Holly opened her eyes and blinked rapidly. Tears streamed down her cheeks. It was the first time since she had been taken that she had been able to see, but she could only see straight ahead and down. She recognized the glasses immediately: They were “foggles,” which are used by student pilots in instrument training. They allow the student to see only the instruments in front of him and not out the windshield or to either side.

“The computer in front of you is already connected to the Internet,” the mechanical voice said. “I’m going to remove the tape from your mouth, and you will speak only to answer my questions. Clear?”

Holly nodded.

He ripped off the tape, and Holly worked her jaw and her lips for a moment.

“Now, we will open a bank account for me,” he said.

“What bank?” she asked.

“How do I choose?”

Holly went to Google and did a search for offshore banks. “Here’s a list,” she said. “You can open an account with any of them online.”

“The Malay Bank of Singapore,” he said, after a moment.

Holly went to the Malay Bank’s Web site and pulled up a form for opening a numbered account. “Who do you want to have access?” She pointed at a list of options.

“Choose ‘anyone with the account number and password.’”

Holly clicked on the correct option. “You need to specify a password of six to ten letters or numbers.”

He was silent for a moment. “PE65000,” he said.

She typed in the password, which appeared onscreen as only a series of asterisks, then typed it again for confirmation. The words Please Wait appeared on the screen and after half a minute, the message “Your account is provisionally open. A wire-transferred deposit of at least $10,000 must be received within twenty-four hours for the account to be permanently opened. You may change your password at any time by clicking on the ‘password change’ button and first entering your old password.” The new account number followed.

“Print that page,” the man said.

She printed the page.

“Now go to your bank account and make the wire transfer,” he said.

Holly went to her offshore bank’s Web site and began the process. She entered the wire-transfer instructions in the amount of $1,200,000 and the number of the destination account. She had more than five million in the account, the contents of a suitcase full of cash she had taken from an enormous stash of money held by a drug cartel she had broken up during her police days in Florida. She paused when her password was required. A message appeared, saying “After you have entered your password twice, your instructions will be irreversible.” She tapped the screen. “You see this?”

“Yes.”

“Now, before I type in my password, convince me that you’re going to set me free safely.” Immediately, she felt cold steel pressing against the nape of her neck.