“I’m not going to lie to you, Irene,” Ed says. “My experience with this is limited. But you’re saying you didn’t get a death certificate while you were down there?”
“We didn’t,” Irene says. “Baker called the Brits, who directed him to the Americans, who sent him back to the Brits. Todd Croft had someone go down and identify the body—that was before we arrived—and he ordered the cremation without even asking me.”
“What?” Ed says.
Irene has opened the proverbial can of worms now; she may as well keep going. “Todd Croft has, essentially, vanished. I can’t reach him or his secretary, and the Ascension web page is down.”
“Jeez, Irene,” Ed says. “This is like something out of a movie.”
“Ed,” Irene says. “You didn’t know anything about Russ’s owning property in the Caribbean, did you?”
“In the Caribbean?” Ed says. “Heck no!”
“How much did you understand about his job?” Irene asks. “Did the two of you ever discuss it?”
“He worked for Croft’s hedge fund, right?” Ed says. “He was the front man?”
“Right,” Irene says. She relaxes a little. The way Russ had described it to her, the Ascension clients were investing such large amounts of money in such a high-risk environment, they needed a dedicated person just to put them at ease, and that person was Russ. Up until this very second, Irene wondered if maybe Ed Sorley was in on the whole mess, but now it’s clear from his earnest tone that he’s just as bewildered as she is. Ed wears sweater-vests. He handles wills, trusts, real estate closings, and the occasional dispute over property lines for the farmers of Johnson County. Russ and Irene hired him for their legal matters because he’s their longtime friend. Irene realizes Russ must have had a second lawyer, one provided for him by Ascension.
Real estate, though.
“I’ll call our bank, obviously,” Irene says. They used to keep a checking and savings account at First Iowa Savings and Loan, where their friend Jerry Kinsey was the president. But shortly after Russ started working at Ascension, they switched to the behemoth Federal Republic Bank because Russ insisted that that bank was better equipped to handle Russ and Irene’s “change of circumstance.” Irene recalls pushing back on this. Just because Russ had a shiny new job didn’t mean they had to change their small-town ways, did it?
Russ had looked at her like she was naive and Irene had capitulated. They opened a joint brokerage account at Federal Republic, although Irene defiantly kept a smaller account at First Iowa in her own name; that was where her paychecks from the magazine were deposited.
Now that Irene thinks about it, she realizes she never saw a balance of more than fifty thousand dollars in the Federal Republic account. They have several million invested, or so Irene has been led to believe, and the amount in the Federal Republic account was obviously replenished by Russ’s paychecks and bonuses. So there should be a money trail that leads to Todd Croft and Ascension. Irene never delved into the particulars of their new financial situation because, quite frankly, she had done her share of worrying—creating budgets, stretching their meager resources—for a long time, and it was a relief just to know that there was money now, so much money that Irene could take a bath in French champagne every night if she wanted.
Back when Irene was renovating the house, Russ had transferred money into an account dedicated solely to paying the contractors and estate-sale managers and rug dealers. But that account had been closed for a while now. “We bought the house and the lot here on Church Street outright,” Irene says. “That money was wired to our Federal Republic account from somewhere else. Would you look into it?”
“I can certainly do that,” Ed says. “It was seven years ago? We’ve gotten a whole new computer system since then, but we must still have the paperwork in a box in the attic. I’ll go upstairs and check.”
“Thank you, Ed,” Irene says.
“Aw, Irene,” Ed says. “It’s the least I can do.”
“Please don’t say anything to Anita,” Irene says again. “I’ll tell people when I’m ready.”
“You have my word,” Ed says. “Your job is to get a certified copy of the death certificate. Without that, Russ is technically still alive.”
Still alive, Irene thinks. Just like in her dreams.
Irene’s next move is a trip to Federal Republic. There’s a branch in Coralville, although she has never set foot in it. She manages to find the most recent statement, which shows a balance of $46,270.32. There was a deposit of $7,500 on Monday, December 10, and another deposit of $7,500 on Monday, December 24, at eleven o’clock in the morning. The withdrawals are automatic payments for the household bills—electricity, cable, heating oil. There’s a $3,200 payment to Citibank—that’s Irene’s credit card—an amount that was a little higher than normal due to Christmas.
Irene approaches the teller with trepidation, even though she has never seen the young woman before. She’s Asian and far younger than either Cash or Baker, which is good. Irene craves anonymity. The last thing she wants is to deal with someone who knows her family, even slightly. Irene checks the woman’s name plate: JOSEPHINE.
“Good afternoon, Josephine,” Irene says. She stretches her face into a smile, but she suspects it looks like a grimace. “I have some questions about my account.”
“Certainly,” Josephine says. She accepts the statement from Irene, then starts tapping at her computer keyboard. “Let me just bring this up on my screen.” She pauses. Her eyes grow wide.
What? Irene thinks. She’s worried she’s going to be exposed on the spot. She’d have to say, I’m here because my husband died under mysterious circumstances. I’ve just discovered he had a second life but I was never suspicious because, honestly, Josephine, I paid very little attention to him. And I know next to nothing about our current financial situation.
“You’re a valued and trusted account holder here at Federal Republic,” Josephine says. “With us since 2006?”
“Yes,” Irene says. She points to the amounts she underlined on the statement. “I was wondering if you could tell me where these two amounts were wired from? I don’t see any other account number or the name of the bank.”
Josephine checks the amounts on the statement, then blinks at her screen. “You’re referring to the seventy-five-hundred-dollar deposit on Monday, December tenth, and the seventy-five-hundred-dollar deposit on Monday, December twenty-fourth?” Josephine’s voice is very loud, Irene thinks. She seems to be intentionally drawing attention to her teller window. Irene quickly casts a glance around the bank. She lives in mortal fear of seeing someone she knows.
“Yes,” Irene whispers, trying to telegraph the delicate nature of the situation.
“Those deposits were made in cash,” Josephine announces brightly.
“Cash?” Irene says. She nearly adds: You mean to tell me Russ walked in here with seventy-five hundred dollars on his person and then did it again two weeks later?
“Yes, cash!” Josephine says with such gusto that Irene thinks, Why not just broadcast over the bank’s PA system that Russell Steele was a drug dealer?
“Okay,” Irene says. “Thank you. One more quick question.” She leans in, locking eyes with Josephine, hoping that Josephine will finally understand the need for discretion. “Are there any other accounts at this bank under my name or my husband’s name?”
Josephine pulls back a couple of inches. “Do you have the account numbers?”
“I don’t,” Irene says. She’s trying to choose her words carefully here, though really what she’s tempted to do is tell young Josephine a cautionary tale: I let my husband take over our finances and now I don’t know what I do or don’t have! “I think I may have a second account here, one I haven’t been keeping close tabs on. Would you be able to check using my name or my husband’s name, our address, or our Social Security numbers?” Here, Irene slides Josephine a piece of paper with both Socials clearly labeled. “I can’t find any paperwork on our other accounts but it’s a new year, so one resolution I made was to figure this out.”
Josephine presses her lips together in a way that lets Irene know she’s growing suspicious. Still, her fingers fly across the keyboard. She slows to punch the Social Security numbers in carefully, then waits for the results. Blood pulses in Irene’s ears, and her shearling coat feels like it’s made of lead.
“I don’t see another account under either name or Social,” Josephine says. “Nothing’s coming up. Would you like me to call over my branch manager?”
“No, thank you, that’s okay,” Irene says. “For all I know, the account I’m thinking of could be at a different bank altogether.”
Josephine tilts her head. “A different bank?”
Irene backs toward the door. She can’t get out of there fast enough. “Well, like I said, it’s my New Year’s resolution to get organized.”
“All righty!” Josephine says. “Good luck with that.”