"I guess we better tell you what's happening," he said. His voice was rumbling and his delivery methodical. "You've stumbled into a bit of a sticky situation here."

"Oh, yeah, tell me about it."

Santos tipped his chair back against the wall and laced his hands across his head. "I head a task force made up of a number of agencies working to uncover what we believe is one of the biggest auto insurance fraud operations ever mounted in Southern California. You've worked in this business long enough to know what I'm talking about. Los Angeles County is the nation's automobile insurance fraud capital. Now it's spreading through Ventura and Santa Teresa counties. This particular ring is only one of dozens that generate an estimated five hundred million to a billion in phony claims every year. In this case, we're looking at fifteen lawyers, two dozen medical doctors, half a dozen chiropractors. On top of that, a rotating pool of some fifty to sixty individuals recruited to participate in the trumped-up incidents that comprise the claims." He pushed away from the wall, sitting upright, the front legs of the chair hitting the floor with a chirp. "You with me so far?"

"Oh, I'm here," I said.

He leaned forward, resting one arm on the table. I noticed his manner toward me was warming somewhat. He was a man animated by his work. I had no idea where he was going with the explanation, but it was clear he hadn't driven all the way up from Los Angeles in the dead of night just to deliver this deadpan rendition of his professional concerns.

"We've put this case together bit by bit, piece by piece, over the last two years, and we're still not in a position to shut them down."

"I don't see the connection," I said. "Bibianna isn't part of the ring, is she?"

"She was. Raymond Maldonado started out as a 'capper'. At this point, we believe he's one of the kingpins, but we can't prove it yet. You know how these rings operate?"

"Not really," I said. "The people I'm used to dealing with are strictly amateurs."