They went into the Polo Ralph Lauren shop, where Stone bought some extra underwear and socks, along with a spare cashmere sweater for the cool evenings he had not anticipated.

He followed Liz into a jewelry shop and looked at a Cartier Tank Francaise wristwatch, while she tried on a diamond bracelet.

“You like?” she asked, holding out her wrist.

“I like.”

“I like your watch, too.”

Stone gave it back to the saleslady. “It’s beautiful, but . . .” The “but” was twenty grand, he thought.

Liz bought the bracelet, which came to nearly thirty thousand dollars, Stone noted. “I’ll wear it for Thad, when he comes back,” she said.

“When is he coming back? He didn’t tell me.”

“Tomorrow or the next day, depending on how his business goes.”

“Don’t forget to call your insurance company to put the bracelet on your policy.”

“Thank you. I would have forgotten. I did call my bank about the settlement with the life insurance company. The funds will be wired to your bank today.”

“Good. I’d like to get that settled as soon as possible.”

“Me, too,” she said.

“I’ll call my office when we get back to the yacht.” As he spoke, he felt his cell phone vibrate in his pocket. “Excuse me,” he said, answering it. “Hello?”

“Hi, it’s Joan.”

“How are things in the big city?”

“Running smoothly. The bank called. Mrs. Harding’s money is in your trust account. You want me to complete the transaction with the insurance company?”

“Please.”

“I’ll get the wire off now, and we should have a confirmation today, I expect.”

“Great. What else is happening?”

“One or two calls; I put them off. When are you coming back?”

“Thad Shames has asked me to stay on a few days. I’ll let you know later in the week.”

“Okay. Remember, sunshine causes skin cancer.”

“Thanks for reminding me.” He punched off and turned to Liz. “The money’s on its way to the insurance company.”

“Wonderful. Can I buy you lunch to celebrate? We can go back to Renato’s.”

“Sure. I liked it there.”

They ate pasta and chatted. “Now that you’re going to be a truly free woman, what are your plans?” he asked.

“Well, I think that depends on how it goes with Thad,” she said. “So far, so good. He’s very sweet . . . and virile.” She smiled.

Stone laughed. “He’d have to be to keep up with you, as I recall.”

“We were quite something for a short time, weren’t we?”

“I guess we were, at that.”

“You were the first man I’d slept with besides Paul for a very long time, and I found the experience, well, liberating.”

“I’m glad.”

“I have the distinct impression that you’re liberating Callie Hodges, at the moment.”

“I didn’t say that,” he blustered.