California Fidelity Insurance is a small company that handles and some commercial lines, with branches in San Francisco, Pasadena, and Palm Springs. Santa Teresa is the home office, occupying the second floor of a three-story building on State Street, which cuts straight through the heart of town. My corner consists of two rooms – one inner, one outer – with a separate entrance. Early in my career, I worked for CFI, doing insurance investigations on fire and wrongful-death claims. Now that I'm out on my own, we maintain a loose association. I cover certain inquiries for them every month in exchange for office space.

I let myself into the office now and checked the answering machine. The light was blinking, but the tape was blank except for some hissing and a couple of high-pitched beeps. For a while, I had a live answering service, but the messages were usually botched. I didn't think prospective clients were that keen to confide their troubles to some twenty-year-old telephone operator who could barely spell, let alone keep the numbers straight. An answering machine is irritating, but at least it tells the caller than I am female and I pick up on the second ring. The mail wasn't in yet, so I went next door to talk to Vera Lipton, one of the California Fidelity claims adjusters.

Vera's office is located in the center of a warren of cubicles separating adjusters. Each small space is equipped with a desk, a rolling file, two chairs and a telephone, rather like a little bookie joint. Vera's niche is identifiable by the pall of smoke hovering above the shoulder-high partitions. She's the only one in the company who smokes and she does so with vigor, piling up stained white filter tips like ampules of distilled nicotine. She's also addicted to Coca-Cola and she usually has a row of empty bottles marching around her desk, accumulating them at the rate of one every hour. She's thirty-six, single, and she collects men with ease, though none of them seems to suit her. I peered into her cubicle. "What'd you do to your hair?" I asked when I caught sight of it.

"I was up all night. It's a wig," she said. She stuck a fresh cigarette between her teeth, biting gently while she lit up. I've always admired her smoking style. It's jaunty and sophisticated, dainty and tough. She pointed to the wig, which was streaked with blond, a wind-blown effect.

"I'm thinking of dyeing my hair this shade. I haven't been a blond for months."

"I like it," I said. Her usual color was auburn, a mix of several Clairol offerings that varied in hues from Sparkling Sherry to Flame. Her glasses today had tortoiseshell rims and big round lenses tinted the color of iced tea. She wore glasses so well it made other women wish their eyesight would fail.

"You must have a new man in your life," I said.