LITMIR.BIZ

      Come now, and let us reason together,

       says the Lord, Though your sins are as scarlet, They will be as white as snow; Though they are red like crimson, They will be like wool.

      —Isaiah 1:18

      To my big sis, who has been there through all those

       dark nights that seemed endless.

      CONTENTS

      CHAPTER ONE

      CHAPTER TWO

      CHAPTER THREE

      CHAPTER FOUR

      CHAPTER FIVE

      CHAPTER SIX

      CHAPTER SEVEN

      CHAPTER EIGHT

      CHAPTER NINE

      CHAPTER TEN

      CHAPTER ELEVEN

      CHAPTER TWELVE

      CHAPTER THIRTEEN

      CHAPTER FOURTEEN

      CHAPTER FIFTEEN

      CHAPTER SIXTEEN

      CHAPTER SEVENTEEN

      CHAPTER EIGHTEEN

      CHAPTER NINETEEN

      CHAPTER TWENTY

      CHAPTER TWENTY-ONE

      CHAPTER TWENTY-TWO

      CHAPTER TWENTY-THREE

      CHAPTER TWENTY-FOUR

      CHAPTER TWENTY-FIVE

      CHAPTER TWENTY-SIX

      CHAPTER TWENTY-SEVEN

      QUESTIONS FOR DISCUSSION

      ONE

      She pressed down the fear. It was all a mistake, a terrible dream from which she’d awaken any moment. The crowded terminal of San Francisco International Airport was filled with people, talking on cell phones and checking flight information. In spite of the crowd, Jackie felt utterly alone as she stood in a corner near the busy ticket counters. Her phone rang. She jumped and clutched at it. “Hello?”

      “Did you get a flight out?”

      “Asia?” She hardly recognized her friend’s voice. “I’m at the airport now but I’ve changed my mind. This is nuts. We can’t run away. If Dr. Reynolds is guilty, we’ve got to stand our ground and prove it.”

      “Are you crazy?” Asia hissed. “You know Mick got jumped on his way over here after he called his friend in the police department. Reynolds has paid them off.”

      Jackie pressed the phone tightly to her ear. “There’s got to be a mistake.”

      Asia’s voice rose an octave. “Dr. Reynolds doesn’t have the clout to buy off the police on his own. He’s selling his patients’ information to a crime ring. The errors are too widespread to be the work of one person. I should have seen it before.”

      Jackie tried to control her own panic. “We’ve both got to calm down. Where are you? Did you get Mick to a hospital?”

      “I’m waiting for him at the clinic now. He’s in a lot of pain. As soon as he can travel, we’re gone.” There was a sound of voices in the background. Asia spoke in a whisper. “You’ve got to get out of there, Jackie. Dr. Reynolds has men looking for us. They’re trying to keep us quiet any way they can.”

      Jackie jerked around, scanning the crowd, and scooted into a farther corner.

      Asia had been poring over the computer accounts in the darkened office, hours after closing time, downloading information to a thumb drive. Asia’s boyfriend Mick who worked on the imaging equipment was there too, sipping coffee. Asia had just begun to explain why she’d summoned Jackie at such a late hour when Dr. Reynolds appeared, briefcase in hand. His wide forehead creased in suspicion.

      “What are you three doing here? What are you downloading?”

      Asia stood, facing him. “Dr. Reynolds, there are payments coming in for treatments we never provided. Addresses and personal information for our patients have been altered too.”

      The doctor’s face purpled. “I’ve been watching you poking around, sticking your nose into things. What exactly are you saying?”

      Mick stepped forward. “That you’re guilty of fraudulent billing.”

      “It’s more than that,” Asia said, a tremor in her voice. “It’s too widespread. You’re working for somebody who does this on a large scale. ”

      Jackie watched in horror as Dr. Reynolds’s face twisted in rage. “How dare you.” Spittle flew from his mouth. “I’ll ruin you. All of you.” He spun around and ran from the room towards the back office.

      At Asia’s urging, Jackie had snatched the thumb drive and crammed it in her pocket before Mick dragged both of the shocked women to the parking lot. “Go. Now. He keeps a gun in his office, I’ve seen it.”

      They raced to Jackie’s car.

      Mick kissed Asia. “Go to the coffee shop. Wait for my call.”

      Asia’s eyes filled. “Where are you going?”

      “I have a friend at the S.F. P.D. I’m going to contact him. I’ll meet you. It will be okay.”

      But it wasn’t. He’d returned bloodied and battered.

      “I was jumped. They wore masks but I recognized one. He’s a cop. Reynolds must have bought them off.”

      Asia had taken Mick to the nearest clinic, promising to meet Jackie at the airport.

      “Listen, I’ve been keeping detailed notes on all the inconsistencies I’ve found.” Asia started to talk faster. “I contacted someone who used to work for Dr. Reynolds at his office in Thousand Oaks. She’s looking too. You’ve got to give me and Mick some time. We’ll call you as soon as we can. Just get away somewhere, anywhere.” The phone disconnected.

      Jackie’s breath seemed to form hard crystals in her lungs. Mick beaten? Dirty cops? Crime rings? The whole thing was absurd. She quickly dialed her friend Patti’s cell number.

      “Hey, Jackie. You’re out of milk. I came to borrow

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