When Parmani lent her the car, Sarah drove straight down the hill north on Divisadero. She turned left on Marina Boulevard, and drove into the Presidio past Crissy Field. She had tried to call Maggie on her cell phone, but it was turned off. She didn't even know if Maggie was still at the field hospital there, but she needed to talk to someone, and couldn't think of who else. There was no way she could tell her parents about the disaster Seth had caused. Her mother would have been hysterical, her father furious at Seth. And if things got as bad as they feared they would, her parents would read about it soon enough. She knew she'd have to tell them before it made the news, but not yet. Right now she just needed a sane, sensible person to talk to, to pour out her heart and share her woes. She knew instinctively that Sister Maggie was the right one.

Sarah got out of the small battered Honda outside the field hospital, and walked inside. She was about to ask if Sister Mary Magdalen was still working there, when she saw her hurrying toward the back of the room, carrying a stack of surgical linens and towels that was almost taller than she was. Sarah walked back toward her, and as soon as she saw her, Maggie looked up in surprise.

“How nice to see you, Sarah. What brings you here? Are you sick?” Emergency rooms in all of the city's hospitals were fully operative again, although the field hospital in the Presidio was still in use. But it wasn't quite as busy as it had been even a few days before.

“No … I'm okay …I… I'm sorry … do you have time to talk?” Maggie saw the look in her eyes and immediately set the clean linens down on an empty bed.

“Let's go. Why don't we go sit on the beach for a few minutes? It'll do us both good. I've been here since six o'clock this morning.”

“Thank you,” Sarah said quietly, and followed her outside. They walked down the road to the path to the beach, making casual conversation. Maggie asked her how Ollie's ears were, and Sarah told her they were fine. And then finally, they reached the beach, and both sat down on the sand. They were both wearing jeans, and the bay looked shimmering and flat. It was another lovely day. It was the prettiest May Sarah could remember, although to her right now, the world seemed very dark. Particularly hers and Seth's.

“What's happening?” Maggie asked gently, watching the younger woman's face. She looked deeply troubled, and there was bottomless agony in her eyes. Maggie suspected a problem in her marriage. Sarah had hinted at something before when she brought the baby in with his earache. But whatever it was, Maggie could see it had gotten considerably worse. She looked distraught.

“I don't even know where to start.” Maggie waited, while Sarah found the words. Before she did, tears filled her eyes and started running down her cheeks. She made no move to brush them away, as the gentle nun sat beside her and silently prayed. She prayed for the burdens Sarah was carrying to be lifted from her heart. “It's Seth …,” she finally started, and Maggie wasn't surprised. “Something terrible has happened …no…he did something terrible … something very wrong … and he got caught.” Maggie couldn't even begin to imagine what it was, and wondered if he'd had an affair that Sarah had just learned about, or perhaps suspected before.

“Did he tell you about it himself?” Maggie asked gently.

“Yes, he did. The night of the earthquake, when we got home, and the next morning.” She searched Maggie's eyes before she told her the whole story, but she knew she could trust her. Maggie kept everyone's secrets to herself, and shared them only with God, when she prayed. “He did something illegal … he transferred funds he shouldn't have to his hedge fund. He was going to move them out again, but with the earthquake, all the banks were closed, so the money was sitting there. He knew it would be discovered before the banks opened again.” Maggie was silent but taken aback. This was obviously a much bigger problem than she had thought.

“And was it discovered?”

“Yes.” Sarah nodded miserably. “It was. In New York. On the Monday after the earthquake. It was reported to the SEC. And they contacted the FBI here. There's an investigation, and there will probably be a grand jury indictment and a trial.” She cut to the chase. “If he's convicted, he could go to prison for thirty years. Maybe less, but that would be worst case. And now he's talking about selling out the friend who helped him do it. He's already under investigation in New York.” She began crying harder then, and reached out and took the nun's hand in her own. “Maggie …I don't even know who he is. He's not the man I thought he was. He's a con man and a fraud. How could he do this to us?”

“Did you suspect any of it?” Maggie looked worried for her. This was indeed an awful story.

“Never. Nothing. I thought he was completely honest, and just incredibly smart and successful. I thought we spent too much money, and he kept saying we had it to spend. Now I don't even know if it was really our money or not. God only knows what else he did. Or what's going to happen now. We'll probably lose our house … but even worse, I've already lost him. He's already a condemned man. He'll never be able to get out of this. And he wants me to stand by him and stay with him. He says that's what I signed on for, ‘for better or worse’ … and what's going to happen to me and the kids if he goes to prison?” Maggie knew that she was young, and whatever happened, she could start her life again. But there was no question, this was a terrible way for things to end with Seth, if they did. It sounded terrifying even to her, with the little she knew.

“Do you want to stand by him, Sarah?”

“I don't know. I don't know what I want or what I think. I love him, but now I'm not even sure who I love, or who I've been married to for four years, or knew for two years before that. He really is a fraud. And what if I can't forgive him for what he's done?”

“That's another story,” Maggie said wisely. “You can forgive him, but decide not to stay with him. You have a right to decide who and what and how much hardship you want in your life. Forgiveness is an entirely other story, and I'm sure in time you will. It's probably too soon for you to make any major decisions. You need to sit with it for a while and see how you feel. You may decide to stay with him in the end, and stand by him, or maybe not. You don't have to make that decision right now.”

“He says I do,” Sarah said, looking grief-stricken and confused.

“That's not for him to say. It's up to you. He's asking an awful lot of you, after what he did. Have the authorities come to see him yet?”

“The FBI is with him right now. I don't know what will happen next.”

“You have to wait and see.”

“I'm not sure what I owe him, or what I owe my kids and myself. I don't want to go down the tubes with him, or be married to a man who's in prison for twenty or thirty years, or even five. I don't know if I could do it. I could end up hating him for this.”

“I hope not, Sarah, whatever you decide. You don't need to hate him, that would only poison you. He has a right to your compassion and your forgiveness, but not to ruin your life or your children's.”

“Do I owe this to him, as his wife?” Sarah's eyes were infinite pits of pain, confusion, and guilt, and Maggie felt deeply sorry for her, for them both in fact. They were in an awful mess, and whatever he'd done, she suspected that Seth was in no better shape than his wife, and she was right.

“You owe him your understanding, pity, and compassion, not your life, Sarah. You can't give him that, whatever you do. But the decision to stand by him or not is entirely yours, whatever he says. If it's better for you, and your children, you have a right to walk away. The only thing you owe him now is forgiveness. The rest is up to you. And forgiveness brings with it a state of amazing grace. That alone will bless you both in the end.” Maggie was trying to give her practical advice, colored by her own powerful beliefs, which were entirely based on mercy, forgiveness, and love. The very spirit of the risen Christ.

“I've never been in a situation like this,” Maggie admitted honestly. “I don't want to give you bad advice. I just want to tell you what I think. What you do is up to you. But it may be too soon for you to decide. If you love him, that's already a lot. But how that love manifests in the end, and how you express it, will be your choice. It may be more loving for you and your children in the end to let him go. He has to pay the price for his own mistakes, and it sounds like they were big ones. You don't. But to some degree, you will anyway. This won't be easy for you either, whatever you decide to do.”

“It already isn't. Seth says we'll probably lose the house. They could seize it. Or he may have to sell it to pay his lawyers.”

“Where would you go?” Maggie asked with a look of concern. It was obvious that Sarah felt lost, which was why she had come to see her. “Do you have family here?” Sarah shook her head.

“My parents moved to Bermuda. I can't stay with them, that's too far away. I don't want to take the kids away from Seth. And I don't want to say anything to my parents yet. I guess if we lose the house, I could get a little apartment, and I'd have to get a job. I haven't worked since we got married, because I wanted to stay home with the kids, and it's been great. But I don't think I'll have much choice. I can find a job if I have to. I have an MBA. That's how Seth and I met, at Stanford Business School.” Maggie smiled at her, and thought that her husband had certainly misused his advanced degree in business. But at least Sarah had the education to get a good job and support herself and her children if need be. That wasn't the point. The big question mark was their marriage, and Seth's future if he was prosecuted, which sounded like a sure thing. As did an eventual conviction, if what Sarah said was true, and it seemed that way.