“OK,” I say numbly. I can’t quite believe this is happening. I look at Dad’s kind, concerned face and suddenly I can barely meet his eye. Oh, why didn’t I tell him and Mum the truth? Why did I let myself get into this situation?

“You look quite shaken up, dear,” says Janice, and pats me on the shoulder. “You go and have a nice sit down.”

“Yes,” I say. “Yes, I think I will.”

And Dad leads me off gently toward the house, as though I were some kind of invalid.



This is all getting out of hand. Now not only do I feel like an utter failure, I don’t feel safe anymore, either. I feel exposed and edgy. I sit on the sofa next to Mum, drinking tea and watching Countdown, and every time there’s a sound outside, I jump.

What if Derek Smeath’s on his way here? How long would it take him to drive here from London? An hour and a half? Two, if the traffic’s bad?

He wouldn’t do that. He’s a busy man.

But he might.

Or send the bailiffs round. Oh God. Threatening men in leather jackets. My stomach is squeezed tight with fear. In fact, I’m beginning to feel as though I genuinely am being stalked.

As the commercial break begins, Mum reaches for a catalogue full of gardening things. “Look at this lovely birdbath,” she says. “I’m going to get one for the garden.”

“Great,” I mutter, unable to concentrate.

“They’ve got some super window boxes, too,” she says. “You could do with some nice window boxes in your flat.”

“Yes,” I say. “Maybe.”

“Shall I put you down for a couple? They’re not expensive.”

“No, it’s OK.”

“You can pay by check, or VISA. .” she says, flipping over the page.

“No, really, Mum,” I say, my voice sharpening slightly.

“You could just phone up with your VISA card, and have them delivered—”

“Mum, stop it!” I cry. “I don’t want them, OK?”

Mum gives me a surprised, slightly reproving look and turns to the next page of her catalogue. And I gaze back at her, full of a choking panic. My VISA card doesn’t work. My debit card doesn’t work. Nothing works. And she has no idea.

Don’t think about it. Don’t think about it. I grab for an ancient copy of the Radio Times on the coffee table and begin to leaf through it blindly.

“It’s a shame about poor Martin and Janice, isn’t it?” says Mum, looking up. “Fancy switching funds two weeks before the takeover! Such bad luck!”

“I know,” I mumble, staring down at a page of listings. I don’t want to be reminded about Martin and Janice.

“It seems a terrible coincidence,” says Mum, shaking her head. “That the company should launch this new fund just before the takeover. You know, there must be a lot of people who did exactly what Martin and Janice did, who have lost out. Dreadful, really.” She looks at the television. “Oh look, it’s starting again.”

The cheery Countdown music begins to play, and a round of applause rattles noisily from the television. But I’m not listening to it, or even paying any attention to the vowels and consonants. I’m thinking about what Mum has just said. A terrible coincidence — but it wasn’t exactly a coincidence, was it? The bank actually wrote to Janice and Martin, suggesting that they switch funds. They even offered an incentive, didn’t they? A carriage clock.

Suddenly I feel alert. I want to see the letter from Flagstaff Life — and find out exactly how long before the takeover they sent it.

“ ‘ending,’ ” says Mum, staring at the screen. “That’s six. Ooh, there’s an S. Can you have ‘endings’?”

“I’m just. . popping next door,” I say, getting to my feet. “I won’t be a minute.”



As Martin opens the front door, I see that he and Janice have also been sitting in front of the telly, watching Countdown.

“Hi,” I say sheepishly. “I was just wondering — could I have a quick chat?”

“Of course!” says Martin. “Come on in! Would you like a sherry?”

“Oh,” I say, a little taken aback. I mean, not that I’m against drinking, obviously — but it isn’t even five o’clock yet. “Well — OK then.”

“Never too early for a sherry!” says Martin.

“I’ll have another one, thanks, Martin,” comes Janice’s voice from the sitting room.

Blow me down. They’re a pair of alcoholics!

Oh God, perhaps this is my fault too. Perhaps their financial mishap has driven them to seek solace in alcohol and daytime television.

“I was just wondering,” I say nervously as Martin pours dark brown sherry into a schooner. “Just out of interest, could I have a look at that letter you got from Flagstaff Life, asking you to switch funds? I was wondering when they sent it.”

“It arrived the very day we saw you,” says Martin. “Why do you want to see it?” He raises his glass. “Your good health.”

“Cheers,” I say, and take a sip. “I’m just wondering—”

“Come into the living room,” he interrupts, and ushers me through from the hall. “Here you are, my love,” he adds, and gives Janice her sherry. “Bottoms up!”

“Sssh,” she replies. “It’s the numbers game! I need to concentrate.”

“I thought I might do a little investigation into this,” I whisper to Martin as the Countdown clock ticks round. “I feel so bad about it.”

“Fifty times 4 is 200,” says Janice suddenly. “Six minus 3 is 3, times 7 is 21 and add it on.”

“Well done, love!” says Martin, and roots about in a carved oak sideboard. “Here’s the letter,” he says. “So — do you want to write an article or something?”

“Possibly,” I say. “You wouldn’t mind, would you?”

“Mind?” He gives a little shrug. “No, I wouldn’t think so.”

“Sssh!” says Janice. “It’s the Countdown Conundrum.”

“Right,” I whisper. “Well, I’ll just. . I’ll just take this, shall I?”

“Explicate!” yells Janice. “No, exploited!”

“And. . thanks for the sherry.” I take a huge gulp, shuddering slightly at its sticky sweetness, then put my glass down and tiptoe out of the room.



Half an hour later, sitting in my bedroom, I’ve read the letter from Flagstaff Life six times and I’m sure there’s something fishy about it. How many investors must have switched funds after receiving this crappy carriage clock offer — and missed out on their windfall? More to the point, how much money must Flagstaff Life have saved? Suddenly I really want to know. There’s a growing indignation in me; a growing determination to find out exactly what’s been going on and, if it’s what I suspect, to expose it. To print the truth and warn others. For the first time in my life, I’m actually interested in a financial story.

And I don’t just want to write it up for Successful Saving, either. This deserves the widest audience possible. Eric Foreman’s card is still in my purse, with his direct telephone number printed at the top, and I take it out. I go to the phone and quickly punch in the number before I can change my mind.

“Eric Foreman, Daily World,” comes his voice, booming down the line.

Am I really doing this?

“Hi,” I say nervously. “I don’t know if you remember me. Rebecca Bloomwood from Successful Saving. We met at the Sacrum Asset Management press conference.”

“That’s right, so we did,” he says cheerfully. “How are you, my love?”

“I’m fine,” I say, and clench my hand tightly around the receiver. “Absolutely fine. Ahm. . I was just wondering, are you still running your series on ‘Can We Trust the Money Men?’ ”

“We are, as it goes,” says Eric Foreman. “Why?”

“It’s just. .” I swallow. “I think I’ve got a story that might interest you.”

Seventeen


I HAVE NEVER BEFORE worked so hard on an article. Never.

Mind you, I’ve never before been asked to write one so quickly. At Successful Saving, we get a whole month to write our articles — and we complain about that. When Eric Foreman said, “Can you do it by tomorrow?” I thought he was joking at first. I jauntily replied, “Of course!” and nearly added, “In fact, I’ll have it with you in five minutes’ time!” Then, just in time, I realized he was serious. Crikey.

So I’m round at Martin and Janice’s first thing the next morning with a Dictaphone, writing down exactly all the information on their investment and trying to get in lots of heart-wrenching details as advised by Eric.

“We need human interest,” he told me over the phone. “None of your dull financial reporting here. Make us feel sorry for them. Make us weep. A hardworking, ordinary couple, who thought they could rely on a few savings to see them through their old age. Ripped off by the fat cats. What kind of house do these people live in?”

“Ahmm. . a four-bedroom detached house in Surrey.”

“Well, for Christ’s sake don’t put that in!” he boomed. “I want honest, poor, and proud. Never demanded a penny off the state, saved to provide for themselves. Trusted a respectable financial institution. And all it did was kick them in the face.” He paused, and it sounded as if he might be picking his teeth. “That kind of thing. Think you can manage it?”

“I. . ahm. . yes! Of course!” I stuttered.

Oh God, I thought as I put down the phone. What have I got myself into?

But it’s too late to change my mind now. So the next thing is to persuade Janice and Martin that they don’t mind appearing in The Daily World. The trouble is, it’s not exactly The Financial Times, is it? Or even the normal Times. (Still, it could be a lot worse. It could be The Sun — and they’d end up sandwiched between a topless model and a blurred paparazzi shot of Posh Spice.)

Luckily, however, they’re so bowled over that I’m making all this effort on their behalf, they don’t seem to care which newspaper I’m writing for. And when they hear that a photographer’s coming over at midday to take their picture, you’d think the queen was coming to visit.