And there are some intermediate categories, too.'
'I don't know what kind he had.'
'It couldn't have been term,' I said, 'because you can't borrow against term insurance. That's how his coverage stayed in force when he stopped paying premiums.'
'There were loans against the cash value, yes.'
'So you said. Of course the cash value's reduced by any outstanding loans against the policy.'
'He would have paid those back, though. Wouldn't he?'
'Not necessarily. The interest rates are very low, since what you're essentially doing is borrowing your own money. Say you've borrowed a couple of thousand dollars that way. Why pay it back out of your own pocket? What's the incentive? If you just put it off they'll deduct whatever's outstanding from the death benefit when you die. Your beneficiary'll get less than he would otherwise, but you Won't be around to hear him whine about it.'
'Well, I don't know how much Byron's loans amounted to,' she said, 'or if he paid it back. I don't really know very much about life insurance.'
'Neither do I.'
'He probably had some other investments that he sold. Or I may have got the numbers wrong. I have a terrible memory for that sort of thing. Oh, and that reminds me. Did you say you were actually inside his apartment? You didn't happen to see a little brass elephant, did you?'
She'd given it to him back when they were both getting sober. His memory had been unreliable then, as is not infrequently the case in early sobriety. He could never remember phone numbers, or where he put his keys. This is the elephant that never forgets, she'd told him, and it had become a running gag between them.
'I'd like to have it,' she said. 'It's not worth anything, and it wouldn't mean a thing to anybody but me.'
'It must have meant something to him,' I said. 'He didn't have a lot in the way of knickknacks, and he gave it a place of honor on top of the TV. I'm sure that's why I happened to notice it. The super told me to put it in my pocket.'
'And did you?'
'No, dammit, I put it back where I found it. It's funny, too, because I had the impulse to take it. I'll go back and get it.'
'I hate to ask you to make a special trip.'
'I'm two blocks from his building,' I said. 'It's no trouble at all.'
* * *
The hard part was finding the super. He was fixing a leaky faucet on the seventh floor, and it took the doorman awhile to track him down.
This time I didn't linger long in Byron's apartment. It seemed to me that the scent of AIDS was more palpable on my second visit. There is a particular musky odor that seems to be associated with the disease.
Earlier I'd noticed it when I'd looked in his closet—clothing holds the smell—but this time the entire apartment was full of it. I took the little elephant and left.
6
Forty-eight hours later I'd made two more visits to the Horatio Street apartment building. I'd knocked on a lot of doors and talked to a great assortment of people. The police had already spoken to most if not all of them, but that didn't make them unwilling to talk to me, even if they didn't have much to tell me.
Byron was a good neighbor, he mostly kept to himself, and as far as they knew he didn't have an enemy in the world. I heard a host of different theories about the killing, most of which had already occurred to me.
Wednesday afternoon I met TJ and compared notes, and was not too surprised to learn that he wasn't doing any better than I was. 'Elaine wants me to work tomorrow,' he said, 'but I told her I got to check with you first.'
'Go ahead and mind the shop for her.'
'What I thought. We gettin' noplace on the street.'
I rode the Eighth Avenue bus uptown and got off when it got mired in traffic around Fortieth Street. I walked the rest of the way home, and I was across the street in my office when Ray Gruliow called.
'Why, you son of a gun,' he said. 'I understand the self-styled Will of the People knows he's licked now that you're on the case.'
Ages ago, when I turned in my gold shield and moved out on my wife and sons, I took a room at the Hotel Northwestern on West Fifty-seventh Street just east of Ninth Avenue. I've come a long ways since then in certain respects, but geography is not one of them. The Pare Vendome, where Elaine and I have our apartment, is on the downtown side of Fifty-seventh, directly across from the hotel. I kept my room when we moved in together, telling myself I'd use it as an office. I can't say it gets much use. It's no place to meet clients, and the records I keep there would fit easily in a closet or cupboard across the street.
'Adrian Whitfield,' Ray Gruliow said. 'I ran into him downtown earlier today. As a matter of fact I found myself at loose ends, so I sat down and watched him at work. He's trying a case, as I'm sure you know.'
'I haven't spoken to him in a couple of days,' I said. 'How's he holding up?'
'He doesn't look so hot,' he said, 'but it could be that he's just plain exhausted. I can't turn on my television set without seeing him. If they're not sticking a mike in front of his face outside of the Criminal Courts Building, they've got him in a TV studio somewhere. He was on Larry King last night, doing a remote from their New York studio.'
'What did he talk about?'
