She made regular visits to Bay Meadows, where she’d pore over the Racing Form and bet heavily on every race there as well as races at Hollywood Park and other tracks-all made easy by electronic touch screens, banks of TV screens in the trackside bar, and ATMs to supply her with more cash since she wasn’t much good at picking winners or playing odds. But it didn’t matter to her how often or how much she lost; the action was everything.

But Internet gambling was what really hooked her. Stud poker, Texas Hold ’Em, you name it, and all done quickly and quietly from the privacy of her own home. Instant gratification. And a pervasive trap of steady losses and increasing outlay to try to recoup. It didn’t take long for the trap to close tight around her; inside of a year she dropped nearly fifty thousand dollars. That was when her husband noticed and confronted her.

She didn’t try to hide it. Apologized and made the usual empty promises about quitting, seeing a therapist that specialized in neurobiologic addictions, joining Gamblers Anonymous. Instead she kept on betting larger and larger sums-and kept right on losing.

For a time she grew more clever about covering up the drain on their finances, but Krochek found out anyway and there was a big blowup. That was the first time she walked out on him. When she came back, he cut off her access to their various accounts. All that did was make her more devious. She began to pawn or sell jewelry and other possessions, to steal money out of his wallet. The cashing-in of one of their insurance policies led to another blowup, another walkout. More apologies, more empty promises. Forged checks this time, the probable secret borrowing from a loan shark, the phone call that Krochek swore was threatening. The final blowup, the final walkout. To finance this one, she’d sold her Lexus at a price well below Blue Book and everything in their house that was small enough and valuable enough to turn into quick cash.

Her total losses over four years, as near as Krochek was able to estimate: more than $200,000.

But for all of that, he claimed still to love her and to want to give her another chance. His prerogative, his money; we don’t have to agree with a client’s motives to take on a job. He knew going in that it was likely to be futile. Just find her, make sure she was all right, talk to her.

I felt sorry for him. Sorry for her, too; she was sick and sick people deserve pity, not censure. And sorry for myself because now I had to go tell him that there was no more hope for their marriage and not much hope for her.

Tamara had it right: people and their screwed-up lives.

M itchell Krochek’s company, Five States Engineering, had its offices on Jack London Square in Oakland. I put in a call to him as soon as Tamara and I got back to the agency offices. He was in, but about to go into a meeting and not inclined to discuss his wife’s situation over the phone. Could we get together sometime after five o’clock? I said we could, and given the circumstances of what I had to tell him, I offered to drive over there rather than have him come to the city. We settled on 5:30 at the bar of a restaurant called the Ladderback.

While I was talking to him, Tamara ran a check on the license plate number Jake Runyon had given her. Technically, private investigative agencies are no longer permitted access to Department of Motor Vehicles records; a high-profile Hollywood murder case several years ago had led to a new law that kept them sealed to all but city, state, and federal law enforcement agencies. But there are ways around any law, and if you use them sparingly and judiciously, we had no qualms about it. Ethical compromise. You do what you have to in order to work a case, but you don’t abuse your position of trust to clients or the public at large. The agency had a strict rule that all information gleaned through quasi-legal corner-cutting methods was kept confidential.

Tamara had established a DMV pipeline; she already had the information by the time I finished talking to Krochek. The plate number and the new Cadillac belonged to Carl M. Lassiter, with a San Francisco addresss- Russian Hill, no less. Tamara ran a cursory check on Lassiter without turning up anything. No personal history, no employment record. She asked another contact, a friend of hers, Felicia, who worked in SFPD’s computer department, for a quick file search on Lassiter’s name. No criminal record, no outstanding warrants of any kind. Mystery man.

That was as far as she took it. We could probably find out who Lassiter was with a deep background check, or through other sources if he was a bookie or loan shark or worked for one or the other, but there was no need unless the client specifically requested the information. We’d found Janice Krochek, we’d talked to her, and she didn’t want to go home again-the job we’d been hired to do was finished. It was her business how badly she was jammed up with loan sharks or gambling interests. If Mitchell Krochek felt otherwise and wanted to try to contact Lassiter or Lassiter’s employer, even without her consent, that was up to him. But if he asked me, I’d try to discourage him. In the long run it was a dead end proposition. Just like his marriage. Just like his wife’s fever.

K rochek was already waiting in the crowded Ladderback bar when I walked in. I’d left the city early, because of the heavy eastbound commute traffic on the Bay Bridge, but it hadn’t been too bad tonight; it was only 5:15 when I got to Jack London Square, fifteen minutes ahead of meeting time. He’d been there for a while, too, judging from the fact that he’d gotten a table and from the array of glassware in front of him-two bottles of Beck’s and two shot glasses, one empty, one half-full.

His greeting was solemn; so was his handshake. Handsome guy, Krochek-blond, tanned, the tennis-and- handball type, but he didn’t look so fit tonight. His lean, ascetic face was sorrowful, shadowed under the eyes, etched with stress lines. Working too hard, worrying too much.

He said, “So you found her. And the news isn’t good,” repeating what I’d told him on the phone. “She doesn’t want me to know where she’s living.”

“No, she doesn’t.”

“Refuses to see me, try to work things out.”

“No reconciliation, she said.”

“Adamant about that, I suppose.”

“I’m afraid so.”

“She use the D word?”

“Divorce? Yes. Seems to be what she wants.”

“Has she seen a lawyer?”

“Apparently not yet.”

“But she’s going to.”

“Yes. Soon, she said.”

“Throwing all her money down the gambling rathole, that’s why she hasn’t found herself some sleazebag already,” Krochek said. “She’s already blown what she got from selling her car by now, sure as hell.”

“She didn’t say anything about that.”

“What’s she doing for cash until she can squeeze more out of me? Or can’t you tell me that, either?”

“Unverified, so I’d rather not say.”

A waitress stopped by the table. I ordered a bottle of Sierra Nevada. Krochek said, “Another Beck’s, skip the whiskey this time.” That was good; at least he wasn’t going to sit here and get maudlin drunk and make things even more difficult for both of us.

When the waitress went away I said, “You haven’t asked how your wife is.”

“All right, how is she?”

“Healthy enough. Holding herself together.”

“Tense, angry, fidgety?”

“Pretty much.”

“Drinking?”

“Not in front of us.”

“Sure she is. Means she’s betting and losing heavily. Janice doesn’t touch a drop until she starts losing.”

“I think she may be in debt to a loan shark.”

“Wouldn’t surprise me.” He frowned. “You mean she’s being threatened again?”

“She says no, but there’s a good chance of it.”

“Christ, she’s stupid! You have any idea who he is?”

“Not exactly. The name Carl Lassiter mean anything to you?”

“Lassiter, Lassiter… no. Who’s he?”

“We’re not sure. Could be a shark or an enforcer for one.”

“Terrific. Enforcer. A legbreaker, you mean.”

“Not necessarily. Collection by coercion works just as well.”

“Can you find out who he works for?”

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