“Excuse me?”

Kelly’s whisper grew louder. “Do you have any idea how much we’re talking about?”

Her eyes burned with unshed tears. She wanted to be home where she could find solace in the familiar. “No. How much?”

“Sixty million dollars.”

Sophia felt faint. “That’s a huge amount of money.” Even to her, and she was used to hearing Skip talk in big figures.

“More than he’ll ever be able to come up with.”

“So...who’s been hurt? Which investors?”

“Anyone who gave him money for the SLD Fund.”

“And the SLD Fund is...”

“The money that was supposed to be invested in a diverse array of assets and publicly traded equities.”

Wait. The “publicly traded equities” reference jogged her memory. She’d heard Skip talking about the SLD Fund with various people around town. That was the big moneymaking opportunity he’d been pushing for the past year. “You’re saying these investors have lost their money? There’s no way to get it back?”

“Now you’re catching on,” Kelly retorted. “I’m guessing he wouldn’t have taken it if he didn’t need it, but that doesn’t make this right. He’s been struggling to cover our overhead here for months. I thought he’d get the finances straightened out when he closed the next deal. That’s what he told me. He said he had a big one coming down the pike. But now...I’m wondering if he’s been saying that just to buy time, so I’d stick around until the end and help him keep up appearances.”

“You’re making it sound like...like DeBussi Investments is defunct. Broke!”

“It should sound that way. Because unless he’s sitting on a secret stash somewhere, it’s true.”

“That can’t be possible.” Skip always had money. Although he’d entered the business world right out of high school and hadn’t attended a day of college, he’d been independently wealthy by the time she married him, when they were twenty-two. And he’d grown richer as the years passed. Not long ago, California Business, a respected magazine, had touted him the best investment consultant in the state.

“But if there’s no money in DeBussi Investments, what about our personal finances?” she asked. “Maybe I can pay some of it back.” At least to the people she knew.

“I have no idea how things stand on the personal side,” Kelly said.

That gave Sophia some hope, but she found out soon enough that she wouldn’t be able to right Skip’s wrongs. When she tried to buy fuel for the Legacy the next morning, she learned that the FBI had frozen all of their bank and credit accounts.

3

Sophia squinted against the bright afternoon sun. She’d never been fond of her in-laws, especially Skip’s mother. Generally, they treated her with a sort of mild neglect, and she pretended not to notice, but occasionally she detected real disdain. She could only assume that her husband had complained about her to them the way he did to Lexi. She’d never said or done anything that should put her out of favor—but there was her drinking problem. Their disapproval and their coolness toward her made it difficult to turn to them, even in her hour of need. She’d called them today because they deserved to know that their son was missing. He was fairly close to them, as close as he was to anybody, and she needed money to fly Alexa and her home. It wasn’t as if she could go to her parents for help. It’d been twelve years since her father had died of prostate cancer, fourteen since her mother had been hospitalized for good.

“What are you talking about?” Sharon snapped. “This can’t be true.”

Sophia had just told her that Skip hadn’t been on the boat when she woke up yesterday and she hadn’t seen him since. She’d decided not to mention the FBI. She figured hearing that their son had disappeared and was likely dead would be hard enough; they could deal with the rest once she got home and had more information. Despite the harsh reality of her current financial situation, or perhaps because of it, Sophia kept hoping that there was a logical explanation—other than what the facts seemed to suggest.

“Sharon, it’s true,” she said. “I have no idea where he could be. I contacted the Brazilian police, of course, and they’ve been searching ever since. But it’s been thirty-two hours and there’s no sign of him.”

“Have you called his cell?”

“Over and over.”

“He must’ve had business in Rio,” his mother said in her usual brusque manner. She always acted as if she had all the answers. “You know how he is. He works nonstop.”

“Are you saying he swam to his appointment? Because that’s the only way he could’ve gotten there—unless we all missed the fact that a boat came alongside us in the night.”

Silence met this response. Sharon had heard the sarcasm, but at this particular moment Sophia couldn’t tolerate her mother-in-law’s supercilious attitude. She was having trouble holding herself together. Although she’d made it through the entire night without a drop of alcohol, she hadn’t slept. Her eyes felt like sandpaper, her head and her stomach ached, and she had some terrible truths to face—truths that would change her whole life. If Skip didn’t come back, if he didn’t straighten out the mess he’d made, she’d have no way to survive, let alone take care of their daughter.

She stared at her naked ring finger. On their tenth anniversary, Skip had replaced her wedding ring with a five-carat diamond that was worth over two hundred thousand dollars. But when she entered rehab, he’d taken it back, saying he wanted to have it appraised for insurance purposes....

In light of what she’d been told during the past two days, she suspected it hadn’t gone to an appraiser.

“I’m sorry.” She hid her hand from view, so she wouldn’t have to be reminded of the ring, and struggled to gain control of her emotions. “I—I’m upset, as you can imagine. Like I said, I have no idea what happened, why Skip isn’t here or where he might be. I hope he’s okay, that everything will end well. But I desperately want to come home. I have to come home. I can wait for him there.”

“It’s been a day—one day. Surely you wouldn’t give up hope and leave your husband so quickly.”

Flinching, she grappled for an explanation that wouldn’t include admitting that the FBI had accused Skip of being a criminal. She knew what that would do to his parents. They thought he walked on water. They’d always preferred him to his brother, who worked as a plumber and had five kids with four different women. “I can’t stay here. There’s been a...a mix-up with our accounts, and I’m not able to cover food and supplies or pay the crew.”

“Good Lord, now you’re talking about money? What’s that got to do with finding Skip before it’s too late?”

“If you could just wire enough for me to get Alexa home... Then I’ll explain everything, or as much as I know, anyway.”

There was talking on the other end.

“Sophia?” The phone had switched hands. This was Dale, Skip’s father.

She gripped her cell tighter. “Yes?”

“What the hell’s going on?”

As a rule, men treated her better than women. That was why she typically preferred them. But her father-in-law was a notable exception. “It...it’s unbelievable,” she said and told him what she’d told Sharon.

“My son would never leave his family high and dry,” he said when she’d finished. “It must be foul play, a—a kidnapping.”

“There’s been no ransom note.”

“Then something else happened. He wouldn’t abandon you and Alexa on that damn boat if he’d had a choice.”

A tear dripped down her cheek because she was pretty sure Skip had done exactly that, and she felt terrible for their daughter. How could he promise Alexa a wonderful two weeks at sea as a family—and then disappear?

“You—you’re probably right,” she said but only to get through this phone call without an argument. The more she considered the timing of Skip’s disappearance, the more she believed he’d gone on the run. He had to have known the FBI was closing in on him. Or maybe some of his investors had been pressing him for the fabulous return he’d promised, and he’d run out of excuses.

“Did he have problems with the crew?” his father asked.

Was he talking murder? “No, none. The crew is great. No one would hurt him.”

“Someone must’ve done something, by God! And now you want to leave, to come home without him? When he’s probably in trouble—maybe even stranded in the ocean? He could need your help!”

The lump in Sophia’s throat made speaking an effort. “I told you, I don’t have the money to stay. I—I can’t even provide the necessities for Lex. Think of your granddaughter, please. I need to get her home.”

“Why don’t you have money? This whole thing stinks, Sophia. What is it? What aren’t you telling us?”

She dropped her head, resting it in her free hand. She realized that this conversation couldn’t wait, after all. “The FBI has frozen our bank accounts, Dale.”

“Let go of the phone,” he told his wife. Then he spoke into the receiver again. “Did you say FBI?”

She sighed. “I’m afraid so.”

“Why would the FBI freeze your accounts? The FBI doesn’t do that unless...unless—”

“Unless they have reason,” she finished for him. “They claim Skip’s been defrauding his investors.”

“What?”

“It’s true. They’ve frozen all the money so they can return as much as possible. But Kelly tells me that’ll be a nominal amount, if any at all.”

“This is bullshit!” he exploded. “My boy would never cheat a soul. He doesn’t need to cheat. Everything he touches turns to gold. You’ve seen what he’s done, what he’s provided for you.”