Elaine said, "What happened?" and I was starting to tell her when the phone rang.

"Sorry," he said. "Listen, did Andy call you?"

"No," I said. "Why?"

"I didn't think he would. He said he wasn't going to, but I thought he might have changed his mind. But I guess he didn't."

"Michael…"

"I'm sorry, Dad. He's got himself in a mess, that's all. He wouldn't call you, and he didn't want me to call you, but I felt I had to."

"What kind of a mess?"

"There's no great way to say this. He took some money."

"Stole it, you mean?"

"Technically, yes. I don't think he thought of it that way, but when you take money from your employer that you can't pay back, I guess that's stealing."

A whole slew of questions came to mind. I reached out and picked one. "How much money?"

"Ten thousand dollars."

"From his employer."

"From the company he works for, yes."

"I don't even know who he works for," I said, "or what he does."

"They're an independent auto parts wholesaler. Andy's a sort of branch manager of the Tucson operation, services some accounts, does some back office work."

"It doesn't sound like a business that would handle much cash."

"No, it's all checks. The way he did it, I don't know the details, but he evidently set up some dummy accounts and cut company checks payable to them. Then he set up a bank account where he could deposit the checks, and wrote checks from that account and cashed them through his own account."

That's one way to do it, and it always works like a charm until they catch you.

"His boss found out, and- "

"They always do."

"I know, I can't believe he was that stupid. Anyway, his boss gave him a choice. If he pays the money back before the end of the month he'll let it go. Otherwise he'll press charges, and Andy'll go to jail."

"And ten thousand's the amount he took?"

"That's what it rounds off to, and that's what he has to pay back."

"And he called you asking for the money."

"I'm the one he calls," he said.

"This has happened before."

"Not exactly."

"Not exactly? Meaning what, it wasn't auto parts and it wasn't in Tucson?"

"It was never this serious. He calls me, I don't know, every once in a while. Once or twice a year, I guess. Whenever it's him on the phone, I know he's in some kind of a jam."

"Like what?"

"He's broke, he needs money, something didn't work out. His car died and he has to get it fixed. He borrowed money from people who break your legs if you don't pay. It's always something."

"I didn't know anything about this, Michael."

"No, I'm always the one he calls."

"And you bail him out?"

"Well, he's my brother."

"Sure."

"And, like I said, it was never this serious. It's usually a thousand dollars. Sometimes it's less, and the most it ever was was twenty-five hundred."

"He calls and you send the money. Does he ever pay you back?"

"Every once in a while I'll get a check or a money order in the mail, part of what he owes me. And he's very generous at Christmas. Since Melanie was born, there's always an expensive gift for her, at Christmas and on her birthday. But as far as how we stand, well, you don't like to keep accounts with your brother."

"But you have to know where you stand."

"Well, I keep track, you know?"

"What's he into you for?"

"Something around twelve thousand dollars."

"Twelve thousand," I said.

"I feel funny saying it. June doesn't know how much it comes to. She knows I give Andy money from time to time, but not what it adds up to."

"I had no idea. I knew he was drifting, taking his time finding himself, never staying in one place too long. But it sounds like he's a fuckup."

"He's Andy, Dad. He's charming, he's funny, everybody likes him. But yeah, I don't like to say it, but he's a fuckup."

"Where does it go, Mike? Gambling? Cocaine?"

"He was betting basketball games for a while, I remember that. But I don't think he's a serious gambler. I know he's done coke from something he said once, but just in the sense that he'll take some if he's out partying, more or less to keep going. I gather there are a lot of people who do that."

Otherwise all those other people wouldn't be getting rich selling it.

"He took the ten thousand because he had this investment opportunity. I forget what it was, some new business he could buy a half-interest in if he could come up with ten grand. As a matter of fact he called me, wanted me to invest in it. I didn't pay attention to the details because I never considered it for a minute. We don't have a lot of extra dough to invest, but when we do it goes in an index fund. No glamour there, but I like that a lot better than the idea of waking up one morning and the money's gone."

"He couldn't borrow from you, so he borrowed from his boss."

"That's how he saw it."

"And he made the investment?"

"No, the deal fell apart."

"And what happened to the money?"

"He pissed it away."

"Nice."

"He was depressed because he had high hopes, you know. He's always got high hopes. But he was down, so he got to drinking, and he decided he had to spend some money to cheer himself up. He took a girl to Cancún, he traded his car for a new one."

"And now he pays up or goes to jail."

"That's right."

"What did you tell him?"

"Dad, I didn't know what to tell him. 'Mikey, I swear this is the last time, I learned a big lesson here.' What am I supposed to say, you're full of shit and I know you're full of shit? 'Mikey, you'll get it back.' Yeah, right. I work my ass off, June works as hard as I do, we got the kid, we got the house…"

"I know."

"Could I give him ten grand? Yes, I could. I'd have to sell some securities, take out a loan, but I could do it. Am I going to?" He paused, as if considering the question anew. "I said it was too much. I said I could manage half of that."

"What did he say?"

"That wouldn't do it. His boss told him if he presses charges, then his insurance company covers the loss. So if the guy settled for half he'd have to eat a five-thousand-dollar loss, and he's not willing to do that. Andy said if all I can send him is half I should just wire it to him, because what he'll do is take the money in cash and run with it. I told him I didn't think that was such a good idea."

"It may be the worst idea he's ever had in his life," I said, "although I'm beginning to realize that covers a lot of ground. The last thing he wants to do is make himself a fugitive from justice."

"That's exactly what I told him."

"You say you're willing to send him half."

"Five thousand dollars. And I told him that's it, the well just ran dry. Next time you're in trouble, call somebody else."

I said, "When was your mother's funeral? Two weeks ago?"

"Something like that."

"He seemed the same as always. A little subdued, given the occasion, but not like somebody with this hanging over his head."

"That was before his boss figured out what was going on. Andy never expects trouble until he's in it. So he was feeling fine, and then he got back to Tucson and the roof fell in."

"And he called you."

"Uh-huh. Day before yesterday. I sat around all day trying to figure out what to tell him."

"Did you talk about it with June?"

"No. I called him and told him what I told you I told him, and I said he should call you for the other half of the money. And he said he didn't want to do that."

"So you're calling on his behalf."

"No, he didn't want me to call you. But I'm calling you anyway."

"And what do you want me to do?"

"I don't know."

"Of course you do. You want me to kick in the other half."

"I don't even know if that's true," he said. "Maybe that's what I want. Or maybe I want you to turn him down, so that I'm not the only one turning him down, you know? I don't want my brother to go to jail."