“I guess,” Reacher said again.
“Things have moved on since Fisnik’s day. We’re in an era of innovation now. We operate what they call dynamic pricing. We pitch the rate up or down, depending on supply and demand and things like that, but also on what we think of the borrower. Will he be reliable? Can we trust him? Questions of that nature.”
“So what am I?” Reacher asked. “Up or down?”
“I’m going to start you off way up there at the very top. Where the worst risks are. Truth is, I don’t like you very much, Aaron Shevick. I’m not getting a good feeling. You take twenty tonight, you bring me twenty-five, a week from today. After that, interest continues at twenty-five percent a week or part of a week, plus a late fee of a thousand dollars a day, or part of a day. After the first deadline, all sums become payable in full immediately on demand. Refusal or inability to pay on demand may expose you to unpleasant things of various different types. You have to understand that ahead of time. I need to hear you say so, in your own words. It’s not the kind of thing that can be written down and signed. I have photographs for you to look at.”
“Terrific,” Reacher said.
The guy dabbed at his phone, menus, albums, slideshows, and he handed it over sideways, like a landscape, not a portrait, which was appropriate, because all the subjects of all the pictures were lying down. Mostly they were duct-taped to an iron bedstead, in a room with whitewashed walls gone gray with age and damp. Some had their eyeballs popped out with a spoon, and some had been grazed by an electric saw, deeper and deeper, and some had been burned with a smoothing iron, and some had been drilled with cordless power tools, which were left in the pictures as if in proof, yellow and black, top heavy and wobbling, their bits two-thirds buried in yielding flesh.
Pretty bad.
But not the worst things Reacher had ever seen.
Maybe the worst things all on one phone, though.
He handed it back. The guy dabbed through his menus again, until he got where he wanted to be. Serious business now.
He said, “Do you understand the terms of the contract?”
“Yes,” Reacher said.
“Do you agree to them?”
“Yes,” Reacher said.
“Bank account?”
Reacher gave him Shevick’s numbers. The guy typed them in, right there on his phone, and then he dabbed a big green rectangle at the bottom of the screen. The go button.
He said, “The money will be in your bank in twenty minutes.”
Then he dabbed through more menus, and suddenly raised the phone in camera mode, and snapped Reacher’s picture.
He said, “Thank you, Mr. Shevick. A pleasure doing business. I’ll see you again in one week exactly.”
Then he tapped his bristly head with his bone-white finger, the same gesture as before. Something about remembering. Some kind of a threatening implication.
Whatever, Reacher thought.
He got up and walked away, out the door, into the dark. There was a car at the curb. A black Lincoln, with an idling engine, and an idling driver behind the wheel, leaning back in his seat, head on the cushion, elbows wide, knees wide, like limo guys everywhere, taking a break.
There was a second guy, outside the car, leaning on the rear fender. He was dressed the same as the driver. And the guy inside the bar. Black suit, white shirt, black silk tie. Like a uniform. He had his ankles crossed, and his arms crossed. He was just waiting. He looked like the guy at the corner table would look, after about a month in the sun. White, not luminescent. He had pale hair buzzed close to his scalp, and a busted nose, and scar tissue on his eyebrows. Not much of a fighter, Reacher thought. Obviously he got hit a lot.
The guy said, “You Shevick?”
Reacher said, “Who’s asking?”
“The people you just borrowed money from.”
“Sounds like you already know who I am.”
“We’re going to drive you home.”
“Suppose I don’t want you to?” Reacher said.
“Part of the deal,” the guy said.
“What deal?”
“We need to know where you live.”
“Why?”
“Reassurance.”
“Look me up.”
“We did.”
“And?”
“You’re not in the book. You don’t own real estate.”
Reacher nodded. The Shevicks had given up their landline telephone. The title to their house had already passed to the bank.
The guy said, “So we need to pay a personal visit.”
Reacher said nothing.
The guy asked, “Is there a Mrs. Shevick?”
“Why?”
“Maybe we should visit a little with her too, while we’re looking at where you live. We like to keep our customers close. We like to make a family’s acquaintance. We find it helpful. Now get in the car.”
Reacher shook his head.
“You misunderstand,” the guy said. “This is not a choice. It’s part of the deal. You borrowed our money.”
“Your milky-white friend inside explained the contract. He went through all the terms, in considerable detail. The administration fee, the dynamic pricing, the penalties. At one point he even introduced visual aids. After which he asked if I accepted the terms of the contract, and I said yes I did, so at that point the deal was done. You can’t start adding extra stuff afterward, about a ride home and meeting the family. I would have to agree to that, ahead of time. A contract is a two-way street. Subject to negotiation and agreement. It can’t be done unilaterally. That’s a basic principle.”
“You got a smart mouth.”
“I can only hope,” Reacher said. “Sometimes I worry I’m just pedantic.”
“What?”
“You can offer me a ride, but you can’t insist that I take it.”
“What?”
“You heard.”
“OK, I’m offering you a ride. Last chance. Get in the car.”
“Say please.”
The guy paused a long, long moment.
He said, “Please get in the car.”
“OK,” Reacher said. “Since you asked so nicely.”
Chapter 8
About the safest way to transport an unwilling hostage in a passenger car was to make him drive with his seat belt off. The guys with the Lincoln didn’t do that. They opted for a conventional second best instead. They put Reacher in the back, behind the empty front passenger seat, with nothing dead ahead for him to attack. The guy who had done all the talking got in next to him, on the other side, behind the driver, and he sat half sideways, watchful.
He said, “Where to?”
“Turn around,” Reacher said.
The driver U-turned across the width of the street, bouncing his front right-side wheel up the far curb, and slapping it down again.
“Go straight for five blocks,” Reacher said.
The driver rolled on. He was a smaller version of the first guy. Not as pale. Caucasian for sure, but not blinding. He had the same buzzed hair, golden and glittery. He had a knife scar on the back of his left hand. Probably a defensive wound. He had a spidery and fading tattoo snaking out of his right cuff. He had big pink ears, sticking straight out from the sides of his head.
Their tires pattered over broken blacktop and patches of cobblestone. After the five straight blocks they came to the four-way light. Where Shevick had waited to cross. They rolled out of the old world and into the new. Flat and open terrain. Concrete and gravel. Wide sidewalks. It all looked different in the dark. The bus depot was up ahead.
“Straight on,” Reacher said.
The driver rolled through the green. They passed the depot. They tracked around, a polite distance behind the high-rent districts. Half a mile later they came to where the bus had turned off the main drag.
“Take the right,” Reacher said. “Out toward the highway.”