Reacher got out of the taxi at the Shevick house and walked up the narrow concrete path. The door opened before he could ring the bell. Shevick stood there, with the light behind him and his phone in his hand.
‘The money came through an hour ago,’ he said. ‘Thank you.’
‘Welcome,’ Reacher said.
‘You’re late. We thought maybe you weren’t coming back.’
‘I had to take a minor detour.’
‘Where?’
‘Let’s go inside,’ Reacher said. ‘We need to talk.’
This time they used the living room. The photographs on the wall, the amputated television. The Shevicks took the armchairs, and Reacher sat on the loveseat.
He said, ‘It happened pretty much like it happened with you and Fisnik. Except the guy snapped my picture. Which might be a good thing, in the end. Your name, my face. A little confusion never hurts. But if I was a real client, I wouldn’t have liked it. Not one little bit. It would have felt like a bony finger on my shoulder. It would have made me feel vulnerable. Then I got outside and there was more. Two guys, who wanted to drive me home, to see where I lived, and who I lived with. My wife, if I had one. Which was another bony finger. Maybe a whole bony hand.’
‘What happened?’
‘The three of us negotiated a different arrangement. Not linked in any way to your name or address. In fact fairly confusing as to exactly what took place. I wanted an element of mystery about it. Their bosses will suspect a message, but they won’t be sure who from. They’ll think the Albanians, most likely. Not you, certainly.’
‘What happened to the men?’
‘They were part of the message. As in, this is America. Don’t send an asshole who last time out was seventh on the undercard in some basement fight club in Kiev. At least take it seriously. Show some respect.’
‘They saw your face.’
‘They won’t remember. They had an accident. They got all banged up. Their memories will be missing an hour or two. Retrograde amnesia, they call it. Fairly common, after physical trauma. If they don’t die first, that is.’
‘So everything’s OK?’
‘Not really,’ Reacher said.
‘What else?’
‘These are not reasonable people.’
‘We know.’
‘How are you going to pay their money back?’
They didn’t answer.
‘You need twenty-five grand, a week from right now. You can’t be late. They showed me pictures too. Fisnik’s can’t have been worse. You need some kind of a plan.’
Shevick said, ‘A week is a long time.’
‘Not really,’ Reacher said again.
Mrs Shevick said, ‘Something good might happen.’
Nothing more.
Reacher said, ‘You really need to tell me what it is you’re waiting for.’
It was about their daughter, inevitably. Mrs Shevick’s gaze roamed the pictures on the wall as she told the story. Their daughter’s name was Margaret, shortened since childhood to Meg. She had been a bright, happy infant, full of charm and energy. She loved other children. She loved kindergarten. She loved elementary school. She loved to read and write and draw. She smiled and chattered all the time. She could persuade anyone to do anything. She could have sold ice to the Eskimos, her mother said.
She loved middle school just as much, and junior high, and high school. She was popular. Everyone liked her. She put on plays and sang in the choir and ran track and swam. She got her diploma, but she didn’t go to college. Her book learning was good, but not her main strength. She was a people person. She needed to be out and about, smiling, chatting, charming folks. Bending them to her will, if truth be told. She liked a purpose.
She got an entry-level job in the spokesperson business, and she bounced around town from one PR office to another, doing whatever the local establishments had a budget for. She worked hard, and made her name, and got promoted, and by the time she was thirty she was making more than her dad ever had as a machinist. Ten years later, at forty, she was still doing well, but she felt her trajectory had slowed. Her acceleration had been blunted. She could see her ceiling above her. She would sit at her desk and think, is this it?
No, she decided. She wanted one last big score. Bigger than big. She was in the wrong place, she knew. She would have to move. San Francisco, probably, where the tech money was. Where complicated things needed explaining. Sooner or later she would have to go there. Or New York. But she dithered. Time passed. Then, amazingly, San Francisco came to her. In a manner of speaking. Later she learned there was a perpetual ongoing game, stoked up by real estate people and tech sector accountants, in which the prize was to guess correctly about where the next-but-one Silicon Valley would be. In order to get in early. For some reason her hometown checked all the secret boxes. Regenerating, the right kind of people, the right buildings, and power, and internet speed. The first advance scouts were already sniffing around.
Meg got a friend-of-a-friend introduction to a guy who knew a guy, who arranged an interview with the founder of a brand new venture. They met in a downtown coffee shop. He was a twenty-five-year-old fresh off the plane from California. Some kind of a foreign-born computer genius, with some new thing to do with medical software and apps on people’s phones. Mrs Shevick admitted she had never been exactly sure what the product was, except she knew it was the type of thing that made folks rich.
Meg was offered the job. Senior Vice President for Communications and Local Affairs. It was a fledgling ink-not-dry start-up company, so the salary wasn’t great. Not much more than she was already making. But there was a whole giant package of benefits. Stock options, a huge pension plan, a gold-plated health plan, a European coupé to drive. Plus weird San Francisco stuff like free pizza and candy and massages. She liked all of it. But the stock options were by far the biggest deal. One day she could be a billionaire. Literally. That was how these things happened.
At first it went pretty well. Meg did great work keeping the drums beating, and two or three times in the first year it looked like they might make it to the top of the hill. But they didn’t. Not quite. The second year was the same. Still glossy and glamorous and cutting edge and the next big thing, but nothing actually happened. The third year was worse. Investors got nervous. The cash spigot was turned way down. But they hung in, lean and mean. They rented two floors of their building. No more pizza or candy. The massage tables were folded up and put away. They worked harder than ever, side by side in cramped quarters, still determined, still confident.
Then Meg got cancer.
Or, more accurately, she found out she’d had cancer for about the last six months. She had been too busy for doctor visits. She thought the weight she was losing was from working too hard. But no. It was a bad diagnosis. It was a virulent type, and it was fairly advanced. The only ray of hope was a bunch of new treatments. They were exotic and expensive, but their trials had been promising. They seemed to work. Their success rate was climbing. No other option, the doctors said. Calendars were cleared, and Meg was booked in for her first session the very next morning.
Which was when the problems started.
Mrs Shevick said, ‘There was a glitch with her insurance. Her account number wouldn’t run. She was prepping for chemo, and people were running in and out asking her full name and date of birth and Social Security number. It was a nightmare. They had the insurance company on the phone, and no one knew what was going on. They could see her history and they knew she was a customer. But the code wouldn’t authorize. It threw up an error message. They said it was just a computer thing. No big deal. They said it would be fixed the next day. But the hospital said we couldn’t wait. They had us sign a form. It said we would cover the bill if the insurance didn’t come through. They said it was just a technicality. They said computer things happened all the time. They said everything would get straightened out.’
‘I’m guessing everything didn’t,’ Reacher said.
‘The weekend came along, which was two more sessions, and then it was Monday, and then we found out.’
‘Found out what?’ Reacher asked, although he felt he could guess.
Mrs Shevick shook her head and sighed and flapped her hand in front of her face, as if she couldn’t form the words. As if she was all done talking. Her husband leaned forward, with his elbows on his knees, and he continued the tale.
‘Their third year,’ he said. ‘When their investors got nervous. It was even worse than they knew. It was worse than anyone knew. The boss was keeping secrets. From everyone, Meg included. Behind the scenes the whole thing was falling apart. He wasn’t paying the bills. Not a dime. He didn’t renew the company health plan. He didn’t pay the premium. He just ignored it. Meg’s number wouldn’t run because the policy was cancelled. On her fourth day of treatment we found out she was uninsured.’
‘Not her fault,’ Reacher said. ‘Surely. It was some kind of fraud or breach of contract. There must be a remedy.’
‘There are two,’ Shevick said. ‘One is a government no-fault fund, and the other is an insurance industry no-fault fund, both of them set up for this specific reason. Naturally we ran straight to them. Right away they got to work on how to apportion responsibility between them, and as soon as that’s done they’re going to refund everything we’ve spent so far, and then take care of everything else going forward. We expect a decision any day.’
‘But you can’t pause Meg’s treatment.’
‘She needs so much. Two or three sessions a day. Chemo, radiation, care and feeding, all kinds of scans, all kinds of lab work. She can’t get welfare. Technically she’s still employed, technically with a decent salary. No one in the press is interested. Where’s the story? Kid needs something, parents willing to pay. Where’s the punchline? Maybe we shouldn’t have signed that paper. Maybe other doors would have opened. But we did sign the paper. Too late now. Obviously the hospital wants to get paid. This is not emergency room stuff. It can’t be written off. Their machines cost a million dollars. They have to buy actual physical crystals of radioactive stuff. They want the money in advance. It’s what happens in cases like these. Cash on the barrelhead. Nothing happens before. Nothing we can do about it. All we can do is hang in until someone else steps up. Could be tomorrow morning. We have seven chances before the week is over.’
‘You need a lawyer,’ Reacher said.
‘Can’t afford one.’
‘There’s probably an important principle in there somewhere. You could probably get one pro bono.’
‘We have three of that kind already,’ Shevick said. ‘They’re working on the public interest aspect. Bunch of kids. They’re poorer than we are.’
‘Seven chances before the week is over,’ Reacher said. ‘Sounds like a country song.’
‘It’s all we got.’
‘I guess it almost qualifies as a plan.’
‘Thank you.’
‘Do you have a plan B?’
‘Not as such.’
‘You could try lying low. I’ll be long gone. The photograph they took will be no good to them.’
‘You’ll be gone?’
‘I can’t stay anywhere a week.’
‘They have our name. I’m sure we can be traced. There must be old paperwork still around. One level down from the phone book.’
‘Tell me about the lawyers.’
‘They’re working for free,’ Shevick said. ‘How good can they be?’
‘Sounds like another country song.’
Shevick didn’t answer. Mrs Shevick looked up.
‘There are three of them,’ she said. ‘Three nice young men. From a public law project. Paying their dues. Good intentions, I’m sure. But the law moves slow.’
Reacher said, ‘Plan B could be the police. A week from now, if the other thing hasn’t happened yet, you could head over to the station house and tell them the story.’
Shevick asked, ‘How well would they protect us?’
‘I guess not very,’ Reacher said.
‘And for how long?’
‘Not very,’ Reacher said again.
‘We would be burning our boats,’ Mrs Shevick said. ‘If the other thing hasn’t happened yet, then we need those people more than ever. Who else could we turn to when the next bill comes in? Going to the police would leave us with no access to anything.’
‘OK,’ Reacher said. ‘No police. Seven chances. I’m sorry about Meg. I really am. I really hope she makes it.’
He stood up, and felt large in the small boxy space.
Shevick said, ‘Are you going?’
Reacher nodded.
‘I’ll get a hotel in town,’ he said. ‘Maybe I’ll swing by in the morning. To say so long, before I hit the road. If I don’t, it was a pleasure meeting you. I wish you the best of luck with your troubles.’
He left them there, sitting quiet in the half empty room. He let himself out the front door, and he walked down the narrow concrete path to the street, and onward past parked cars and dark silent houses, and when he hit the main drag he turned towards town.