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that Gabriel Knacker had provided his son was a trip to Kenya when Shep was sixteen. Through the aegis of a Presbyterian exchange program, the Reverend had accepted a temporary teaching position at a small seminary in Limuru, an hour’s drive from Nairobi, and had brought his family along. To Gabe Knacker’s despair, what made the most intense impression on his son wasn’t his seminary students’ fervent embrace of the Gospel, but grocery shopping. On their first outing for provisions, Shep and Beryl had trailed their parents to the local market stalls for papayas, onions, potatoes, passion fruit, beans, zucchini, a scrawny chicken, and a great slab of beef of an undifferentiated cut: in all, enough provender to fill five string bags to their maximum capacity. Always fiscally minded – one of his father’s objections still was that his son thought too much about money – Shep converted the shillings in his head. The entire haul had cost less than three dollars. Even in 1972 currency, for more than a week’s supplies that was chump change.

      Shep had expressed dismay at how any of these traders could turn a profit with such miserable prices. His father was keen to emphasize that these people were very poor; swaths of this benighted continent lived on less than a dollar a day. Yet the Reverend did allow that African farmers could charge pennies for their produce because they counted their expenses in pennies as well. Shep had been familiar with economies of scale; this was his first introduction to the scale of economies. So a dollar’s value wasn’t fixed but relative. Back in New Hampshire, it would buy a box of paper clips; in the Kenyan countryside, an entire secondhand but perfectly serviceable bike.

      “So why don’t we take our savings and move here?” he’d asked as they lugged their shopping down a farmland path.

      In a rare softening, Gabe Knacker had clapped his son’s shoulder and gazed across the verdant coffee fields bathed in lambent equatorial sun. “Sometimes I wonder.”

      Shep wondered, too, and he’d kept wondering. If you could at least survive in places like East Africa on a dollar a day, how well could you live for more like twenty bucks?

      In high school, Shep had already been hungry for direction. Much like Zach, alas, in his studies he was competent at every subject, but distinguished at none. In an age that increasingly valued mastery of the abstract – the befuddling world of “information technology” was only a decade away – Shep preferred tasks whose results he could grasp in both his head and his hands: replacing a rickety banister. But his father was an educated man, and didn’t expect his son to work construction. With that heart of water, Shep was never a rebellious kid. Given his penchant for making and fixing things, a degree in engineering had seemed apt. As he’d assured his father many times since, he’d really, really intended to go to college.

      Yet meanwhile that whimsy first conceived in Limuru had consolidated to firm resolve. Saving may have gone out of fashion, but surely a middle-class American income still allowed for salting something away. Thus with the application of industry, thrift, and self-denial – once the country’s moral mainstays – it should be possible to inflate a robin-sized nest egg to the dimensions of an ostrich ovum merely by hopping a plane. The Third World was running a sale: two lives for the price of one. Ever since coming of age, Shep had dedicated himself to the realization of the second. He was not even sure you called it industry, when you were working so hard only that you might stop working.

      So with an eye to his true purpose – money – Shep had instinctively gravitated to where America kept most of it, and applied to the City College of Technology in New York. For while Gabe Knacker faulted the character of his son “the philistine” for his worship of the false god Mammon, Shep believed fervently that money – the web of your fiscal relationships to individuals and to the world at large – was character; that the surest test of any man’s mettle was how he wielded his wallet. Thus a decent, capable kid didn’t tap a father’s measly salary as a small-town minister (an injunction to which Beryl would prove oblivious when blithely expecting their dad to pay for her film degree at NYU four years later). Ever since earning his first five dollars from shoveling snow at the age of nine, Shep had always paid up front, be it for an Almond Joy or an education.

      Thus determined to work beforehand and finance his own degree, he’d delayed his acceptance at City Tech in downtown Brooklyn and found a one-bedroom nearby in Park Slope, which – hard as it was to remember now – was a dodgy area in those days, and dirt cheap. The area’s housing stock was run down, and full of families in need of small repairs but unable to afford the larcenous rates of unionized tradesmen. Having mastered a variety of rudimentary wiring and carpentry skills while helping to maintain his own family’s eternally crumbling late-Victorian in New Hampshire, Shep posted flyers in convenience stores, advertising his services as an old-fashioned handyman. Word of mouth spread quickly about a young white kid who could replace washers and rotten floorboards for a modest fee, and in short order he had more work than he could handle. By the time he’d delayed entry into City Tech for a second year he’d incorporated, and “Knack of All Trades” was already contracting out for part-time help. Two years after that, Shep took on his first full-time employee. A harried entrepreneur enjoyed little free time, and besides, Shep had just got married. So in the service of sheer efficiency, Jackson Burdina doubled, then as now, as his best friend.

      It was still a sore point with Shep’s father that his son never went to college, which was ludicrous; Knack of All Trades had expanded and flourished without any benedictory piece of paper. The real problem was that Gabriel Knacker had little regard for manual labor – unless it involved digging wells for impoverished villagers in Mali with the Peace Corps, or patching a pensioner’s shingles out of the kindness of your heart. He had no use for commerce. Any activity that could not trace its lineage directly to virtue was destitute. The fact that if everyone devoted himself solely to goodness for its own sake the whole world would come to a skidding halt didn’t faze the guy a whit.

      Up until a little over eight years ago, Life A had had its merits, and Shep hadn’t regarded himself as sacrificing his prime for pie in the sky. He’d always liked physical toil, relishing a distinctive kind of tired you got not from the gym but from building bookshelves. He liked running his own show, answering to no one. Glynis may have turned out to be a handful, and might not have described herself as happy in the big picture, but it was probably safe to say that she was happy with him – or as happy as she was going to get with anybody, which wasn’t very. He was glad when she got pregnant with Amelia right away. He was in a hurry, anxious to rush through a whole life in half the time, and he’d have far preferred that Zach had been born pronto and not ten years later.

      As for The Afterlife, Glynis had seemed onboard when they met. His status as a man with a mission surely attracted her to him in the first place. Without his vision, without the ever more concrete edifice of Life B rising in his head, Shep Knacker was one more small businessman who’d found a niche market: nothing special. As it was, picking a new target country for every summer’s research trip had been an invigorating ritual of their marriage. They were, or so he’d thought until this last year’s dawning apprehension, a team.

      So when he got the offer to sell up in November 1996, it was irresistible. A million dollars. Rationally he recognized that a mil wasn’t what it once was, and that he’d have to pay capital gains. Still, the sum had never lost the awesome roundness of childhood; no matter how many other ordinary folks also became “millionaires,” the word retained a ring. Combined with the fruits of lifelong scrimping, the proceeds from selling Knack would furnish the capital to cash out and never look back. So never mind that the purchaser – an employee so lazy and sloppy that they’d been on the verge of firing the guy before, surprise, he comes into his trust fund – was a callow, loudmouthed, ignorant twit.

      Who was now Shep’s boss. Oh sure, it had seemed to make sense at the time to sign on as an employee of what had been his own company – renamed overnight “Handy Randy,” a moniker not only tacky but inaccurate, since Randy Pogatchnik was anything but handy. The initial idea had been to hang on for a month or two while they packed, sold off their motley possessions, and located at least a temporary house in Goa. Meantime, they wouldn’t spend down their capital, which Shep sank into can’t-lose mutual funds to fatten before slaughter; the Dow was effervescent.

      “A month or two” had now stretched into

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