloyd's, do you?'
'My word is my bond and my bonds are in my wife's name, you mean?'
'That's the Stock Exchange. Now stop being cynical and start using your brains, unless you stuffed them down a drain in Arras. D'you know what Lloyd's is? The biggest betting shop in the world. And people like Martin Fenwick are just high-class bookmakers. D'you know how to make money as a bookie?'
'Set the right odds, I'd guess.'
'That's half of it, and it's what Fenwick did: insured only the right ships at the right premiums. But the other half is simply having as much money as possible so you can take as big bets as possible and make as much profit as possible. Lloyd's formalises these things. The more capital you can showin your own name the more bets you can accept. I mean insurance you can write,' he added sourly.
'So you'd be a bloody fool to put it in your wife's name? It would just be cutting your own profit-making potential? '
'I'll say one thing for you, Jim: as long as it's written in letters of fire ten feet high you do get the message sooner or later.'
'All right, all right. So where did she get her money, then? And why did he buy that house outright?'
'Who says he owned it? Or that she did? No-' he repented hastily. 'Just forget that. And I told younot to go poking into these things.'
'Sorry, Oscar.'
'Now, I'm busy.' And he slapped the phone down.
I suppose I might have asked him about Fenwick hiring a private detective – he wouldn't have picked one from the yellow pages, he'd've asked his solicitor, same as he did about a bodyguard. But Oscar would never tell me, so why tell him I knew it had happened?
Slowly, reluctantly – and rather dazedly – I picked up the bank statements and started analysing them, as far as I could.
The standing orders were easy enough: they'd be payments to the life insurance companies and probably the rent on that flat. Then he seemed to take a regular £20 a week, various odd amounts that were probably clothes or garage bills – and three times in the last year he'd drawn cheques for £259 a time. Why? Why so precise a repetition of such an amount, and why three?
School fees, of course. Harrow would cost around £750 a year in these hard times.
But the real message was that the income and expenditure matched like a foot in a footprint. Yet it was only a one-legged trail I was following: half of Fenwick's life just wasn't there. No cheque that could have covered a new Rover 2000 in the last year; nothing for running expenses on a house big enough to call itself a 'manor' – and nothing for running expenses on a wife for that house, either.
Working just from those figures, it was as if Kingscutt didn't exist – neither did Mrs Fenwick. Except for paying a thousand pounds a year, more than a quarter of his net income, in life insurance for her.
Assuming it was for her, of course. I rang Hawthorn at Harrow.
We said a few polite things; then he asked, 'I suppose you, ummm, want to speak to David?'
'If he's available.'
Til have him shouted for. I rather get the impression that you're, ummm, working for him now?"
His intelligence system was good – but that would be part of his job, too. 'You may be right.'
'I rather feel I stand – and particularly with this boy, now -in loco parentis. I can understand him wanting to know why his father got, ummm, killed, but I'm still a little apprehensive about the effect of him finding out anything detrimental to his father's image.'
'Yes. But I told you: the police in two countries are working on this, too. I can't stop them."
'Quite so. It's, ummm, difficult.'
'They aren't interested in protecting anybody's good name. I just might be.'
'Yes. I'm sure you know your own business… Here's David now.'
He came on the line. 'Mr Card? Have you found out anything?'
'Nothing much. It takes time. But I wanted to ask you something…'
'Yes, sir?'
'Have you heard from any insurance companies just now?'
'Well – yes, sir. There've been three of them.'
'Can you tell me what they said? I mean roughly?'
'Well, just that my father had taken out life insurance in my name. They said it's quite a lot.'