“So what did they do?”

“At Jack’s insistence, the CEO and CFO at Primo convened a confidential meeting to consider the situation. It presented an unusual quandary, to say the least. People with that kind of money don’t just disappear without a trace. The in-house legal counsel told them Edith’s fate wasn’t their responsibility; she was a client, that’s all. The firm wasn’t her family. On the other hand, nearly half a billion of her money was in their hands.”

“So?”

“It presented what you might call a heartbreaking dilemma for the firm.”

“I don’t get it.”

“You see, Morgan, Edith left no will. No known survivors, nobody who cared about her. She was a legal orphan. But her fees to Primo by this time exceeded ten million a year.” As if Morgan missed the significance, Charles pointed out, “Ten million pays a lot of partner bonuses.”

“And where does Wiley come into this?”

“Well, no decision was made. Not then. The CEO and CFO said they wanted to wait a reasonable period to see if Edith showed up. As week after week passed, Jack was running around the firm loudly telling everybody how concerned he was about poor old Edith. He wanted her disappearance reported to the State Department, wanted the firm to hire a team of PIs to launch a hunt for her. The bigger the nuisance he made of himself, the more his CEO tried to ignore him.”

“Why?”

“Because, legally, Morgan, a person has to be missing three years before you get a presumption of death. Then, absent a will or any known heirs, the disposition of Edith’s fortune conveys to the government.”

“So Jack and the partners had a little difference of opinion.”

“Hardly ‘little,’ Morgan. Three years of billings meant thirty million, at a minimum. Throw in a little creative bookkeeping-after all, the client wasn’t paying attention-and it was a license to take a lot more. Why shouldn’t Primo squeeze a hundred million, or even two, out of the arrangement? Skim a bit off the top and call it a performance bonus. Who would ever know? Nobody would miss it. It was all going to disappear into the black hole of government coffers, after all.”

“Doesn’t sound like Jack did anything wrong.”

“You’re right, he looked like a perfect angel.”

It took a moment for it to settle in before Morgan said, “He was supposed to, wasn’t he?”

It wasn’t really a question.

Charles continued. “After a month, the CEO and CFO brought Jack back into the boardroom for another confidential chat. Just shut up, they told him-come in to work every day, send Edith her monthly allowance, invest the rest of the money, pretend everything’s normal. It would be well worth his while, they promised. An early partnership was a sure bet. They offered him an incredible bump in salary, as well as a piece of what they were already calling the Edith bonus.” Charles paused, then added, “In their minds, they were already spending Edith’s millions.”

“And he said yes, right? After all, Jack’s a smart boy.” By now, Morgan was hanging on every word. This was better than he had ever expected, so much more than he had ever imagined. Nothing like a tale of wickedness, graft, and avarice among the rich and powerful to brighten the day. It was worth sitting half naked in a cold men’s room listening to Charles drone on.

“He turned them down cold,” Charles said. “They were infuriated. In the moments after he left, they talked about reassigning him, or simply firing him. Picture it, Morgan. All that stood between them and Edith’s fortune was Jack.”

Morgan asked, “Then why didn’t they fire him?”

“Did I fail to mention the inconvenient stipulation in Edith’s contract?”

“I think you did.”

“Jack was her adviser and investment manager.” He emphasized, “Not the firm, just Jack. To move a dime of Edith’s money, his personal signature was required.”

“Sounds like Wiley had them by the short hairs.”

“You think so?”

“Sure. He could’ve held them up for millions.”

“You know what? The CEO and CFO thought so, too, and wondered why Jack didn’t do just that. It was a sure thing. Better yet, on the face of it, it broke no laws. It may have blurred every ethical boundary, but in theory at least, it would appear legal.”

“So why didn’t he?” Morgan asked.

After a moment, Charles asked, “What do you think?”

“He didn’t need it.”

“Okay, why not?”

“A good chunk of her money was already in his pocket.”

“You’re getting warmer.”

Morgan thought about it a moment longer. “No, that still doesn’t make sense.”

“Great. Why not?”

“Because they were offering him more money. More is always better.”

“Think harder, Morgan. Why not score a few more million? Better yet, why not join a scam that also incriminated his bosses?”

“Yeah, I see that. Even if they found out Jack was already stealing cookies from the jar, they couldn’t rat him out, because he would rat back on them, right?”

“It would be beautiful.”

“Then I don’t know.” After a moment he growled, “And I’m tired of playing this game.”

“You’re still not thinking like a thief. Put yourself in Jack’s shoes.”

“Because Jack had persuaded the old lady, Edith, to leave everything to him,” Morgan guessed.

Charles chuckled. “Jack wasn’t that charming.”

A long pause as Morgan considered more possibilities. The option that Jack was simply too moral and upright to engage in such unethical behavior had already been discarded. Why would he walk away from more millions? Then it hit him and Morgan almost squealed, “Wow.”

“That’s right, Morgan. Jack had a much more serious crime to worry about.”

“Murder.”

“Yes, murder. A much more dreadful secret to conceal. In fact, Edith never set foot on the boat. The real Edith disappeared three years earlier.”

Morgan began smiling to himself. “The nurse, right?”

“Definitely her,” Charles said very softly. “Before the cruise, you see, nobody on the ship had ever seen Edith in person. The business transactions had all been handled by Jack. They knew only what he told them. Edith was old, ill, wealthy, a widow. The nurse also happened to be quite old, white-haired, moderately educated. Any skilled forger could easily prepare the necessary documents, a passport, driver’s license, social security card. Lord knows, it was a simple impersonation to pull off. So, for three years the nurse doddered around the boat, pretended to be mildly senile, withdrew money by the armful, and lived the life.”

“Then one day she walked off the boat and skipped with almost twenty million in cash.”

“So it appeared.”

“Quite the scheme.”

“Yes, it was brilliant,” Charles said, sounding awed by the cleverness of it all. “A foolproof way to get around the firm’s very thorough safeguards.”

“So what did the firm do?”

“They had no choice. Jack was calling the shots.”

“What’s that mean?”

“They notified the American embassy about Edith’s disappearance and hired a Greek private detective agency to look into the situation.”

Charles paused for a moment to allow Morgan to catch up. It was a lot to absorb and he could almost hear Morgan’s circuits whirring.

“Know what I don’t get?” Morgan eventually said. “Why would Wiley want it looked into?”

“Think about it. It had to be done that way. She had to disappear and it had to look real. Then, by insisting on the investigation, Jack looked pure.”

“Yeah, that’s smart.”

“Too smart, in fact. He overlooked one thing. His partners got greedy.”

“They didn’t believe him, did they?”

“Nope, because they thought like crooks,” Charles said in an amused tone. “They found it impossible to believe anyone could be so saintly. How’s that for irony?”

“So what did they do?”

“Behind Jack’s back, they told the Greek PIs it smelled like an inside job. Based on that tip, the PIs worked backward. The plan only worked as long as everybody assumed it was Edith on that boat, Edith withdrawing the cash, Edith disappearing.”