“A problem? What sort of problem?”

The woman hesitated, as if reluctant to say, then continued, “The Visa card number you gave me, uh, it came back canceled. Are you certain you gave me the proper number sequence?”

Ricky blushed, alone in the room. “Canceled? That’s impossible,” he said indignantly.

“Well, maybe I got the number wrong…”

He reached for his wallet and pulled out the card, reading off the sequence of numbers again, but slowly.

The woman paused. “No, that’s the number I submitted for approval. It came back that the card had been recently canceled.”

“I don’t understand,” Ricky said with mounting frustration. “I didn’t cancel anything. And I pay off the entire balance every month…”

“The card companies make more mistakes than you’d think,” the woman said, apologetically. “Have you got another card? Or maybe you’d just prefer me to send you a bill and you can pay by check?”

Ricky started to remove another card from his wallet, then abruptly stopped. He swallowed hard. “I’m sorry for the inconvenience,” he said slowly, suddenly working hard to keep himself under control. “I will have to contact the credit card company. In the meantime, please just send me the bill as you suggest.”

The woman mumbled an agreement, double-checking his address, then adding, “It happens all the time. Did you lose your wallet? Sometimes thieves get numbers from old statements that are tossed away. Or you buy something and the clerk sells the number to a crook. There are zillions of ways cards get screwed up, doctor. But you better call the issuing company and get it straightened out. You don’t want to end up fighting over charges you don’t make. Anyway, they’ll probably just overnight you a new card.”

“I’m sure,” Ricky said. He hung up the phone.

Slowly he extracted each of the credit cards from his wallet. They’re all useless, he told himself. They have all been canceled. He didn’t know how, but he knew by whom.

Still, he started the tedious process of calling to discover what he already knew to be true. The telephone customer service clerks at each credit card company were friendly but not very helpful. When he tried to explain that he hadn’t actually canceled his cards, he was informed that he indeed had. That’s what their computers showed, and whatever the computer showed, had to be right. He asked each company exactly how the card had been canceled, and each time he was told that the request had been made electronically, through the bank’s Web sites. Simple transactions of that sort, the clerks dutifully pointed out, could be accomplished with a few simple swipes at a keyboard. This was, they said, a service that the bank offered, to make financial life easier for their clients, although Ricky, in his current state, might have debated that. All offered to open new accounts for him.

He told each company he would get back to them. Then he took some scissors he kept in his top drawer and cut each of the useless pieces of plastic in half. It was not lost on Ricky that this act was precisely what some patients had been forced to do, when they allowed themselves to get overextended with their credit and into debt.

Ricky did not know how far into his finances Rumplestiltskin had managed to penetrate. Nor did he know how. Debt is a concept close to the game the man had created, Ricky thought. He believes I owe him a payment, and not one that can be paid by check or credit card.

A visit in the morning to the local branch of his bank was in order, Ricky thought. He also placed a telephone call to the man who handled his modest investment portfolio, leaving a message with a secretary, asking that the broker call him back promptly. Then he sat back for a moment, trying to imagine how Rumplestiltskin had entered this part of his life.

Ricky was a computer idiot. His knowledge of the Internet and AOL, Yahoo, and eBay, Web sites, chat rooms, and cyberspace was limited to a vague familiarity with the words, but not the reality. His patients often spoke of life connected to the keyboard, and in that way he’d gained some appreciation of what a computer could do, but more of what a computer did to them. He had never seen any need to learn any of this himself. His own writing was scrawled in pen in notebooks. If he had to compose a letter, he used an antique electric typewriter that was more than twenty years old and kept in a closet. He owned a computer, in a way. His wife had purchased one in the first year of her disease, then upgraded it a year before her death. He had been aware that she had used the machine to electronically visit cancer support groups and to speak with other cancer victims in that curiously detached world of the Internet. He had not joined her in these sorties, thinking that he was respecting her privacy by not intruding, when another might have suggested that he was simply not showing enough interest. Shortly after she’d died, he’d taken the machine from the desk in the corner of their bedroom that she’d occupied when she was able to gather the energy to get out of bed, and packed it away in a box and stuck it in the basement storage rooms of his building. He had meant to throw it out or give it to some school or library, and had just never gotten around to it. It occurred to him that he might need it, now.

Because, he suspected, Rumplestiltskin knew how to use one.

Ricky rose from his seat, deciding in that instant to recover his dead wife’s computer from the basement. In the top right-hand desk drawer, he kept a key to a padlock, which he grabbed.

He made certain to lock his front door behind him, then took the elevator down to the basement. It had been months since he’d been in the building’s storage area and he wrinkled his nose at the musty, stale-smelling air in the space. It had a fetid, sickly quality to it, aged and filthy, charred by the daily cycle of heat. Just stepping out of the elevator gave him the asthmatic’s sensation of tightening in his chest. He wondered why building management never cleaned the area. There was a light switch on the wall, which he flicked, throwing a little brightness into the basement from a single uncovered overhead hundred-watt bulb. Whenever he moved, he carried shadows with him, streaking grotesquely through the dark and damp. Each of the building’s six apartments had a storage area, delineated by chicken wire nailed to cheap balsa wood frames, with the apartment number stenciled on the outside. It was a place of broken chairs and boxes of old papers, unused and rusty bicycles, skis and steamer trunks, and unneeded suitcases. Dust and cobwebs covered most everything, and most everything was in the category of something slightly too valuable to throw out, but not important enough to keep around every day. Things collected from time to time that just slipped into the category of better keep this because someday we might need it, but just barely.

Ricky hunched over slightly, although there was plenty of headroom. It was more the closed atmosphere that made him bend. He approached his own cubicle with the padlock key in hand.

But the lock was already open. It hung from the handle of the door like a forgotten Christmas tree ornament.

He looked closer and saw that it had been sliced open with bolt cutters.

Ricky stepped back a single stride, shocked, as if a rat had suddenly run in front of him.

His first instinct was to turn and run, his second to move forward. This is what he did, walking slowly to the chicken wire door and pulling it open. What he saw immediately was that exactly what he came down to the basement searching for, the box containing his wife’s computer, was missing. He moved deeper inside the storage area. The overhead light was partially blocked by his own body, so that only swordlike streaks of illumination carved through the area. He glanced about and saw that another box was absent. This was a large plastic file container that kept copies of his completed tax returns.

The rest of his near-trash seemed to be intact, for what it was worth.

Almost staggered by an overwhelming sense of defeat, Ricky turned and headed back to the elevator. It was not until he rose out of the basement, back into the midday light, clearer air, and away from the grime and dust of memories stored below that he allowed himself to think about the impact that the missing computer and tax returns might have.

What was stolen? he asked himself.

He shuddered suddenly. He answered his own question: Perhaps everything.

The missing tax returns made his stomach churn with an evil, acid sensation. No wonder the attorney Merlin knew so much about his assets. He probably knew everything about Ricky’s modest

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