‘What did you do that for?’ Des yelled, when Stewart Pringle complained.

‘If you’re so okay with it, you stand there and let him rest his hand on your arse,’ she said, and went back to cleaning the glasses.

‘She has a point,’ Des said.

She vacuumed the entire house before Tanzie came home. She was so tired that she should have been comatose, but in fact she was so angry it was possible she did it all at double speed. She couldn’t stop herself. She cleaned and folded and sorted because if she didn’t she would take Marty’s old sledgehammer down from the two hooks in the musty garage, walk round to the Fishers’ house and do something that would finish them all off completely. She cleaned because if she didn’t she would stand in her overgrown little back garden, lift her face to the sky and scream and scream and scream and she wasn’t sure she’d be able to stop.

By the time she heard the footsteps on the path, the house floated in a toxic fug of furniture polish and kitchen cleaner. She took two deep breaths, coughed a bit, then made herself take one more before she opened the door, a reassuring smile already plastered on her face. Nathalie stood on the path, her hands on Tanzie’s shoulders. Tanzie walked up to her, put her arms around her waist and held her tightly, her eyes shut.

‘He’s okay, sweetheart,’ Jess told her, stroking her hair. ‘It’s all right. It’s just a silly boys’ fight.’

Nathalie touched Jess’s arm, gave a tiny shake of her head, and left. ‘You take care,’ she said.

Jess made Tanzie a sandwich and watched her wander away into the shady part of the little garden with the dog to do algorithms and told herself she would tell her about St Anne’s tomorrow. She would definitely tell her tomorrow.

And then she disappeared into the bathroom and unrolled the money she had found in Mr Nicholls’s taxi. Four hundred and eighty pounds. She laid it out in neat piles on the floor with the door locked.

Jess knew what she should do. Of course she did. It wasn’t her money. It was a lesson she drummed into the kids every day: You don’t steal. You don’t take what is not yours. Do the right thing, and you will be rewarded for it in the end.

Do the right thing.

So why didn’t she take it back?

A new, darker voice had begun a low internal hum in her ear. Why should you give it back? He won’t miss it. He was passed out in the car park, in the taxi, in his house. It could have fallen out anywhere. It was only luck that you found it, after all. And what if someone else from round here had picked it up? You think they would have handed it back to him? Really?

His security card said the name of his company was Mayfly. His first name was Ed.

She would take the money back to Mr Nicholls. Her brain whirred round and round in time with the clothes-airer.

And still she didn’t do it.

Jess never used to think about money. Marty handled the finances, and they generally had enough for him to go down the pub a couple of nights a week, and for her to have the odd night out with Nathalie. They took the occasional holiday. Some years they did better than others, but they got by.

And then Marty got fed up with making do. There was a camping holiday in Wales where it rained for eight days solid and Marty became more and more dissatisfied, as if the weather was something to be taken personally. ‘Why can’t we go to Spain, or somewhere hot?’ he’d mutter, staring out through the flaps of the sodden tent. ‘This is crap. This isn’t a bloody holiday.’ He got fed up with driving; he found more and more to complain about. The other drivers were against him. The controller was cheating him. The passengers were tight. And then he started with the schemes. The pyramid scheme they joined two weeks too late. The knock-off T-shirts for a band that fell out of the charts as quickly as it had arrived. Import-export was the thing, he told Jess confidently, arriving home from the pub one night. He had met a bloke who could get cheap electrical goods from India, and they could sell them on to someone he knew.

And then – surprise, surprise – the someone who was going to sell them on turned out not to be the sure thing Marty had been promised. And that year’s summer turned into the wettest on record. And the few people who did buy them complained that they blew their electricity supply, and the rest of them rusted, even in the garage, so their meagre savings turned into a pile of useless white goods that had to be loaded, fourteen a week, into Marty’s car and taken to the dump. She still had the plugs under the stairs.

And then came the Rolls-Royce. Jess could at least see the sense in that one: Marty would spray it metallic grey, then rent himself out as a chauffeur for weddings and funerals. He’d bought it off eBay from a man in the Midlands, and made it halfway down the M6 before it conked out. Something to do with the starter motor, they said, peering under the bonnet. But the more they looked at it, the more seemed wrong with it. The first winter it spent on the drive, mice got into the upholstery so they needed money to replace the back seats before he could rent it out – because who wanted to sit on seats held together with duct tape on their wedding day? And then it turned out that replacement upholstered Rolls-Royce seats were about the only thing you couldn’t get on eBay. So it sat there in the garage, a daily reminder of how they never quite managed to get ahead, and the reason why her freezer had to live in the downstairs hall.

She’d taken over the money when Marty had got ill and started to spend most of each day in bed. Depression was an illness, everyone said so. Although, from what his mates said, he didn’t seem to suffer it on the two evenings he still managed to drag himself to the pub. She had peeled all the bank statements from their envelopes, and retrieved the savings book from its place in the hall desk and had finally seen for herself the trouble they were in. She’d tried to talk to him a couple of times, but he’d just pulled the duvet over his head and said he couldn’t cope. It was around then that he’d suggested he might go home to his mum’s for a bit. If she was honest, Jess was relieved to see him go. It was hard enough coping with Nicky, who was still a silent, skinny wraith, Tanzie and two jobs.