“I’m not sure,” I croak. “I’ve got a doctor’s appointment later. I must go. Bye.”

And that’s it. One phone call, and I’m free. No one suspects anything — why should they? I feel light with relief. It’s so easy to escape. I should have done this long ago.

At the back of my mind, like a nasty little gremlin, is the knowledge that I won’t be able to stay here forever. That sooner or later things will start to catch up with me. But the point is — not yet. And in the meantime, I’m not even going to think about it. I’m just going to have a nice cup of tea and watch Morning Coffee and blank my mind out completely.

As I go into the kitchen, Dad’s sitting at the table, reading the paper. There’s the smell of toast in the air, and Radio Four in the background. Just like when I was younger and lived at home. Life was simple then. No bills, no demands, no threatening letters. An enormous wave of nostalgia overcomes me, and I turn away to fill the kettle, blinking slightly.

“Interesting news,” says Dad, jabbing at The Daily Telegraph.

“Oh yes?” I say, putting a tea bag in a mug. “What’s that?”

“Scottish Prime has taken over Flagstaff Life.”

“Oh right,” I say vaguely. “Right. Yes, I think I’d heard that was going to happen.”

“All the Flagstaff Life investors are going to receive huge windfall payments. The biggest ever, apparently.”

“Gosh,” I say, trying to sound interested. I reach for a copy of Good Housekeeping, flick it open, and begin to read my horoscope.

But something’s niggling at my mind. Flagstaff Life. Why does that sound familiar? Who was I talking to about. .

“Martin and Janice next door!” I exclaim suddenly. “They’re with Flagstaff Life! Have been for fifteen years.”

“Then they’ll do very well,” says Dad. “The longer you’ve been with them, the more you get, apparently.”

He turns the page with a rustle, and I sit down at the table with my cup of tea and a Good Housekeeping article on making Easter cakes. It’s not fair, I find myself thinking resentfully. Why can’t I get a windfall payment? Why doesn’t Endwich Bank get taken over? Then they could pay me a windfall big enough to wipe out my overdraft.

“Any plans for the day?” says Dad, looking up.

“Not really,” I say, and take a sip of tea.

Any plans for the rest of my life? Not really.



In the end, I spend a pleasant, unchallenging morning helping Mum sort out a pile of clothes for a jumble sale, and at twelve-thirty we go into the kitchen to make a sandwich. As I look at the clock, the fact that I was supposed to be at Endwich Bank three hours ago flickers through my mind — but very far off, like a distant clock chiming. My whole London life seems remote and unreal now. This is where I belong. Away from the madding crowd; at home with Mum and Dad, having a nice relaxed uncomplicated time.

After lunch I wander out into the garden with one of Mum’s mail-order catalogues, and go and sit on the bench by the apple tree. A moment later, I hear a voice from over the garden fence, and look up. It’s Martin from next door. Hmm. I’m not feeling very well disposed toward Martin at the moment.

“Hello, Becky,” he says softly. “Are you all right?”

“I’m fine, thanks,” I say shortly. And I don’t fancy your son, I feel like adding.

“Becky,” says Janice, appearing beside Martin, holding a garden trowel. She gives me an awestricken look. “We heard about your. . stalker,” she whispers.

“It’s criminal,” says Martin fiercely. “These people should be locked up.”

“If there’s anything we can do,” says Janice. “Anything at all. You just let us know.”

“I’m fine, really,” I say, softening. “I just want to stay here for a while. Get away from it all.”

“Of course you do,” says Martin. “Wise girl.”

“I was saying to Martin this morning,” says Janice, “you should hire a bodyguard.”

“Can’t be too careful,” says Martin. “Not these days.”

“The price of fame,” says Janice, sorrowfully shaking her head. “The price of fame.”

“Well, anyway,” I say, trying to get off the subject of my stalker. “How are you?”

“Oh, we’re both well,” says Martin. “I suppose.” To my surprise there’s a forced cheerfulness to his voice. He glances at Janice, who frowns and shakes her head slightly.

“Anyway, you must be pleased with the news,” I say brightly. “About Flagstaff Life.”

There’s silence.

“Well,” says Martin. “We would have been.”

“No one could have known,” says Janice, giving a little shrug. “It’s just one of those things. Just the luck of the draw.”

“What is?” I say, puzzled. “I thought you were getting some huge great windfall.”

“It appears. .” Martin rubs his face. “It appears not in our case.”

“But. . but why?”

“Martin phoned them up this morning,” says Janice. “To see how much we would be getting. They were saying in the papers that long-term investors would be getting thousands. But—” She glances at Martin.

“But what?” I say, feeling a twinge of alarm.

“Apparently we’re no longer eligible,” says Martin awkwardly. “Since we switched our investment. Our old fund would have qualified, but. .” He coughs. “I mean, we will get something — but it’ll only be about £100.”

I stare at him blankly.

“But you only switched—”

“Two weeks ago,” he says. “That’s the irony. If we’d just held on a little bit longer. . Still, what’s done is done. No point whining about it.” He gives a resigned shrug and smiles at Janice, who smiles back.

And I look away and bite my lip.

A nasty cold feeling is creeping over me. They took the decision to switch their money based on my advice, didn’t they? They asked me if they should switch funds, and I said go ahead. But now I come to think of it. . hadn’t I already heard a rumor about this takeover? Oh God. Could I have stopped this?

“We could never have known these windfalls would happen,” says Janice, and puts her hand comfortingly on his arm. “They keep these things secret right up until the last minute, don’t they, Becky?”

My throat’s too tight to answer. I can remember exactly now. It was Alicia who first mentioned the takeover. The day before I came down here. And then Philip said something about it in the office. Something about with-profits holders doing well. Except. . I wasn’t really listening. I think I was doing my nails at the time.

“Twenty thousand pounds, they reckon we would have got if we’d stayed,” says Martin gloomily. “Makes you sick to think about it. Still, Janice is right. We couldn’t have known. Nobody knew.”

Oh God. This is all my fault. It’s all my fault. If I’d just used my brain and thought for once. .

“Oh, Becky, don’t look so upset!” says Janice. “This isn’t your fault! You didn’t know! Nobody knew! None of us could have—”

“I knew,” I hear myself saying miserably.

There’s a flabbergasted silence.

“What?” says Janice faintly.

“I didn’t know, exactly,” I say, staring at the ground. “But I heard a sort of rumor about it a while ago. I should have said something when you asked me. I should have warned you to wait. But I just. . didn’t think. I didn’t remember.” I force myself to look up and meet Martin’s astonished gaze. “I. . I’m really sorry. It’s all my fault.”

There’s silence, during which Janice and Martin glance at each other and I hunch my shoulders, loathing myself. Inside, I can hear the phone ringing, and footsteps as someone goes to answer it.

“I see,” says Martin eventually. “Well. . not to worry. These things happen.”

“Don’t blame yourself, Becky,” says Janice kindly. “It was our decision to switch funds, not yours.”

“And remember, you’ve been under a lot of pressure yourself recently,” adds Martin, putting a sympathetic hand on my arm. “What with this dreadful stalking business.”

Now I really feel like dirt. I don’t deserve these people’s kindness. I’ve just lost them £20,000, through being too bloody lazy to keep up with events I’m supposed to know about. I’m a financial journalist, for God’s sake.

And suddenly, standing there in my parents’ garden on a Monday afternoon, I’m plunged to the lowest ebb of my life. What have I got going for me? Nothing. Not one thing. I can’t control my money, I can’t do my job, and I haven’t got a boyfriend. I’ve hurt my best friend, I’ve lied to my parents — and now I’ve ruined my neighbors.

“Becky?”

My father’s voice interrupts us all, and I look up in surprise. He’s striding across the lawn toward us, a perturbed look on his face.

“Becky, don’t be alarmed,” he says, “but I’ve just had that Derek Smeath chap on the phone.”

“What?” I say, feeling my face drain in horror.

“The stalker?” exclaims Janice, and Dad gives a sober nod.

“Quite an unpleasant fellow, I would say. He was really quite aggressive toward me.”

“But how does he know Becky’s here?” says Janice.

“Obviously just taking potluck,” says Dad. “I was very civil, simply told him you weren’t here and that I had no idea where you were.”

“And. . and what did he say?” I say in a strangled voice.

“Came out with some nonsense about a meeting you’d set up with him.” Dad shakes his head. “The chap’s obviously deluded.”

“You should change your number,” advises Martin. “Go ex-directory.”

“But where was he phoning from?” says Janice, her voice rising in alarm. “He could be anywhere!” She starts looking agitatedly around the garden as though expecting him to jump out from behind a bush.

“Exactly,” says Dad. “So, Becky, I think maybe you should come inside now. You never know with these characters.”