When he spotted me, he smiled, and by smiled, I mean he beamed like I was the only person in the world he wanted to see.

“Rosie!” he said.

We hugged and he kissed my cheek and it was like seeing a friend, even though I barely knew him. He called over Flora, whom he already knew by name, and said he would pay for a second chaise and Flora waved a hand and said, “Rosie don’t need to pay, she’s family.” Which was actually true; Flora and Vie were second cousins of my father, Levi Small, and for that reason, they didn’t speak to my mother, so I didn’t need to worry about news of me visiting a white gentleman out at Hansen Bay getting back to her.

I ordered a Coke because I had to work at five and Russ ordered another rum punch and then together we ordered garlic chicken with rice and beans and johnnycakes. We stuffed our faces and we talked. I told Russ the long story of my relationship with Oscar and then he told me that he was down in the Virgin Islands because he had been offered a job with a hedge fund that was owned and operated by Todd Croft, whom he had known during his college years.

“At Northwestern?” I said, proud of myself for remembering.

“Todd flunked out freshman year but he hung around Winnetka and we had some business dealings.”

I laughed. “Business dealings? At eighteen?”

Russ sighed. “I haven’t even told my wife this story…”

“What?”

“Todd had a contact who wanted to sell alcohol to underclassmen in the dorm. My sophomore year, I was an RA—resident adviser—and in exchange for me looking the other way, Todd gave me a cut of his profits.”

“Russ!” I said. “I wouldn’t have pegged you as a criminal.”

“We never got caught,” Russ said. “I have a trustworthy face, I guess.”

“So I take it Todd has moved on from the smuggling business?” I said.

“High finance,” Russ said. “And I mean high. Todd is an impressive guy, though. He got a job working in one of those boiler rooms, calling people cold and encouraging them to invest money…and now his hedge fund is worth nearly three billion dollars.”

“No wonder you’re going to work for him,” I said. “What an opportunity.”

“For the past seventeen years, I’ve worked for the Corn Refiners Association,” Russ said. “But the pay is peanuts and my wife, Irene, is unhappy. She keeps a stiff upper lip. She’s from some pretty hardy Scandinavian stock, but I can tell she thinks I’m a failure. And most days I’m pretty sure she thinks about leaving me.”

“Oh my God,” I said. “She would have to be crazy to think about leaving you.”

He stared at me a second with a look of utter amazement and something changed between us then. I felt equal parts terrible and triumphant about it, but terrible won out and I didn’t even stay for a swim. I plunked down ten bucks for the food, offered Russ my hand, and said, “I wish all visitors to our fair island were like you, Russ. Thank you for your help with Oscar. I will forever be grateful.”

Russ held my hand and said, “Stay a little longer, can you?”

“Sorry,” I said. “I have some things to take care of before work.” My words were rushed and I tripped over a tree root as I hurried off the beach but I had to get out of there before I crossed a line. Though I knew a line had already been crossed. I had sought him out, worn my sexiest outfit, and said the words that I knew he needed to hear. I would like to say this was unwitting, but working in the service industry has given me keen people skills. I could tell that Russell from Iowa City was a people-pleaser and that his wife, Irene, made him feel like a disappointment and that hearing me say he was the opposite would all but make him fall in love.

He was married. Irene was waiting for him back home in Iowa. There were women on St. John—Tessie among them—who thought nothing of sleeping with men who were here on vacation. Tessie routinely had one-night stands with gentlemen who were staying at Caneel by themselves; that was one of the reasons I disliked her.

I was not going to sleep with Russell from Iowa City.

And yet, when I got to work at five o’clock and noticed the yacht was gone, I felt something like sorrow. My hero had left, and I couldn’t remember his last name. I would never see him again.

So imagine my surprise when, at seven o’clock, as the hibiscus-pink ball of the sun was sinking into the water and Lucinda Caruso was shooting me a smug glance from the table where her Harvard-educated ass was sitting with her Big Deal parents—a look that I could only assume meant that she had slept with Oscar after all, poor girl—Russ walked across the beach and into the restaurant. I blinked, wondering if it was a trick of the blinding light of the sun just before it set, but then he waved at me and I hurried over. “I thought you left,” I said. “The yacht—”

“Todd and Stephen headed over to Virgin Gorda,” Russ said. “They have business. I told them I wanted to stay here and mull over their offer. They’re coming back Monday to pick me up.”

“Stay here on St. John?” I said. I was so happy that he wasn’t gone forever that I wasn’t quite following.

“At Caneel,” Russ said. He pulled a key out of his pocket. “Honeymoon 718.”

“How did you manage that?” I asked. “I thought we were full.”

“I put the general manager in a headlock,” he said.

We laughed. I said, “I’d put you in my section but you’ll probably be more comfortable at the bar.”

He said, “Bar is fine but I’ll miss you bringing me my conch fritters.”

I said, “If you think I’m going to let someone else bring you your conch fritters, you’re crazy.”

He gave me a look then that was so long and deep, my legs grew weak and my face grew hot and never in my life had I been more aware that I was a human being—powerful and fallible.

Part Two

Lawyers, Guns,

and Money

Irene

She drives Cash and Winnie to the airport in Cedar Rapids. From Cedar Rapids, they will fly to Chicago, and from Chicago to St. Thomas. Irene is tempted to tell Cash that she received her own job offer on St. John but he’s so excited about getting back down there that Irene decides not to steal his thunder or distract from his anticipation.

Besides, she isn’t at all sure Huck was serious.

Still, it was nice to hear his voice.

Cash’s departure turns out to be the impetus Irene needs to get things done. On the way home from Cedar Rapids, she calls Ed Sorley.

“Oh, Irene,” he says. “You must have read my mind. I just dug up a photocopy of the check that Russ gave me when we closed on the Church Street house. Turns out, it was a cashier’s check drawn on a bank called SGMT in the Cayman Islands.”

“The Cayman Islands?” Irene says. “Not the Virgin Islands?”

“The Cayman Islands,” Ed says. “I double-checked that myself.”

“But it cleared, right?” Irene says. “We did actually pay for the house?”

“Yes, yes,” Ed says. “I’ll try to see if maybe this SGMT has a phone number or a website, but even if it does, it might be difficult to track down. It’s a cashier’s check, which is almost like Russ showed up at the bank with six hundred grand in cash…but that’s obviously impossible.”