"Uh, listen. Just a word to the wise," she said uncomfortably. "All hell's broken loose over that Leonard Grice business."

I blinked at her. "Like what?"

"Pam Sharkey must have called him after you talked to her. I don't know what she said to him, but he's all up in arms. He'd hired an attorney who fired off a letter to CFI threatening to sue us within an inch of our lives. We're talking millions."

"For what?"

"They're claiming slander, defamation of character, breach of contract, harassment. Andy's livid. He says he had no idea you were involved. He says you weren't authorized by California Fidelity or anybody else to go out there and ask questions… blah, blah, blah. You know how Andy gets when he's on his high horse. He wants to see you the minute you come in."

"What is this? Leonard Grice hasn't even filed a claim!"

"Guess again. He submitted forms first thing Monday morning and he wants his money right now. The lawsuit was filed on top of that. Andy's over there processing papers as fast as he can and he's pissed. He's told Mac he thinks we should terminate the whole arrangement with you after the jeopardy you put us in. The rest of us think he's being a complete horse's ass, but I thought you should know what's going on."

"What's the total on the claim itself?"

"Twenty-five grand for the fire damage. That's the face value on the homeowner's policy and he has his losses itemized down to the penny. The life insurance isn't at issue. I think he's already collected some dinky little policy on her life-twenty-five hundred-and our records show he was paid that months ago. Kinsey, he's out for bear and you're it. Andy's looking for someone to point a finger at so Mac doesn't point a finger at him."

"Shit," I said. I couldn't think of anything else to say. The last thing in the world I needed right now was a dressing down by Andy Montycka, the CFI claims manager. Andy's in his forties, conservative and insecure, a man whose prime obsessions are biting his fingernails and not making waves.

"You want me to tell him you haven't come in?" she asked.

"Yeah, do that for me, if you would. Just let me check my phone messages and I'll disappear," I said. I unlocked the file and took out the folder on Elaine Boldt, looking back at Vera. "I'll tell you something, Vera. This is hot. Leonard Grice has had six months to file a claim, but he hasn't lifted a finger. Now, all of the sudden, he's putting pressure on the insurance company to pay off. I'd like to know what prompted him."

"Hey, I gotta scoot before they come looking for me," Vera said. "Just don't cross Andy's path today or you'll pay for it."

I thanked her for the warning and told her I'd be in touch. She eased out into the hallway again, closing the door behind her. Belatedly, I felt my cheeks flush and my heart begin to thump. I got sent down to the principal's office once in first grade for passing notes in class and I've never recovered from the horror of it. I was guilty as charged, but I'd never been in trouble in my life. There I was, a timid little child with skinny legs, so stricken with fear that I left the school and went home in tears. My aunt marched me right back and read everybody out while I sat on a little wooden chair in the hall and prayed for death. It's hard to keep passing myself off as a grown-up when a piece of me is still six years old and utterly at the mercy of authority.

A glance at my answering machine showed no messages. I locked up again and went down the front way so that I could avoid passing the glass double doors of California Fidelity. I got back in my car and drove over to Elaine's old condominium. I wanted to have a brief talk with Tillie and let her know what was happening. I was turning right on Via Madrina when I glanced in the rearview mirror and realized there was some guy on a motorcycle roaring right up my tailpipe. I eased over slightly to let him pass and glanced back again. He was beeping away at me frantically. What had I done, run over his dog? I pulled over to the curb and he pulled up behind me, turning his bike off and booting his kickstand into place. He was wearing a shiny black jumpsuit, black gloves and boots, and a black helmet with a smoky face guard. I got out of my car and walked back toward him, watching him peel his helmet off as he approached. Oh hell, it was Mike. I should have guessed. The pink of his Mohawk seemed to be fading and I wondered whether he did his touch-ups with Rit dye, food coloring, or cooked beets. He was irked.

"God, I been honking at you for blocks! How come you never called me back? I left a message on your machine on Monday," he said.