Wendy shook her head. "Maybe it wasn't him. He didn't work in a vacuum, did he? He had partners and an a.s.sistant. Maybe one of them . . ."

Still meeting her eye, Win picked up a remote control and pressed the b.u.t.ton. The television came on.

"Mr. Barry was also kind enough to let me go through the surveillance tapes."

The TV screen lit up to reveal an office. The camera had been placed up high, shooting downward. Phil Turnball was feeding doc.u.ments into a shredder.

"This is your Mr. Turnball destroying his clients' account statements before they get mailed out."

Win hit the remote. The screen jumped. Now Phil was at his desk. He stood and moved toward a printer. "Here is Mr. Turnball printing out the fake replacement statements, which he will subsequently mail out. We could go on and on here, Wendy. But there is no doubt. Phil Turnball defrauded his clients and Mr. Barry."

Wendy sat back. She turned to Ridley Barry. "If Phil is this big-time thief, why hasn't he been arrested?"

For a moment, no one said anything. Ridley Barry looked toward Win. Win nodded. "Go ahead. She won't tell."

He cleared his throat and adjusted his bow tie. He was a small man, wizened, the kind of old man some might call endearing or cute. "My brother Stanley and I founded Barry Brothers Trust more than forty years ago," he began. "We worked side-by-side for thirty-seven years. In the same room. Our desks faced each other. Every single working day. The two of us managed to build a business with gross outsets that exceed a billion dollars. We employ more than two hundred people. Our name is on the masthead. I take that responsibility very seriously--especially now that my brother is gone."

He stopped, looked down at his watch.

"Mr. Barry?"

"Yes."

"This is all very sweet, but why isn't Phil Turnball being prosecuted if he stole from you?"

"He didn't steal from me. He stole from his clients. My clients too."

"Whatever."

"No, not 'whatever.' That's much more than a question of semantics. But let me answer it two ways. Let me answer as, first, a cold businessman and, second, as an old man who believes that he is responsible for his clients' well-being. The cold businessman: In this post-Madoff environment, what do you think will happen to Barry Brothers Trust if it gets out that one of our top financial advisers ran a Ponzi scheme?"

The answer was obvious, and Wendy wondered why she didn't see that before. Funny. Phil had used that question to his advantage, hadn't he? He kept using that as proof he'd been set up--"Why haven't they arrested me?"

"On the other hand," he went on, "the old man feels responsible to those who put their trust in him and his company. So I'm going through the accounts myself. I will reimburse all clients from my personal finances. In short, I will take the hit. The clients who were defrauded will be compensated in full."

"And will be kept in the dark," Wendy said.

"Yes."

Which was why Win had sworn her to secrecy. She sat back and suddenly more pieces came together. Lots of them.

She knew now. She knew most of it--maybe all of it.

"Anything else?" Win asked.

"How did you catch him?" she asked.

Ridley Barry shifted in his seat. "You can only keep up a Ponzi scheme for so long."

"No, I get that. But what made you first start looking into him?"

"Two years ago, I hired a firm to examine the background of all our employees. This was a routine thing, nothing more, but a discrepancy in Phil Turnball's personal file came to our attention."

"What discrepancy?"

"Phil lied on his resume."

"About?"

"About his education. He said he graduated from Princeton University. That wasn't true."

CHAPTER 35.

SO NOW SHE KNEW.

Wendy called Phil's cell phone. Once again there was no answer. She tried his home. Nothing. On the way back from Win's office, she stopped at his home in Englewood. No one was there. She tried the Starbucks. The Fathers Club was gone.

She debated calling Walker or maybe, more likely, Frank Tremont. He was the one who handled the case of Haley McWaid. There was a good chance that Dan Mercer had not killed Haley. She thought that maybe she now knew who did, but it was still speculation.

After Ridley Barry left his office, Wendy had run it all by Win. There were two reasons for this. One, she wanted an intelligent outside ear and opinion. Win could provide that. But, two, she wanted someone else to know what she knew as, well, backup--to protect both the information and herself.

When she finished, Win opened his bottom drawer. He pulled out several handguns and offered her one. She declined.

Charlie and Pops were still gone. The house was silent. She thought about next year, Charlie gone to college, the house always this still. She didn't like it--the thought of being alone in a house like that. Might be time to downsize.

Her throat was parched. She downed a full gla.s.s of water and refilled the gla.s.s. She headed upstairs, sat down, and flipped on the computer. Might as well start testing out her theory. She did the Google searches in reverse-Princeton-scandal order: Steve Miciano, Farley Parks, Dan Mercer, Phil Turnball.

It made sense to her now.

She then Googled herself, read the reports on her "s.e.xually inappropriate" behavior, and shook her head. She wanted to cry, not for herself, but for all of them.

Had this all really started with a college scavenger hunt?

"Wendy?"

She should have been scared, but she wasn't. It just reconfirmed what she already knew. She turned around. Phil Turnball stood in her doorway.

"Other people know," she said.

Phil smiled. His face had that shine from too much drink. "You think I mean to hurt you?"

"Haven't you already?"

"I guess that's true. But that's not why I'm here."

"How did you get in?"

"The garage was open."

Charlie and that d.a.m.n bike. She wasn't sure what the right move was here. She could try to be subtle, hit her cell phone, dial 9-1-1 or something. She could try to send an e-mail, an electronic SOS of some kind.

"Don't be afraid," he said.

"Do you mind if I call a friend then?"

"I'd rather you didn't."

"And if I insist?"

Phil took out a gun. "I have no intention of hurting you."

Wendy froze. When a gun comes out, it becomes the only thing you see. She swallowed, tried to stay strong. "Hey, Phil?"

"What?"

"Nothing says you have no intention of hurting someone better than whipping out a handgun."

"We need to talk," Phil said. "But I'm just not sure where to start."

"How about how you kicked that mirror shard into Christa Stockwell's eye?"

"You really have done your homework, haven't you, Wendy?"

She said nothing.

"You're right too. That is where it began." He sighed. The gun hung down by his thigh. "You know what happened though, don't you? I was hiding and then Christa Stockwell screamed. I ran for the door, but she tripped me and grabbed my leg. I never meant to hurt her. I was just trying to get away, and I panicked."

"You were in the dean's house because of a scavenger hunt?"

"We all were."

"Yet you took the fall alone."

For a moment Phil looked off, lost. She considered making a run for it. He wasn't pointing the gun at her. It might be her best chance. But Wendy didn't move. She just sat there until he finally said, "Yes, that's true."

"Why?"

"It seemed like the right thing to do at the time. You see, I came into that school with every advantage. Wealth, family name, a prep school education. The others struggled and sc.r.a.ped. I was drawn to that. They were my friends. Besides, I was going to get in trouble anyway--why drag them into it?"

"Admirable," Wendy said.

"Of course, I didn't know the extent of the trouble I was in. It was dark in the house. I thought Christa was just screaming out of fear. I had no idea when I confessed that she'd been hurt that badly." He c.o.c.ked his head to the right. "I like to think that I still would have done the same thing. Taken the hit for my friends, that is. But I don't know."

She tried to glance at the computer, tried to see if there was something she could click to get help. "So what happened then?"

"You know already, don't you?"

"You were expelled."

"Yes."

"And your parents paid Christa Stockwell for her silence."

"My parents were aghast. But maybe, I don't know, maybe I knew they would be. They paid my debt and then told me to go away. They gave the family business to my brother. I was out. But again maybe that was a good thing."

"You felt free," Wendy said.

"Yes."

"You were now like your roommates. The guys you admired."

He smiled. "Exactly. And so, like them, I struggled and sc.r.a.ped. I refused any help. I got a job with Barry Brothers. I put together a client list, worked hard to keep everyone happy. I married Sherry, a spectacular woman in every way. We made a family. Beautiful kids, nice house. All on my own. No nepotism, no help . . ."

His voice drifted off. He smiled.

"What?"

"You, Wendy."

"What about me?"

"Here we are, the two of us. I have a gun. I'm telling you all about my nefarious deeds. You're asking questions to stall me, hoping for the police to arrive just in the nick of time."

She said nothing.

"But I'm not here for me, Wendy. I'm here for you."

She looked at his face, and suddenly, despite the gun and the situation, the fear left her. "How so?" she asked.

"You'll see."

"I'd rather--"

"You want the answers, don't you?"

"I guess."

"So where was I?"

"Married, job, no nepotism."