A single-car surveillance is usually considered the least productive technique in any private investigator's little bag of tricks. In order to be discreet, you have to keep so much distance between yourself and the subject that visual contact is tough to maintain without being "made." Then, too, if Bibianna was picked up by car, I had a fifty-fifty chance of being headed in the right direction. If I'd guessed wrong, I was sunk. A sudden U-turn in a residential neighborhood is a conspicuous move and one almost guaranteed to alert the driver of the car you're following. With a two-car surveillance you can at least trade off positions and the subject is less likely to become suspicious. Unfortunately, I hadn't been authorized to hire outside help on this. For all I knew, Gordon Titus had fired me in absentia. It certainly seemed like the wrong time to ask for a cash advance. I was operating on the cheap, trying to establish a relationship with the woman so I could find out what she was up to. A well-documented claim file is fundamental to successful prosecution under "theft by deception" statutes. Before handing over the files to the Insurance Crime Prevention Institute, CF would want to provide proof of a material false representation, proof of intent to defraud, evidence that the claims adjuster relied upon representations by the claimant in paying the claim, and evidence of payment. If Bibianna was scamming Aetna and Allstate along with California Fidelity, it would probably mean hiring a handwriting expert to establish the links, though there might well be matching fingerprints on all the claim forms she'd sent. With fraud, as with most crimes, the perpetrator's job was a lot easier than ours.