“Your husband was a very successful man. There are dangerous people out there. People with no scruples or morals, who prey on people like you. They're more dangerous than you can imagine, or want to believe. I think some of them may be watching you, or thinking about you. They may be doing more than thinking. I don't know anything for sure, but the pieces started falling into place for me a few hours ago. And I want to talk to you about it. I'll tell you what I know, and what I think, and we'll take it from there.” Rick was watching his old partner at work, as he listened to Ted talk to her, and as he always had, he admired his gentleness and style. He was forthright without being unduly frightening. He also knew Ted was going to tell her the truth, as he saw it. He always did. He believed in informing victims, and then giving his all to protect them. And Rick loved him for it. Ted was a man of dedication, integrity, and honor.

“You're scaring me,” Fernanda said softly, searching Ted's eyes to see how bad it was, and she didn't like what she saw.

“I know I am, and I'm sorry,” he said gently. He wanted to reach out and touch her to reassure her, but he didn't.

“Special Agent Holmquist arrested a man yesterday.” He glanced at Rick as he said it, and Rick nodded as Ted went on. “He runs a mammoth business. He is apparently successful, he's done some fancy footwork with his taxes, and he's probably been laundering money, which got him into trouble. I don't think anyone really knows the whole story on him yet. He's very social, he seems respectable. He has a wife and kids, and to the world at large, he appears to be a huge success.” She nodded, listening carefully, taking it all in. “We did some checking this morning, and things aren't always what they appear. He's thirty million dollars in debt. Possibly thirty million dollars of other people's money, and more than likely the people he's investing for are not honest, law-abiding people. They don't like losing money and will go after him. Things are closing in on him. According to our sources, he's desperate.”

“Is he in jail?” She recalled the beginning of the story, when Ted said he'd been arrested the day before.

“He's out on bail. It'll probably take a long time to get him to court. He has good lawyers, powerful connections, he's good at what he does. But underneath the surface, there's a giant mess. Probably worse than we think. He needs money to stay afloat, maybe even to stay alive, and fast. That kind of desperation makes people do crazy things.”

“What does he have to do with me?” It made no sense to her.

“I don't know yet. His name is Phillip Addison. Does that name mean anything to you?” He searched her face, but there was no sign of recognition as she shook her head.

“I think I've seen his name in the papers. But I've never met him. Maybe Allan knew him, or who he was. He knew a lot of people. But I've never met this man. I don't know him.”

Ted nodded thoughtfully, and went on. “He had a file in his desk. A big file, very big, about three or four inches thick, full of clippings about your husband. From the look of it, he was obsessed with him, and his success. Maybe he admired him, or thought he was a hero. But I suspect he followed everything your husband did.”

“I think a lot of people did,” Fernanda said with a sad smile. “He was every man's dream. Most people thought he just got lucky. He did. But it was some luck and a lot of skill. Most people don't realize that. He had a sixth sense for business, and high-risk deals. He took a lot of chances,” she said sadly, “but all most people see are the successes.” She didn't want to betray him by exposing his failures, which had been equally huge, in fact greater in the end. But to the naked eye, and those who read about him, Allan Barnes had been the personification of the American dream.

“I'm not sure why Addison kept that file on him. It goes back a lot of years. It may be innocent, but it may not be. It's very thorough. Maybe too thorough. He even has magazine and newspaper pictures of your husband, and one of you and the kids.”

“Is that why you're worried?”

“Partly. It's a little piece of that puzzle right now, a piece of sky. Maybe two pieces. We found a name in his desk. Special Agent Holmquist did. And old cops have good instincts, sometimes they don't even know why. They're used to seeing something that looks like nothing, and bells go off. Bells went off for him. We checked the guy out, the name on the piece of paper is Peter Morgan. He's an ex-con. He got out of prison a few weeks ago. He's a small-time operator, but kind of an interesting guy. He graduated from Duke, got an MBA from Harvard, went to the right prep schools before that. His mother married money, or something like that.” He had read Peter's probation report, and all of that was in it, which was how Ted knew of it. He had read everything before he came to her. “He got himself in some trouble working in a brokerage house when he got out of Harvard, switched to investment banking, and married well. He married the daughter of the head of the firm, had a couple of kids, and started getting in trouble again. He got into drugs, started dealing, or using heavily, which probably led him into dealing. He embezzled some money, did a lot of stupid stuff, his wife left him, he lost custody and visitation of his kids, and came out here. And made a bigger mess. Eventually, he got arrested for dealing drugs. He was a small-time operator fronting for bigger fish, and he took the fall for them. But he deserved it. He sounds like a bright guy gone wrong. It happens. Sometimes people with the best opportunities do everything in their power to screw them up. He did. He spent just over four years in prison. He had a job working for the warden, who seems to think he's a great guy. I have no idea what his connection is to Addison, but he had Morgan's name written down twice. I don't know why. And Addison's name is in Morgan's address book. It looks like an old entry, not a new one.

“A few weeks ago Morgan was living in a halfway house, without a penny to his name. Now he's living in a second-rate hotel in the Tenderloin, with new clothes in his closet. I wouldn't call it a windfall, but he seems to be doing okay. We checked, he has a car, he's paying his rent, he hasn't gotten into trouble since he got out, and he has a job. We don't know about his connection with Addison. They may have known each other before he went to prison, or Morgan may have met him more recently. But something about that connection doesn't feel right to me, and it didn't to Special Agent Holmquist either.

“The other thing I don't like is that Morgan got out of prison on the same day as a man named Carlton Waters. I don't know if that rings any bells for you. He's been in prison for murder since he was seventeen years old. He's written a number of articles about his innocence, he tried to get a pardon a few years ago, and didn't. He lost on appeal several times. He finally got out after serving twenty-four years. He and Morgan were both in Pelican Bay prison, at the same time, and got out on the same day. We haven't connected Addison to Waters, but Morgan had Waters's number in his room. There's a link between these people, maybe a very thin link, but it's there. We can't ignore it.”

“Isn't that the man you showed us the mug shot of, after the car bombing?” The name sounded familiar to her, and Ted nodded.

“That's the one. I went to see him in Modesto, where he's living in a halfway house. And it may not mean anything, but I don't like the fact that you're living on the same street where I think he put a bomb under Judge McIntyre's car. I have absolutely no evidence, but I have my gut. My gut tells me he did it. Why was he here? For the judge, or for you? Maybe he decided to kill two birds with one stone. Have you noticed anyone watching you, or following you, a face that has turned up more than once? A strange coincidence of someone you keep running into?” She shook her head, and he made a mental note to himself to show her Morgan's mug shots. “I'm not certain, but my instincts tell me you're part of this somehow. Morgan had your address on a scrap of paper in his hotel room. Addison was fascinated by your husband, and maybe with you. I'm worried about that file. Addison is linked to Morgan. And Morgan is linked to Waters. And Morgan had your address. These are bad people. Waters is as bad as it gets. He and his buddy killed two people, no matter what he says, for two hundred dollars and some small change. He's dangerous, Addison is desperate for money, and Morgan is a small-time crook, and possibly the link between the other two. We have a car bombing, no suspect we can nail it on, and I think Waters did it, although I can't prove it.” Listening to himself, his suspicions sounded far-fetched, even to him, and he was afraid he probably appeared totally insane to her. But he knew with his entire being that something was wrong, very wrong, and something bad was about to happen, and he wanted to convey the seriousness of that to her. “I think what clinches it for me here is that Addison needs money. A lot of it. Thirty million dollars in a very short time before his ship goes down. And I'm worried about what he and the others may do to get that money for him. I don't like the file on your husband, or the photograph of you and your children.”

“Why would he go after me, because he needs money?” she asked with a look of innocence that made Rick Holmquist smile. She was a pretty woman and he liked her, she seemed like a genuine and kind person, and she obviously felt comfortable with Ted, but she had been so protected all her life that she had no idea what kind of danger she could be in. It was impossible for her to imagine. She had never in her life been exposed to people like Waters, Addison, and Morgan.