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She opened five numbered accounts, which she could access via the Internet and which were owned by an apparently anonymous post-office-box company in Gibraltar. A broker had set them up for her for 50,000 kronor of the money she had borrowed from Blomkvist. She cashed in fifty of the bonds and deposited the money in the accounts. Each bond was worth the equivalent of one million kronor.

Her business at the Bank Dorffmann also took more time than expected, so now she was even more behind on her schedule. She had no chance to take care of her final transactions before the banks closed for the day. So Irene Nesser returned to the Matterhorn Hotel, where she spent an hour hanging around to establish her presence. But she had a headache and went to bed early. She bought some aspirin at the front desk and ordered a wake-up call for 8:00 a.m. Then she went back to her room.

It was close to 5:00 p.m., and all the banks in Europe were closed for business. But the banks in North and South America were open. She booted up her PowerBook and uplinked to the Net through her mobile. She spent an hour emptying the numbered accounts she had opened at Bank Dorffmann earlier in the day.

She divided the money up into small amounts and used it to pay invoices for a large number of fictional companies around the world. When she was done, the money had strangely enough been transferred back to the Bank of Kroenenfeld in the Cayman Islands, but this time to an entirely different account than the one from which it had been withdrawn earlier that day.

Irene Nesser considered this first stage to be secure and almost impossible to trace. She made one payment from the account: the sum of nearly one million kronor was deposited into an account linked to a credit card that she had in her wallet. The account was owned by Wasp Enterprises, registered in Gibraltar.

Several minutes later a girl with blonde page-boy hair left the Matterhorn by a door into the hotel bar. Monica Sholes walked to the Zimmertal Hotel, nodded politely to the desk clerk, and took the lift up to her room.

There she took her time putting on Monica Sholes’ combat uniform, touching up her make-up, and applying an extra layer of skin cream to the tattoo before she went down to the hotel restaurant and had an insanely delicious fish dinner. She ordered a bottle of vintage wine that she had never heard of before though it cost 1,200 kronor, drank one glass, and nonchalantly left the rest before she went into the hotel bar. She left absurd tips, which certainly made the staff notice her.

She spent quite a while allowing herself to be picked up by a drunk young Italian with an aristocratic name which she did not bother to remember. They shared two bottles of champagne, of which she drank almost one glass.

Around 11:00 her intoxicated suitor leaned forward and boldly squeezed her breast. She moved his hand down to the table, feeling pleased. He did not seem to have noticed that he was squeezing soft latex. At times they were so loud that they caused a certain amount of irritation among the other guests. Just before midnight, when Monica Sholes noticed that a hall porter was keeping a stern eye on them, she helped her Italian boyfriend up to his room.

When he went to the bathroom, she poured one last glass of wine. She opened a folded piece of paper and spiked the wine with a crushed Rohypnol sleeping tablet. He passed out in a miserable heap on the bed within a minute after she drank a toast with him. She loosened his tie, pulled off his shoes, and drew a cover over him. She wiped the bottle clean, then washed the glasses in the bathroom and wiped them off too before going back to her room.

Monica Sholes had breakfast in her room at 6:00 and checked out of the Zimmertal at 6:55. Before leaving her room, she spent five minutes wiping off fingerprints from the door handles, wardrobes, toilet, telephone, and other objects in the room that she had touched.

Irene Nesser checked out of the Matterhorn around 8:30, shortly after the wake-up call. She took a taxi and left her luggage in a locker at the railway station. Then she spent the next few hours visiting nine private banks, where she distributed some of the private bonds from the Cayman Islands. By 3:00 in the afternoon she had converted about 10 percent of the bonds into cash, which she deposited in thirty numbered accounts. The rest of the bonds she bundled up and put in a safe-deposit box.

Irene Nesser would need to make several more visits to Zürich, but there was no immediate hurry.

At 4:30 that afternoon Irene Nesser took a taxi to the airport, where she went into the ladies’ room and cut up Monica Sholes’ passport into little pieces, flushing them down the toilet. The credit card she also cut up and put the bits in five different rubbish bins, and the scissors too. After September 11 it was not a good idea to attract attention by having any sharp objects in your baggage.

Irene Nesser took Lufthansa flight GD890 to Oslo and caught the airport bus to the Oslo train station, where she went into the ladies’ room and sorted through her clothes. She placed all items belonging to the Monica Sholes persona-the page-boy wig and the designer clothes-in three plastic bags and tossed them into three different rubbish containers and wastebaskets in the train station. She put the empty Samsonite suitcase in an unlocked locker. The gold chain and earrings were designer jewellery that could be traced; they disappeared down a drain in the street outside the station.

After a moment of anxious hesitation, Irene Nesser decided to keep the fake latex breasts.

By then she did not have much time and took on some fuel in the form of a hamburger from McDonald’s while she transferred the contents of the luxury leather briefcase to her travel bag. When she left, the empty briefcase remained under the table. She bought a latte to go at a kiosk and ran to catch the night train to Stockholm. She arrived as the doors were closing. She had booked a private sleeping berth.

When she locked the door to her compartment, she could feel that for the first time in two days, her adrenaline levels had returned to normal. She opened the compartment window and defied the no-smoking regulations. She stood there sipping at her coffee as the train rolled out of Oslo.

She ran through her checklist to be sure that she had forgotten no detail. After a moment she frowned and rummaged through her jacket pockets. She took out the complimentary pen from the Zimmertal Hotel and studied it for several minutes before she tossed it out of the window.

After fifteen minutes she crept into bed and fell asleep.

EPILOGUE: FINAL AUDIT

Thursday, November 27-Tuesday, December 30

Millennium’s special report on Hans-Erik Wennerström took up all of forty-six pages of the magazine and exploded like a time bomb the last week of November. The main story appeared under the joint byline of Mikael Blomkvist and Erika Berger. For the first few hours the media did not know how to handle the scoop. A similar story just a year earlier had resulted in Blomkvist being convicted of libel, and it had also apparently resulted in his being dismissed from Millennium. For that reason his credibility was regarded as rather low. Now the same magazine was back with a story by the same journalist containing much more serious allegations than the article for which he had run into so much trouble. Some parts of the report were so absurd that they defied common sense. The Swedish media sat and waited, filled with mistrust.

But that evening She on TV4 led off with an eleven-minute summary of the highlights in Blomkvist’s accusations. Berger had lunched with the host several days earlier and given her an advance exclusive.