"That's what Lia thought. You startin' to think she was right?"

"No."

"Didn't think so. Only money's the house, right? An' it goes to Kristin, and she our client, so we know she ain't guilty."

I'd had guilty clients in the past, but I didn't have one now. But how did we know the house was the only asset? And how did we know everything went to Kristin?

TWENTY-ONE

As before, she checked me out through the peephole before she opened the door. This time, though, I didn't have to show any ID. I introduced T J as my assistant, and he switched to the speech pattern that served him well on the Columbia campus. He was already dressed for the part.

She led us into the kitchen, and we all three took seats at the pine table. At first she was confused at the idea of a monetary motive for her parents' death. That had been the original line of thought, that the incident had been a burglary gone wrong, a burglary that turned spontaneously into something much worse.

But hadn't I explained that the burglary was only there to mask a purposeful murder?

"What I'm wondering," I said, "was if it could have been murder for gain. Who stood to gain financially from the death of your parents?"

"Well, I did," she said without hesitation. "I get pretty much everything."

"If it's all the same to you," I said, "I'm leaving you off the list of suspects."

She managed a smile.

"I assume you inherit the house," I said, "and I know it's a valuable piece of property." I didn't mention that her cousin Lia had already given us a rough appraisal. "Is that essentially the whole of the estate?"

"No, there's more. There's the contents of the house, the furniture, the paintings on the walls. And things like Mom's jewelry. Oh, you asked me to do something and I forgot. You wanted me to look through the goods the police returned and see if there's anything missing, and I just haven't gotten to it yet."

"There's no rush on that."

"I was going to do it, and then it slipped my mind. But there are so many other things in a house this size. I don't have any idea what it's all worth, though I think one or two of the paintings might be fairly valuable. I suppose I'll have to have everything appraised for estate tax purposes. Oh, I'm terrible. There's coffee, and some ginger ale in the fridge, and I think some beer." We said we'd pass, and she said, "Well, I could use some more coffee," and filled a cup for herself.

"Then there's my father's stock holdings," she said. "Well, they owned everything jointly, but he was the one who decided what to buy and sell. And there was also his retirement account. Together it comes to something like one and a half million dollars."

I wrote down: stock- 1.5 mil.

"Plus insurance," she said. "There was a million-dollar policy with my mother as the beneficiary, with me listed as contingency beneficiary, or whatever they call it. And there was another policy through the firm, slightly less, I believe the death benefit is eight hundred thousand. That was supposed to be three-fourths payable to my mother and one-fourth to me, but now it all comes to me. And there was a small policy, a hundred thousand dollars, payable to me. The big policy, the million-dollar policy, has a double indemnity clause in it, so that makes it worth, well, two million."

I wrote down: insurance- 3 mil.

"And debts?"

She shook her head. "Credit card balances. They don't amount to much, he paid everything off right away."

"A mortgage?"

"They paid it off years ago. The house is free and clear."

I wrote down: real estate- 3.5 mil.

"And there'll be something from the law firm," she said. "A share of the current cash assets, something. I don't know how it works." She looked at my notes, and I turned the pad so she didn't have to read upside-down. She said, "What is that, eight million dollars? I don't know what the rest adds up to, the artwork and jewelry, or what's coming from the law firm. Or what other assets they might have had that haven't come to light yet. There's a key to a safe-deposit box, but I haven't even gone yet to see what's in it. You have to open it in the presence of someone official. I don't know what's in it." She closed her eyes, and didn't say anything for a while. Then she opened them and said, "So I guess I'm rich."

"Bill Gates and Warren Buffett wouldn't think so. But a lot of other people would."

"I never thought of my parents as rich," she said reflectively. "I knew my father was well established, I knew he made a good living, I knew we were comfortable. But we weren't rich. The house, well, it was just the place we lived. It never used to be worth so much."

"No."

"And the stocks were savings, so that they could be comfortable when he retired. They were going to travel, they wanted to go everywhere." She set her jaw, stopped any tears that might have been about to flow. "And the insurance was in case anything happened to him, so that she would be able to maintain the same standard of living. So they really weren't rich. But for me to have all that money at my age- I guess I'm wealthy. Rich. I don't even know what to call it, but that's what I am."

"And it all comes to you?"

"Yes," she said. "Well, essentially all of it."

"Essentially?"

"One of my dad's partners went over the will with me. Except for a couple of small bequests, I'm the sole beneficiary."

"Do you remember any of the small bequests?"

"Well, let me think. I didn't pay close attention, and I don't have a copy of the will around. Is it important?"

"Probably not. Just tell me what you can remember."

"Well, there were about two or three dozen charitable bequests. Most of them were in the five-thousand-dollar range, but I think I remember twenty-five thousand each to the New York Philharmonic, Carnegie Hall, and the Met. The opera, I mean. The Metropolitan Museum was in the five-thousand range, along with MOMA and the Whitney and, oh, there were a lot of museum bequests."

It added up, and some of those outfits certainly pursue donations aggressively, but somehow I couldn't see any of them killing for it.

"And some charities," she went on. "Goddard-Riverside, the Coalition for the Homeless. Meals on Wheels."

"Any bequests to individuals?"

"Several small bequests of one or two thousand dollars. To the woman who cleans for us twice a week, to a nurse who took care of my grandmother toward the end. And some larger bequests to relatives." She named several, names I didn't know and didn't bother taking in, and then I snapped to when she said, "And twenty thousand dollars to my cousin Lia."

I thought T J might react visibly, but the street is a good teacher. I could only hope my face stayed as opaque as his. I said, "That's more substantial, isn't it? Were your parents particularly close to your cousin?"

"They added a codicil," she said. "Within the past year. Lia's a sweet kid, she's on full scholarship at Columbia, and my mother liked to have her over for dinner. Lia's mother and my mom were sisters, and Aunt Frankie made a really bad marriage and things never really went well for her. She and my mom pretty much lost touch, so with Lia here in New York, Mom welcomed the chance to do something for her. Plus Lia's really nice, so it was pleasant to have her around."

"So your father would have added the codicil…"

"I guess the idea was this'll be enough to see Lia through college. Her tuition and dorm rent was covered by the scholarship, but the kind of budget she was on, well, let's see, will I replace that worn-out pair of panty hose or will I have lunch?"

"So your mother was helping her out."

"Well, you know. 'Lia, this was on sale and I thought how nice it would look on you and I just couldn't resist it.' Or after dinner, 'Here, it's late, I insist you take a cab home,' and giving her twenty dollars, and how much is the cab going to run? Maybe eight dollars?"