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“Ned was into all kinds of rackets,” Rich said, breathing out in disgust. “But this was years ago, fifteen years ago. I understand, I did some checking up on him, too. He’s in business with Richard Stenz now — Richard’s some sort of higher-up in the Republican Party, very straight. Before I made any loans, I talked to Richard and he told me that Ned was completely reformed. Now, I agree with him, but I also understand your concerns. It wasn’t Ned, though, it was Lee who came in here and sold me those twenty-five thousand dollars of bad mortgages.”

“Where is Ackerman now?”

“Lee? It’s a tragedy — the company’s in bankruptcy, he’s in personal bankruptcy. His house is on the market. The last I saw him, he wouldn’t sit down, he was so anxious. Lee was never anxious.”

Ed nodded slowly, his eyes moving away from Rich to the pictures on his wall. “Warren’s books look fine,” he said. “The last audit was Arthur Andersen. They’re not exactly in the business of lying for people, not for people like Warren anyway.”

“I told Ned you were my accountant,” said Rich, clasping his hands on his desk and leaning forward. “I recommended you, and I wouldn’t have done that if I thought Ned was a crook. He’s made a pile of money in the last few years — Prescott Valley, this Queen Creek venture with Stenz. It’s in his own interest to keep on the straight and narrow, don’t you think?”

They’re not exactly in the business of lying for people, not for people like Warren anyway.

It was a stupid thing to say, Ed thought in the car later that afternoon. The question it raised, of course, was why was Warren looking for a new accountant in the first place? Was it because Arthur Andersen had been too “conservative”?

He was on Camelback Road, driving to Warren’s house in Paradise Valley. He had spoken to Warren that afternoon on the phone and told him yes, they had a deal, he would bring over some initial paperwork they could go over together. He had done this without thinking it through all the way, or rather he had wanted to do it and had allowed himself to make the call before working through all of his misgivings. It was a big account. If they took it on, it would be one of Gallant, Farrow’s biggest accounts. Sam Gallant himself had encouraged Ed to give it his consideration.

When he’d hung up the phone, Ed had realized that he was curious about Warren in a way he would not have expected. He’d realized that he was looking forward to seeing Warren at his house instead of at his office.

He found the street he was looking for, North Dromedary Road, but then strayed off it, not in any hurry, wanting to just drive for a while, to look at the surroundings, the city’s wealthiest neighborhood. The desert was still a vivid presence there, pink sand between the spacious two- or three-acre lots — vivid, but tamed. There were palm trees, paloverde trees, brilliant red bougainvillea draped over walls the color of mud. It was quiet, no other cars out. Trails led up to the boulder formations at the foot of Camelback Mountain, but no one was out walking on them. He finally got back on North Dromedary Road and began following its switchbacks up the mountainside, the road steeper and steeper, until he was almost unable to move any farther. Piles of crushed rock blocked the way in places, and slopes of crushed rock spilled off the edge, over the sheer, hundred-yard drop down the mountainside. He saw a gated driveway and wondered if that was the turnoff he was looking for, East Grandview Lane, Warren’s street. He put the parking brake on and got out of the car and took a closer look but could see nothing except extended driveway through the bronze grillwork.

He sat in the car for a moment, frustrated. If he went farther up, there was no guarantee he would be able to turn back around — his car was a large Pontiac sedan — and eventually he decided he might have missed the turn, and so he began the difficult task of backing his way down, using the side mirror to keep the edge of the road in sight. It turned out that he had passed East Grandview Lane on his way up the mountainside. East Grandview Lane was smoothly paved. He could see what he guessed was Warren’s house beyond a curve in the road lined with perfectly spaced date palms. 4958 East Grandview Lane. He parked the car and took his briefcase and walked around the bougainvillea-covered wall to the low pale green rotunda where the front door was. Thin white columns held up the roof, whose greenness turned out to be the verdigris of weathered copper. He did not use words like verdigris. He did not look at the house, with its graceful, botany-inspired details, and think of Frank Lloyd Wright. It struck him as an unusually pleasant, understated house, a kind of ideal house he had never seen or thought of or imagined before.

“You must be Ed Lazar,” a woman said, answering the doorbell. She was attractive, tanned, thin, her blond hair held loosely in a clip. Behind her, two black Dobermans were barking and pawing the carpeted floor. “Boys, stop it,” she said, twisting toward them, a cigarette cocked at a perfect right angle to her hip. “Down.” She looked at him again with a flat grin, a thin bar of flawless white teeth. “I’m Barbara Warren.”

Inside, the front room was like an observation deck, its curved walls and floor-to-ceiling windows offering a protected sense of distance from the view outside, all of Phoenix stretched out beyond the palm-lined mountainside. There was the secretive hush of wealth — artwork, Navajo rugs, dark wooden furniture — everything kept clean and ordered by someone else, there for your enjoyment, there for you to use or just to look at. She showed him back into a den with a wall made of bare slate-colored rock — the actual side of Camelback Mountain — and then into a sunroom with opened windows, their iron frames painted brown. There were terra-cotta pots filled with geraniums, gardenias, jasmine. At the back of the room was a white bar shaped like a teardrop, where Barbara Warren poured him a Scotch, took his briefcase and jacket, and then showed him outside.

Warren was sitting at a glass table by the pool beneath an umbrella, reading a paperback novel and fingering a tall blue glass beaded with condensation. The table was covered with newspapers — the Arizona Republic and the Phoenix Gazette, the Wall Street Journal and the New York Times—an ashtray, cigarettes, a yellow pad and pen. He wore a clean white robe and espadrilles. His damp hair was slicked back after a swim in the pool. With his deep tan, the robe hanging open as he backed up his chair and stood to say hello, the impression he gave was of a man who had been everywhere and had laid out every aspect of his current life with a deliberate sense of what the options were.

“I heard you saw Dave Rich today,” he said.

“I met with Dave this morning.”

“He has a good accent. Everyone loves him for that accent.”

“He was telling me about Lee Ackerman. Your old friend, or your old nemesis. I still don’t understand the story.”

Warren put his hand on Ed’s shoulder and led him to the glass table. “Let’s talk,” he said. “I want to talk to you about this because I think you’ll understand it from a business angle. You know the language — I don’t think most people understand the language very well. Very few do anyway. It’s boring, it doesn’t make sense to them.”