But Jonathan Lauer didn’t hear the sound of brakes.

He heard something else.

Something crazy, his annoyance twisting into something else. Something horrifying, as the SUV’s grille came closer and closer.

He heard acceleration.

CHAPTER TWENTY-SIX

Over the next few days, Karen must have watched that two-second clip a hundred times.

Horrified. Confused. Unable to comprehend what she was seeing.

The face of the man she had lived with for eighteen years. The man she’d mourned and missed and cried over. Whose pillow she still sometimes crept over to at night and hugged, whose name she still whispered.

It was Charlie, her husband, caught in an unexpected freeze-frame as the camera randomly swept by.

Outside Grand Central. After the attack.

How the hell can that be you, Charlie…?

Karen didn’t know what to do. Whom she could possibly tell? She went for a jog with Paula out on Tod’s Point, and listened to her friend going on about some dinner party she and Rick had attended, at this amazing house out on Stanwich, when all the while she just wanted to stop. Face her friend. Tell her: I saw Charlie, Paula.

The kids? It would shatter them to see their father there. They would die. Her folks? How could she possibly explain? Until she knew.

Saul? The person he owed everything to. No.

So she kept it to herself. She watched the captured moment, over and over, until she was driving herself crazy. Confusion hardening into anger. Anger into hurt and pain.

Why? Why, Charlie? How can that be you? How could you have done this to us, Charlie?

Karen went over what she knew. Charlie’s name had been on the Mercedes dealer’s transit sheet. They had found the remnants of his briefcase blown apart, the charred slip of paper from his notepad she had received. He’d called her! 8:34. It didn’t make any sense to Karen.

He was there on that train!

At first she tried to convince herself that it couldn’t be him. He would never, ever do this to her. Or to the kids. Not Charlie… And why? Why? She stared at him. People look alike. Eyes, hopes-they can play crazy tricks. The picture was a little fuzzy. But every time she went back to that screen, replayed the image she had saved for maybe the thousandth time-there it was. Unmistakable. The sweats coming over her. Accusation knifing up in her belly. Her legs giving out like jelly.

Why?

Days passed. She tried to pretend to be herself, but the experience made her so sick and so confused, all Karen could do was hide in her bed. She told the kids she had come down with something. The anniversary of Charlie’s death. All those feelings rushing back at her. One night they even brought dinner up to her. Chicken soup they had bought at the store, a cup of green tea. Karen thanked them and looked into their bolstering eyes. “C’mon, Mom, you’ll be fine.” As soon as they left, she cried.

Then later, when they were asleep or at school, she’d go around the house, studying her husband’s face in the photos that were everywhere. The ones that meant everything to Karen. All she had. The one of him in his beach shirt and Ray-Bans that they’d blown up for the memorial. Of him and Karen dressed in black tie at her cousin’s wedding. The personal items she had never cleared off his dresser in his closet: business cards, receipts, his watches.

You couldn’t do this to me, could you, Charlie? To us…

Not you…

It had to be some kind of coincidence. A freakish one. I trust you, Charlie… I trusted you in life, and I’m goddamned going to trust you now. In a million years, he would never hurt her this way.

Karen kept coming back to the one thing she still had of him. The torn sheet from his notepad someone had found in Grand Central. From the Desk of Charlie Friedman.

She felt him there. Trust had to win out here. The trust of eighteen years. Whatever she saw on that screen, she knew damn well in her heart just who her husband was.

For the first time, Karen looked at the note sheet. Really looked at it. Not just as a keepsake. Megan Walsh. The random name scrawled there in Charlie’s barely legible script. The scribbled phone number: 964-1650. And another number, underlined in his bold, broad strokes:

B1254.

Karen closed her eyes.

Don’t even go there, she admonished herself, suspicion snaking through her. That wasn’t Charlie. It couldn’t be.

But suddenly Karen stared wide-eyed at the scribbled numbers. The doubts kept tearing at her. Seeing his face up on that screen. It was like a piece of his past, a link to him-the only link.

Crazy as it is, you’ve got to go ahead and call, Karen.

If only to stop yourself from totally going insane.

CHAPTER TWENTY-SEVEN

It took everything Karen had to do it.

In a way it made her feel like she was cheating on him, on his memory. What if that wasn’t even him up on that screen? What if she was making all this up, over someone who simply looked like him?

Her husband had been dead for over a year!

But she dialed, secretly praying inside that the number wasn’t to some hotel and B1254 a room there, and this was how she would have to think of him. The weirdest doubts crossed Karen’s mind.

“JP Morgan Chase. Fortieth and Third Avenue branch,” a woman on the line answered.

Karen exhaled, relief mixed with a little shame. But as long as she’d gone this far, she might as well go all the way. “I’d like to speak with Megan Walsh, please.”

“One moment, please.”

It turned out Megan Walsh was the manager in charge of the Private Banking Department there. And after she’d explained that her husband was now deceased and that Karen was the sole beneficiary of his estate, B1254 turned out to be a safe-deposit box that had been opened at the branch a year before.

In Charlie’s name.

Karen drove into town the following morning. The bank was a large, high-ceilinged branch, only a few blocks from Charlie’s office. Megan Walsh was an attractive woman in her thirties, with long dark hair and dressed in a tasteful suit. She took Karen back to her cubicle office along a row with the other managers.

“I remember Mr. Friedman,” she told Karen, her lips pressed tightly in sympathy. “I opened the account with him myself. I’m very sorry for your loss.”

“I was just piecing through some of his things,” Karen said. “This wasn’t even listed as part of his estate. I never even knew it existed.”

The bank manager perused Karen’s copy of Charlie’s death certificate and the letter of execution from the estate. She asked her a couple of questions: First, the name of their dog. Karen smiled. (It turned out he had listed Sasha.) His mother’s maiden name. Then she took Karen back into a private room near the vault.

“The account was opened about eighteen months ago, last September.” Ms. Walsh handed Karen the paperwork. The signature on the box was plainly Charlie’s.

Probably just business stuff, Karen assumed. She’d see what was in there and turn whatever it was over to Saul.

Megan Walsh excused herself and returned shortly with a large metal container.

“Feel free to take as much time as you need,” she explained. She placed it on the table, unlocking the clasp in Karen’s presence with her own duplicate key. “If there’s anything you need, or if you’d care to transfer anything into an account, I’ll be happy to help you when you’re done.”

“Thank you.” Karen nodded.

She hesitated over it for a few moments, after the door had closed and she was left alone with this piece of her husband he had never shared with her.

There was the shock of seeing his face up on that screen. Now this box that had never been mentioned as part of the estate or even come up in any of Charlie’s business files. She ran her hand a little cautiously along the metal sides. What could he be keeping from her in here?