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THE WEATHER WAS CHANGING, BECOMING SHARPLY cooler. The morning sun had given way to clouds, and by eleven the sky was bleak and gray.

Neil and his father sat on the two upright wooden chairs that, along with a secretary’s desk and chair, were the sole furnishings in the reception area of Douglas Hansen’s office.

The one employee was a laconic young woman of about twenty who disinterestedly informed them that Mr. Hansen had been out of the office since Thursday afternoon, and that all she knew was that he had said he would be in by about ten today.

The door leading to the inside office was open, and they could see that that room appeared to be as sparsely furnished as the reception area. A desk, chair, filing cabinet, and small computer were all they could see in it.

“Doesn’t exactly look like a thriving brokerage firm,” Robert Stephens said. “In fact, I’d say it looks like more of a setting for a floating crap game—set up so you can get out of town fast if someone blows the whistle.”

Neil found it agonizing to have to simply sit there, doing nothing. Where is Maggie? he kept asking himself.

She’s alive, she’s alive, he repeated with determination. And I’m going to find her. He tried to concentrate on what his father was saying, then replied, “I doubt he shows this place to his potential clients.”

“He doesn’t,” Robert Stephens answered. “He takes them to fancy lunches and dinners. From what Cora Gebhart and Laura Arlington told me, he can put on the charm, although they both said he sounded very knowledgeable about investments.”

“Then he’s taken a crash course somewhere. Our security guy who ran the check on him told me that Hansen’s been fired from two brokerage houses for just plain ineptitude.”

Both men spun their heads sharply as the outer door opened. They were just in time to catch the startled expression on Douglas Hansen’s face when he saw them.

He thinks we’re cops, Neil realized. He must already have heard about his uncle’s suicide.

They stood up. Robert Stephens spoke first. “I represent Mrs. Cora Gebhart and Mrs. Laura Arlington,” he said formally. “As their accountant, I’m here to discuss the recent investments you purport to have made for them.”

“And I’m here to represent Maggie Holloway,” Neil said angrily. “Where were you last night, and what do you know about her disappearance?”