Morgan had been doing his research, somebody at Hoffen-Bayne had learned about it. She decided not to bring anybody else into this mess.

At four o'clock Jane drove back along the Golden State Freeway to Del Mar and stopped at the little store where her post office box was. She saw through the little window that Marcy Hungerford had lots of mail. She sorted through the letters and bills and catalogs until she found the packet from Hoffen-Bayne, then drove to the post office and filled out another change-of-address form so that Marcy Hungerford's mail would start being delivered to her house again.

She considered scrawling 'misdelivered' on today's mail and slipping it into the nearest mailbox, but she decided that the safest way was to ensure that there was no interruption in service. She waited until eight p.m. when it was dark along the beach, walked past Marcy Hunger-ford's house, left the mail in her box, returned to her car, and drove on.

At the hotel Jane opened the packet from Hoffen-Bayne and began to study it. She could see immediately that Mr. Hanlon had not missed any of her hints and that he had been convinced that her account was worth having. There was a printed brochure that included little descriptions of the various arms of the company and a cover with a touched-up photograph of their building on Wilshire Boulevard. Inside were graphs and tables purporting to be proof of high returns for their clients, mixed with a text that promised personal service. Mr. Hanlon had also dictated a cover letter to Mrs. Hunger-ford, and stapled to it was a little stack of computer-printed resumes.

The next morning Jane checked out of the hotel and drove up the freeway toward Los Angeles. The coast of California had always made her uneasy. The air was lukewarm, calm and quiet, as though it were not outdoors. On the left side of the road the blue-gray ocean rose and fell in long, lazy swells, looking almost gelatinous where the beds of brown kelp spread like a net on the surface. The low, dry, gentle yellow hills to the east always made her sleepy because they were difficult for the eye to define, not clear enough to tell whether they were small and near or large and far. Behind them she could see the abrupt rising of the dark, jagged mountains like a painted wall.

The land along this road always looked deserted. She had to remind herself that it had been the most densely populated part of the continent when the Spanish missionaries and their soldiers arrived. The Indians here had not been at war for centuries the way the Iroquois had, so they weren't fighters. The first Europeans they saw herded them into concentration camps where they forced them to build stone missions and work the fields, and then locked them up at night in barracks, the men in one and the women in another. They were chained, whipped, starved, tortured, and executed for infractions against the priests' authority, and they died from diseases that flourished in their cramped quarters until they were virtually exterminated.

California was a sad place, a piece of property that had begun as a slaughterhouse and could never be made completely clean. It was perpetually being remodeled by new tenants who could not explain why they were doing it. They bulldozed the gentle hills into flat tables where they built hideous, crowded developments that encrusted the high places like beehives. They gouged and scraped away at the surface and covered it with cement so that every town looked like every other town, and the rebuilding was so constant that every block of buildings in the state seemed to be between ten and twenty years old and just beginning to show signs that it needed to be bulldozed and rebuilt again.

Jane drove along the Golden State Freeway for three hours until she came to the Hollywood Freeway, took the exit at Vermont, then swung south again for the few blocks to Wilshire Boulevard, where the tall buildings that sheltered corporations instead of people rose abruptly out of the pavement.

The things that had been happening had a very impersonal quality to them: a respected corporation had managed an account, and it had decided it was time to file a petition to declare a client deceased. But somewhere behind the opaque and anonymous veneer there was a person. Money was stolen by human beings. Sometimes thieves worked together and sometimes separately, but most successful embezzlers worked alone. It was time to find the man.

12

In the late afternoon, Jane began to watch the Hoffen-Bayne building from the window of a restaurant across Wilshire Boulevard. It was small for this part of Los Angeles, only five floors. The bottom floor was rented out to a travel agency and a coffee shop, and the second floor was a reception area for Hoffen-Bayne. After an hour she moved to the upper tier of the parking ramp for the tall insurance building beside Hoffen-Bayne and studied the upper windows to determine which ones were small, functional offices for accountants, brokers, and consultants, and which ones were big pools for bookkeepers and secretaries. She paid special attention to the desirable corner offices.

At six p.m. when she saw people inside taking purses out of desk drawers and turning off computers for the day, she strolled along the quiet side street near the driveway and studied the men and women who came out and got into cars in the reserved-for-employees spaces in the parking lot. She wrote down the license numbers and makes and models, and matched the cars to the people she had seen in the windows.

Tall-Thin-and-Bald wanted to be noticed. He drove a gray Mercedes 320 two-door convertible that retailed for about eighty-five thousand and was too sporty for him. Woman-with-Eye-Trouble, who had the habit of putting on her sunglasses while she was still inside the office, drove a racing-green Jaguar XJ6, which was only about fifty thousand, but she was still a possibility, as was Old Weight-Lifter, who drove a Lexus LS 400, which sold for even less. Eye-Trouble might have chosen her car because it was pretty, and Weight-Lifter might be the sort of person who bought whatever the car magazines told him to.

Jane made four grids on a sheet of paper to represent the windows of the upper floors, labeled them 'N,'

'S,'

'E,' and 'W,' and made notes on each window about who had appeared in it and what went on when he did. A supervisor might pop in on a subordinate, might even deliver sheets of paper to the subordinate's desk, but when several people met in an office, it was usually the office of the ranking person.

An hour later, after the upper windows were dim but there were still people in the coffee shop and travel agency, she went into the lobby, took the elevator to the second floor, and stood outside the locked glass doors to the Hoffen-Bayne reception area. She was looking for a directory of offices posted on the wall, but there was none. The reception area was all smooth veneer and expensive furniture that made it look like a doctor's waiting room. There was no easy way into the complex, and there was a small sticker on the glass door that said 'Protected By Intercontinental Security,' and under that, 'Armed Response.' She didn't particularly want to bet that she could fool the sort of security system a company that handled money for a lot of rich people might consider a good investment, so she turned and went back to the elevator and took it to the basement of the building, on the level with the parking lot, and found a door with a no admittance sign. The door had a knob with a keyhole to lock it and it wasn't wired, so she had little trouble slipping her William Dunlavey MasterCard between the knob and the jamb and pushing the catch in. Inside the room were circuit breaker boxes and a telephone junction box. She opened it and studied the chart pasted inside the door. It gave the extensions of the various offices in the building, so she copied them and returned to her car.

She checked into a hotel two miles down Wilshire Boulevard and compared her office chart with the telephone extensions. Some of the offices must be the big ones she had seen through the third-floor windows, where people sat at computers and worked telephones in a pool. Nobody important had a single number with fifteen extensions. The offices she wanted were on the fourth and fifth floors, so she concentrated on them. She dialed each number and listened to a computerized voice-mail system telling her what part of the company it belonged to - investment, property management, billing, accounting - but not the name of the person. She used the information to eliminate more of the offices. The person who had been robbing the trust fund would have to be in a position to exert power over where the money was placed and how the company kept track of it. He didn't share an office, or send out bills for services, or manage real estate, or answer other people's phones. She consulted the resumes that Mr. Hanlon had sent her, and filled out more of the chart before she went to sleep.

The next morning Jane went to the Hollywood lot of the car-rental agency, told them Mr. Dunlavey didn't like the car he had rented in San Diego and that he had instructed her to exchange it for a different model. She drove out with a white Toyota Camry and sat on the side street watching the west side of the building while the Hoffen- Bayne executives arrived for work.

She watched and worked on her chart of the company for three more days. Each morning she turned in the car she had rented the day before and went to a different agency to rent a new one under a new name. Each evening she would choose one of the likely executives and follow him home when he left the office. Each night she

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