"Well, there's some kind of mistake here. I've never even seen the night-deposit slot. I use my twenty-four-hour instant teller card if I need to transact bank business after hours. What do we do now?"

"I can track down a copy of the deposit slip," she said skeptically.

"Would you do that, please? Because I didn't make a deposit of any kind last Friday and certainly not five thou-sand dollars' worth. Maybe somebody transposed some numbers on the deposit slip or something, but the money sure doesn't belong to me."

She took my telephone number and said she'd get back to me. I could tell I was in for countless phone calls before the correction could be made. Suppose somebody was merrily writing checks against that five grand?

I went back to the task at hand, wishing I felt more enlightened than I did. My mind kept jumping around. The file on the fire claim at Wood/Warren had actually come into my hands four days before, late Thursday, the 23rd. I'd been scheduled to have a farewell drink with my landlord, Henry Pitts, at four, and then take him out to the airport and put him on a plane. He was flying back to Michigan to spend the holidays with his family, some of whom are edging into their nineties with their vigor and good spirits still in evidence. Henry's pushing eighty-two, a mere kid, and he was about as excited as one at the pros-pect of the trip.

I was still at the office that afternoon with my paper-work caught up and some time to kill. I went out onto my second-floor balcony, peering off to my right at the V of Pacific Ocean visible at the foot of State Street, ten blocks down. This is Santa Teresa, California, ninety-five miles north of Los Angeles. Winter here is a grand affair, full of sunshine and mild temperatures, vibrant magenta bougainvillea, gentle winds, and palm trees waving fronds at the sea gulls as they wheel overhead.

The only signs of Christmas, two days away, were the garlands of tinsel strung along the main streets. The stores, of course, were packed with shoppers, and there was a trio of Salvation Army horn players tooting away at "Deck the Halls." In the interests of feeling jolly, I thought I'd better work out my strategy for the next two days.