Michael tried to hide his concern. "Do you have any idea where he was going, Grace? What his plans were?"

Grace shook her head.

"All right, sweetheart. Don't worry, we'll find him. Come on in and I'll call the coast guard. Those guys are the best. He'll be back home in no time, you'll see."

JACK W WARNER GOT TO THE HOUSE at six at six P.M., P.M., soaked to the skin and badly shaken. soaked to the skin and badly shaken.

"I've never known a storm to close in that fast. Never." Honor hugged him. Without thinking, Jack hugged her back.

Connie and Michael were upstairs, putting the children to bed. Downstairs in the kitchen, Grace, Honor, Caroline and a still-green-looking Maria Preston sat waiting for news. Lenny's yacht was still missing.

John Merrivale had gotten back from his business trip in Boston half an hour earlier. Walking over to Grace, he put his arm around her, ignoring Caroline's dagger stares.

"Try not to w-w-worry. Lenny's an experienced sailor."

Grace barely registered that he'd spoken. She was too busy praying.

I lost one father, Lord. Please, don't let me lose another. don't let me lose another.

AT 8:17 8:17 P.M. EXACTLY, THE PHONE RANG. P.M. EXACTLY, THE PHONE RANG. Grace pounced on it. Grace pounced on it.

"h.e.l.lo?"

Ten seconds later, she hung up. Her teeth were chattering.

"Grace?" Caroline Merrivale moved toward her. "What is it? What did they say?"

"They've found the boat."

A chorus of "Thank G.o.ds" and "I told you sos" echoed around the room. When they'd all stopped hugging her, Grace said softly, "Lenny wasn't on it."

Then she pa.s.sed out.

SEVEN.

LATER, THE PERIOD AFTER L LENNY'S DISAPPEARANCE blurred in Grace's memory into one long, unbroken nightmare. Hours became days, days became weeks, but none of it seemed real. She was living in a trance, a hideous half-life from which only one person could awaken her. And that person was gone. blurred in Grace's memory into one long, unbroken nightmare. Hours became days, days became weeks, but none of it seemed real. She was living in a trance, a hideous half-life from which only one person could awaken her. And that person was gone.

After three days, Sea Rescue called off its search. Around the globe the headlines screamed: LEONARD BROOKSTEIN MISSING, PRESUMED DEAD.

HEDGE FUND GENIUS LOST AT SEA.

NEW YORK'S RICHEST MAN FEARED DROWNED Grace had never read anything so awful in her life. Had anyone told her at the time that worse was to come, she would not have believed them. How could anything be worse than life without Lenny?

It was John Merrivale who brought her home to New York. Her sisters and the others had all gone back when the search was called off, but Grace couldn't bring herself to leave Nantucket.

"You can't stay entombed on this island forever, Gracie. All your friends are in the city. Your f-family. You need a support network."

"But I can't leave Lenny, John. It's like I'm abandoning him."

"Darling Grace. I know it's hard. T-t-terribly hard. But Lenny is gone. You have to accept that. No one could survive a day in those w-waters. It's been two weeks."

With her rational mind, Grace knew John was right. It was her heart she had trouble convincing. Lenny wasn't gone. He couldn't be gone. Until she saw his dead body with her own two eyes, she could not give up hope.

Miracles happen. They happen all the time. Perhaps he was rescued by another fishing boat? Maybe a foreign boat, simple people who don't know who he is? Maybe he's lost his memory? Or found his way to an island somewhere? simple people who don't know who he is? Maybe he's lost his memory? Or found his way to an island somewhere?

It was all nonsense, of course. Voices in her head. But in those early days, Grace clung to the voices for dear life. They were all she had left of Lenny and she wasn't prepared to give them up. Not yet.

When she got back to their Park Avenue apartment, Grace found hundreds of bouquets of flowers waiting for her. She could have piled the condolence cards up to the ceiling.

"See?" said John. "Everybody l-loves you, Grace. Everybody wants to help."

But the cards and flowers didn't help. They were unwanted, tangible reminders that as far as the world was concerned, Lenny was dead.

THREE MILES AWAY, IN THE FBI's New York offices at 26 Federal Plaza, three men sat around a table: FBI's New York offices at 26 Federal Plaza, three men sat around a table: Peter Finch from the SEC was a short, amiable man, completely bald except for a thin tonsure of ginger hair that made him look like a monk. Normally, Finch was known for his good humor. Not today.

"What we're looking at here is the tip of the iceberg," he said grimly.

"Pretty big f.u.c.king iceberg." Harry Bain, the FBI's a.s.sistant director in New York, shook his head in disbelief. At forty-two, Bain was one of the bureau's highest fliers. Handsome, charming and Harvard-educated, with jet-black hair and piercing green eyes, Harry Bain had foiled two of the most significant domestic terror plots ever attempted on U.S. soil. Those had both been pretty huge cases. But if what Peter Finch was saying was true, this one could be even bigger.

"How much money are we talking about? Exactly?" Gavin Williams, another FBI agent who reported to Bain, spoke without looking up. A former SEC man himself, Williams had left the agency in disgust after the Bernie Madoff fiasco. A brilliant mathematician with higher degrees in modeling, statistics, data programming and a.n.a.lysis, as a young man he had dreamed of becoming an investment banker himself, joining the J. P. Morgan training program straight out of Wharton. But Gavin Williams had never quite made it. He lacked the killer commercial instincts necessary to take him to the top, as well as the political, people skills that had helped his far-less-intellectually-gifted cla.s.smates ama.s.s private fortunes in the tens of millions. Tall and wiry with close-cropped gray hair and a military bearing, Williams was a loner, as dour and emotionless as a statue. Brilliant, he might be. But in the clubby world of Wall Street, n.o.body wanted to do business with him.

Deeply embittered by this rejection, Gavin Williams made the decision to devote the rest of his life to the pursuit of those who had had made it to the top, cataloging their misdemeanors with crazed zeal. In the early days, working at the SEC had given him a tremendous sense of purpose. But all that changed after Madoff. The agency's failings in that case were catastrophic. Gavin himself hadn't worked on the case, but he felt tainted by collective embarra.s.sment. made it to the top, cataloging their misdemeanors with crazed zeal. In the early days, working at the SEC had given him a tremendous sense of purpose. But all that changed after Madoff. The agency's failings in that case were catastrophic. Gavin himself hadn't worked on the case, but he felt tainted by collective embarra.s.sment. Blinded by a simple Ponzi scheme! Blinded by a simple Ponzi scheme! The thought of it still gave Gavin Williams sleepless nights, even now in his new dream job as the FBI's top man on securities fraud. The thought of it still gave Gavin Williams sleepless nights, even now in his new dream job as the FBI's top man on securities fraud.

Peter Finch said, "It's not yet clear. On the surface the accounts looked clean. But after Brookstein disappeared, all Quorum's investors wanted their money back at once. It's those redemptions that have revealed this black hole. And it's growing by the day."

"But there are billions billions of dollars missing here." Harry Bain scratched his head. "How can that kind of money just evaporate?" of dollars missing here." Harry Bain scratched his head. "How can that kind of money just evaporate?"

"It can't. Maybe it got spent. Or lost, siphoned off into speculative, unprofitable private businesses controlled by Leonard Brookstein and his cronies. More likely Brookstein stashed it away somewhere. That's what we've got to find out."

"Okay." Harry Bain's quick mind was working. "How long before this gets into the press?"

Finch shrugged. "Not long. A few days, a week at most. Once investors start talking, it'll be out there. I don't need to tell you the implications this could have on the wider economy. Quorum was bigger than GM, almost as big as AIG. Every small business in New York had exposure. Pensioners, families."

Bain got the picture. "I'll handpick a task force of our best men to work on this today. The instant new information comes in, you pa.s.s it to Gavin. Gavin, you report directly to me. None of the information discussed today is to leave this room. Understood? I want to keep the media out for as long as possible. The NYPD, too. The last thing we need is those idiots running around, sabotaging our case."

Peter Finch nodded. Gavin Williams sat frozen, his face impa.s.sive, inscrutable. Harry Bain thought, I feel like Jim Kirk, working with Spock. I feel like Jim Kirk, working with Spock. He felt the familiar rush of adrenaline at the prospect of spearheading such a vital operation. He felt the familiar rush of adrenaline at the prospect of spearheading such a vital operation. If I track down that money, I'll be a hero. I might even get a shot at the directorship. If I track down that money, I'll be a hero. I might even get a shot at the directorship. Harry thought about his wife, Lisa, and how proud she'd be. Harry thought about his wife, Lisa, and how proud she'd be. Of course, if I fail... Of course, if I fail...

But Harry Bain wouldn't fail.

He had never failed in his life.

"THERE'S A TRUSTEES MEETING NEXT MONTH, Grace, on the twenty-sixth. I think it's important that you be there. If you can b-b-bear it." Grace, on the twenty-sixth. I think it's important that you be there. If you can b-b-bear it."

It had been two weeks since Grace's return to Manhattan, and John and Caroline Merrivale had invited her over for supper. When she declined the invitation, Caroline had driven over to her apartment and frog-marched her into a waiting cab.

Grace looked pained. "Can't you deal with it, John? I won't understand a word they say anyway. Lenny always handled all the legal things."

"You must go, Grace," said Caroline. "John will be there with you. But you're the sole beneficiary of Lenny's estate. There'll be things you need to approve."

"Am I? The sole beneficiary?"

Caroline gave a short, derisory laugh. "Of course you are, dear. You were his wife."

Grace thought, I'm still his wife. We don't know he's dead yet. Not for sure. I'm still his wife. We don't know he's dead yet. Not for sure. But she didn't have the energy to fight about it. Grace couldn't help but notice that Caroline had gotten rather bossy since Lenny...since the accident. Whenever John spoke to Grace, he was firm, but deferential. But she didn't have the energy to fight about it. Grace couldn't help but notice that Caroline had gotten rather bossy since Lenny...since the accident. Whenever John spoke to Grace, he was firm, but deferential. I really feel so and so. If you can, you should try to do such and such. I really feel so and so. If you can, you should try to do such and such. Caroline was much more autocratic. Caroline was much more autocratic. Do this. Say that. Do this. Say that.

Still, perhaps that's what I need right now? G.o.d knows I don't seem able to make any decisions for myself. perhaps that's what I need right now? G.o.d knows I don't seem able to make any decisions for myself.

Grace agreed to meet the trustees.

IT WAS HARD TO PINPOINT EXACTLY when the change started. Like all these things, it began almost imperceptibly. First the flowers stopped coming. Then the calls. Invitations to lunch or dinner began to dry up. On the one day that Grace tried to make an effort and drag herself out of the apartment-she went to the tennis club for coffee-she noticed many of her old girlfriends avoiding her. Tammy Rees practically broke into a run when she b.u.mped into Grace in the powder room, mumbling the quickest of "How are yous" before scuttling out the door. when the change started. Like all these things, it began almost imperceptibly. First the flowers stopped coming. Then the calls. Invitations to lunch or dinner began to dry up. On the one day that Grace tried to make an effort and drag herself out of the apartment-she went to the tennis club for coffee-she noticed many of her old girlfriends avoiding her. Tammy Rees practically broke into a run when she b.u.mped into Grace in the powder room, mumbling the quickest of "How are yous" before scuttling out the door.

Grace tried to talk to her sisters about it, but both Honor and Connie were distracted, distant almost. Neither had time to chat. Grace even called her mother, Holly, a sign of desperation if ever there was one.

It was a mistake.

"You're probably imagining it, darling. Why don't you go on a lovely cruise somewhere? Take your mind off things. I met Roberto on a cruise, you know. One never knows when Cupid might strike."

A cruise? I won't set foot on a boat again as long as I live.

The next day, Grace's platinum Amex card was declined at Bergdorf Goodman. Grace felt herself blushing scarlet as the women in line behind her stared.

"I think there must be some mistake," she said meekly. "I have unlimited credit."

The salesgirl was kind. "I'm sure it's just a mix-up, Mrs. Brookstein. But you'd best take it up with American Express. I'll be happy to keep the bag on hold for you if you'd like."

I don't want the stupid bag! I only came here to try to distract myself for five minutes. To forget about Lenny. As if I could ever do that!

"Thank you, that's okay. I'll, er...I'll go home and sort this out."

Grace called Amex. A drone told her that Lenny's account had been "terminated."

"What do you mean, 'terminated'? By whom? I didn't terminate it."

"I'm sorry, ma'am, but I can't help you. Your husband's account has been closed."

Worse was to come. Bills started arriving for unpaid services. An unpleasant man rang the apartment and informed Grace curtly that her mortgage payments were five months in arrears.

"I'm sorry, sir, but I think you must have me confused with someone else. We don't have a mortgage."

"Mrs. Brookstein. It is is Mrs. Brookstein I'm speaking to." Mrs. Brookstein I'm speaking to."

"Yes."

"The outstanding balance on your mortgage is sixteen million seven hundred and sixty-two thousand dollars and fourteen cents. That's in your and your husband's joint names. Would you like me to resend you the statements?"

It wasn't until Conchita, Grace's loyal maid, quit over unpaid wages-"I'm sorry, Mrs. Brookstein. But my 'usband, he won't let me keep coming here. Not unless you pay me"-that Grace finally overcame her embarra.s.sment and confessed her money worries to John Merrivale.

"It's insanity," she sobbed on the phone. "Lenny's worth billions, but suddenly I'm getting all these bills. No one will take my cards. I don't understand it."

There was a long silence on the other end of the line.

"John? Are you there?"

"I'm here, Gracie. I think perhaps you'd better come over."

JOHN M MERRIVALE WAS NERVOUS. EVEN MORE nervous than usual. Grace noticed the way he kept scratching at his neck and his eyes rarely met hers. She sat opposite him on the couch in his study as he began to explain. nervous than usual. Grace noticed the way he kept scratching at his neck and his eyes rarely met hers. She sat opposite him on the couch in his study as he began to explain.

"There have been rumors for s-some time now, Grace. Rumors on Wall Street and among our investors. After Lenny...after what happened, the FBI became involved."

Grace's eyes widened. "The FBI FBI? Why? What sort of rumors?"

"Lenny was a b-brilliant man. An uncannily shrewd investor. One of the reasons for Quorum's success is that he never d-divulged his strategy. Like most of the best hedge fund managers, his model was a c-closely guarded secret."

Grace nodded. "He told me it was like inheriting your grandmother's recipe for spaghetti sauce. Everyone who eats it tries to figure out the secret ingredient, but you can never tell."

"Exactly." John Merrivale smiled. She really is a child. She really is a child. "My job was to raise f-funds for Quorum. With Lenny's performance, that was easy. We were t-turning away money. It was Lenny's job to invest those funds. No one-n-not even me-knew exactly where he put the money. Until his disappearance, it had never really mattered." "My job was to raise f-funds for Quorum. With Lenny's performance, that was easy. We were t-turning away money. It was Lenny's job to invest those funds. No one-n-not even me-knew exactly where he put the money. Until his disappearance, it had never really mattered."

"But afterward?"