“I may know someone who works there, or someone on the board,” I said patiently. “If I find I can’t ask a few questions very discreetly, I promise not to paw up the dirt. Okay? Anyway, it’s a pretty good bet that it’s Ironworkers Savings & Loan—that’s where everyone in the neighborhood has always gone.”

Her big eyes searched my face anxiously. “It is, Vic. But you have to promise, really promise, you won’t do anything that will jeopardize our mortgage. It would kill Ma if something like that happened now. You know it would.”

I nodded solemnly and gave my word. I didn’t think she was exaggerating the effect on Louisa of any kind of major disturbance. As I thought about Caroline’s frantic response to the threat on her mother, something else occurred to me.

“When Nancy was murdered you told the police I knew why she’d been killed. Why did you do that? Was it because you really wanted me to keep an eye on you and Louisa?”

She blushed violently. “Yes. But it didn’t do me any good.” Her voice was barely a squeak.

“You mean they did it? Cut off your mortgage?”

“Worse. They—they somehow figured out—I’d gone to you about her murder. They called me again. At least it was the same man. And said if I didn’t want to see Ma’s medical benefits cut off, I’d better get you away from South Chicago. So I was really scared then. I tried my best, and when this man called me back I told him—told him I couldn’t—couldn’t stop you, that you were on your own.”

“So they decided to stop me themselves.” My throat was dry; my own voice came out harshly.

She looked at me fearfully. “Can you forgive me, Vic? When I saw the news, saw what happened to you, it shattered me. But if I had to do it again, I’d have to do it the same way. I couldn’t let them hurt Ma. Not after everything she went through for me. Not with all her suffering now.”

I got up and paced angrily to the window. “Didn’t it occur to you, if you told me, I could do something about it? Protect her and you? Instead of running blind, so that I almost got killed myself?”

“I didn’t think you could,” she said simply. “When I asked you to find my father I was still imagining you were my big sister, that you could solve all my problems for me. Then I saw you weren’t as powerful as I’d imagined you to be. It was just, with Ma so sick and everything, I needed someone so badly to look after me, and I thought maybe you’d still be that person.”

Her statement dissipated my anger. I came back to the couch and smiled wryly at her. “I think you’ve finally grown up, Caroline. That’s what it is all right—no big people to clean up all the mess around us. But even if I’m not still the kid who could whip the neighborhood to save your butt, I’m not totally ineffective. I think it’s possible to tidy some of the garbage floating around on this one.”