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Bertram Myers, Desert Life's CFO, was at his door panting heavily and sweating like a racehorse. He was twenty years younger than his boss, his hair wiry and black, but he was a lesser athlete.

"Good run?" Elder asked.

"Excellent, thanks," Myers answered. "Had yours yet?"

"You bet."

"How come you're in so early?"

"F.B. fucking I. Remember?"

"Jesus, I forgot. I'm going to hop in the shower. Want me to sit in?"

"No, I'll handle it," Elder said.

"You worried? You look worried."

"I'm not worried. I think it is what it is."

Myers agreed. "Exactly, it is what it is."

Will had a short cab ride to the Desert Life headquarters in Henderson, a bedroom town south of Vegas near Lake Mead. To him, Elder looked like something out of central casting, a prototypical silver-fox CEO, easy with his wealth and station. The executive leaned back in his chair and attempted to lower Will's expectations. "As I said on the phone, Special Agent Piper, I'm not sure if I can help you. This may be a long trip for a short meeting."

"Don't worry about that, sir," Will replied. "I had to come out here anyway."

"I saw in the news that you'd made an arrest in New York."

"I'm not at liberty to comment about an ongoing investigation," Will said, "but I think you can assume if I thought the case was wrapped up, I probably wouldn't have come out here. I wonder if you could tell me about your relationship with David Swisher?"

According to Elder, there wasn't all that much to tell. They had met six years earlier during one of Elder's frequent visits to New York to meet with investors. At the time, HSBC was one of multiple banks courting Desert Life as a client, and Swisher, a senior managing director at the bank, was a rainmaker. Elder had gone to HSBC's headquarters, where Swisher led a pitch team.

Swisher followed-up aggressively by telephone and e-mail over the next year and his perseverance paid off. When Desert Life decided to place a bond offering in 2003 to fund an acquisition, Elder chose HSBC to lead the underwriting syndicate.

Will asked if Swisher had personally traveled to Las Vegas as part of that process.

Elder was certain he had not. He had a firm recollection that the company visits were handled by more junior bankers. Apart from the closing dinner in New York, the two men didn't see each other again.

Had they communicated over the years?

Elder recalled an occasional phone call here and there.

And when was the last?

A good year ago. Nothing recent. They were on each other's corporate holiday card lists but this was hardly an active relationship. When he read about Swisher's murder, Elder said, he had of course been shocked.

Will's line of questioning was interrupted by his Beethoven ring tone. He apologized and switched off the phone, but not before recognizing the caller ID number.

Why the hell was Laura calling?

He picked up his train of thought and fired off a list of follow-up questions. Had Swisher ever talked about a Las Vegas connection? Friends? Business contacts? Had he ever mentioned gambling or personal debts? Had he ever shared any aspect of his personal life? Did Elder know if he had any enemies?

The answer to all these was no. Elder wanted Will to understand that his relationship with Swisher was superficial, transient and transactional. He wished he could be more helpful but plainly he could not.

Will felt his disappointment rise like bile. The interview was going nowhere, another Doomsday dead end. Yet there was something niggling about Elder's demeanor, a small discordant something. Was there a note of tension in his throat, a touch of glibness? Will didn't know where his next question came from-maybe it sprung from a well of intuition. "Tell me, Mr. Elder, how's your business doing?"

Elder hesitated for more than an imperceptible moment, a long enough pause for Will to conclude that he'd struck a nerve. "Well, business is very good. Why do you ask?"

"No reason, just curious. Let me ask you: most insurance companies are in places like Hartford, New York, major cities. Why Las Vegas, why Henderson?"

"Our roots are here," Elder replied. "I built this company brick by brick. Right out of college, I started as an agent in a little brokerage in Henderson, about a mile from this office. We had six employees. I bought the place from the owner when he retired and renamed it Desert Life. We now have over eight thousand employees, coast-to-coast."

"That's very impressive. You must be very proud."

"Thank you, I am."

"And the insurance business, you say, is good."

That tiny hesitation again. "Well, everybody needs insurance. There's a lot of competition out there and the regulatory environment can be a challenge sometimes, but we've got a strong business."

As he listened, Will noticed a leather pen holder on the desk, chock-full of black and red Pentel pens.

He couldn't help himself. "Could I borrow one of your pens?" he asked, pointing. "A black one."

"Sure," Elder replied, puzzled.

It was an ultrafine point. Well, well.

He reached into his briefcase and pulled out a sheet of paper in a clear plastic cover, a Xerox copy of the front and back of Swisher's postcard. "Could you take a look at this?"

Elder took the sheet and retrieved his reading glasses. "Chilling," he said.

"See the postmark?"

"May eighteenth."

"Were you in Las Vegas on the eighteenth?"

Elder was palpably irritated by the question. "I have no idea, but I'd be happy to have my assistant check for you."

"Great. How many times have you been to New York in the past six weeks?"

Elder frowned and replied testily, "Zero."

"I see," Will said. He pointed to the photocopy. "Could I get that back, please?"

Elder returned the sheet, and Will thought, Hey, buddy, for what it's worth, I've got your fingerprints.

After Will departed, Bertram Myers wandered in and sat down in the still warm chair. "How'd it go?" he asked his boss.

"As advertised. He was focused on David Swisher's murder. He wanted to know where I was the day his postcard was mailed from Las Vegas."

"You're joking!"

"No I am not."

"I had no idea you were a serial killer, Nelson."

Elder loosened his tightly knotted Hermes tie. He was starting to relax. "Watch out, Bert, you may be next."

"So that was it? He didn't ask a single troubling question?"

"Not one. I don't know why I was worried."

"You said you weren't."

"I lied."

Will left Henderson to spend the rest of the day working out of the FBI field office in North Las Vegas before his scheduled return to New York on the red-eye. Local agents had been working up unidentified fingerprints on Doomsday postcards. By cross-tabbing with prints taken from postal workers at the Las Vegas Main Office they managed to ID a few latents. He had them throw Elder's prints into the mix then settled into the conference room to read the newspaper and wait for the analysis. When his stomach started rumbling he took a walk down Lake Mead Boulevard to look for a sandwich shop.

The heat was blistering. Doffing his jacket and rolling up his shirtsleeves didn't help much so he ducked into the first place he found, a quiet, pleasantly air-conditioned Quiznos manned by a crew of desultory workers. While he waited at a table for his sub to toast he called his voice mail and cycled through the messages.

The final one set him off. He cursed out loud, drawing a dirty look from the manager. A snot-nosed voice informed him his cable was about to be cut off. He was three months overdue and unless he paid today he'd be coming home to a test pattern.