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won’t be a later on, honey. They’re never going to let me out. I know the SEC intimately. They don’t tend to act unless they’re sure, because it’s their own hand in the drawer, if you follow me.”

      “OK, but they’re wrong, aren’t they?” In the distance, she heard a man yelling, his anger abruptly cut short by a door slamming. The hair on the back of her neck stood up.

      Jacob sighed. “Did you know your mother had two miscarriages before she had you?”

      Tears of frustration sprang to Charlotte’s eyes. “Why are you telling me this now, Dad? We need to get you out of here. Don’t you realize how much trouble you’re in?”

      He nodded. “I do. But maybe now that I’m here, I can focus on what’s important, which is telling you about your mother and how much she loved you. We tried for a long time to have children, you know. All she wanted was children, to be a mommy. We planned to have lots and lots of kids and go live on an island far away from this one. You and your brothers and sisters were going to run around barefoot all day, swimming in the ocean, wearing just flowers in your hair. It wasn’t supposed to end this way.”

      “Dad—”

      “Don’t interrupt, honey. She was pregnant again, finally, when the car accident happened. No one knew but me. We were going to tell everyone that weekend, but she didn’t make it. And the baby was so small there was no chance. Your brother or sister.” He sighed. “All gone.”

      Charlotte took a shuddering breath. Clearly, she needed some help here.

      Jacob just kept going. “And then Miss Millie came, and she took such good care of you, and Greta, of course, and work just didn’t make any sense anymore. What was the point, without her? I took advantage of something. A loophole. A small thing. I just didn’t care anymore, if they saw me do it. But they didn’t see me, so I did it again. It took on a life of its own, rolled on like a snowball, and years passed before I started to feel anything again. When I did, when I saw that if Jackie were here, she would hate what I had become, it was too late. I was lost.”

      Charlotte gazed at him in horror. Was he confessing? “Shh, Dad, never mind. It doesn’t matter now. Let me get Arthur, we can talk when he gets here, OK?”

      She suddenly realized that if they were listening to this, which presumably they were, then without Arthur present, they could use it against her father, as evidence. Right? She stood and banged on the mirror.

      “Mr. Scarsford, my father would like his lawyer, please.” A pause.

      Jacob was still talking, as if she were still sitting across from him. “Your mother just wanted a simple life, Charlotte. She just wanted to be happy and quiet with her children. She would be so proud of you, of what you’ve become.”

      “And what’s that, Dad? A spoiled young woman?”

      He laughed.

      Scarsford came in. “Mr. Bedford is on his way, Miss Williams. The more your father can tell us, the more we can help him.”

      Charlotte snorted. “Mr. Scarsford, please.”

      Jacob looked up at them. “You’re not spoiled, Charlotte. There’s still time for you to have the life you want to have, that your mother would have wanted you to have. You should leave Manhattan, though. It’s not a very easy place to keep things simple. Things have a way of getting out of hand.”

      “Things like what, Mr. Williams? Things like the fund?” Scarsford had moved into the room.

      “Don’t answer that, Dad. Mr. Scarsford, please leave the room. I have asked for counsel, and this conversation is over.”

      “It seemed like a small thing at the beginning, Charlie. Just a quick thing that didn’t seem to hurt anyone.”

      Charlotte was starting to cry, her body shaking uncontrollably. Where was Arthur? “Shh, Daddy, don’t talk now. We’re waiting for Arthur, OK?”

      Jacob smiled up at her, just as he always had. “Honey, it’s too late for Arthur. It’s not his fault.” He reached up and stroked

      the side of her face. “You look like your mom, did I tell you that?”

      Charlotte sobbed. “Yes, Daddy, you told me that.”

      And then she took his head in her arms and held him tightly, as he started to sob himself. “It was just a small thing, Jackie, just a small thing. I’m so sorry, Jackie.”

      Charlotte held on tight and waited for the lawyer.

       Chapter TEN

      After that, things got even worse. Jacob had cried for a while and then fallen silent and sullen, refusing to talk even to Charlotte. Arthur had ordered the investigators from the room.

      “I think it’s clear your father is in shock, Charlotte. I think we should have him looked at by a doctor.”

      Charlotte felt as if she herself could use some medical attention, or at least a Xanax or three, but she pushed it down. “Will it be someone we know or someone they bring?”

      Arthur frowned. “I’m not sure.”

      In the end, the investigators allowed Jacob’s own doctor to attend him, and once Dr. Levinger was finished, they allowed him to transport Jacob to a hospital for further evaluation.

      Mallory was brusque. “Mr. Bedford, if this is your client’s attempt to escape prosecution by feigning illness, then you should advise him that it hasn’t worked for organized crime, and it won’t work for him.”

      Arthur was starting to get his confidence back, now that his own shock was receding. He looked down his nose at the policeman. “Good grief, Detective, there’s no need to be rude. Mr. Williams has suffered a great shock, and the doctor merely wishes to ensure that there isn’t anything else going on. If he collapses while in your care, it wouldn’t look very good for you, would it?”

      Mallory said nothing for a moment, then, “I’m not sure you realize how angry people are about this. If I let him leave the building unguarded, he might not make it to the sidewalk.”

      Charlotte went pale. “What are you talking about? What people?”

      “The people whose money he stole, Miss Williams. Did you think it was all faceless corporations and big banks? No, he took the life savings of couples who’d planned to retire, who’d worked all their lives and were finally about to be able to rest. He took the nest eggs of families with children. He took whatever he wanted, Miss Williams, and people tend to look askance at that kind of greed.”

      “You’re wrong about him,” Charlotte said, although inside she was feeling less sure. Her father had seemed so happy and normal and confident only the other night. Was it possible that everything she took for granted, everything she thought was certain, was actually a total lie? She’d have broken down if she’d had any tears left.

      WHEN THEY LEFT the building, her father in a wheelchair, his doctor at his side, she saw firsthand what Mallory had been talking about.

      “There he is, there’s Williams!” A small crowd surged forward, their faces twisted with rage. “You thief!”

      Charlotte made eye contact with one woman, a normal-looking woman in her early forties maybe.

      “You bitch!” the woman cried. “Your father stole everything I ever worked for. He’s a fucking thief, and I hope he dies in jail, and you, too, you whore!”

      Charlotte faltered a little, feeling as if she’d been physically assaulted. As she paused, she felt a hand on her elbow, guiding her, and she managed to keep going. As she passed the woman, she felt wetness on her face—the woman had spat on her. Charlotte stumbled, but the hand on her elbow was strong and kept her going.

      “Don’t

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