"Lord, I forgot about the turtles. You know how hungry they get."

"They're notcoming with us."

"Course not," JoLayne said.

They stopped at the ATM so she could get some cash. Back in the car, she popped a handful of Goldfish and said: "Drive like the wind, partner. My Visa maxes out at three thousand bucks."

"Then let's pay it off. Put a check in the mail first thing tomorrow – I want these boys to go hog wild."

Sportively JoLayne grabbed a handful of Krome's shirt. "Tom, I've got exactly four hundred and thirty-two dollars left in my checking."

"Relax," he told her. Then, with a sideways glance: "It's time you started thinking like a millionaire."

Chub's real name was Onus Dean Gillespie. The youngest of seven children, he was born to Moira Gillespie when she was forty-seven, her maternal stirrings long dormant. Onus's father, Greve, was a blunt-spoken man who regularly reminded the boy that the arc of his life had begun with a faulty diaphragm, and that his appearance in Mrs. Gillespie's womb had been as welcome as "a cockroach on a wedding cake."

Nonetheless, Onus was neither beaten nor deprived as a child. Greve Gillespie made good money as a timber man in northern Georgia and was generous with his family. They lived in a large house with a basketball hoop in the driveway, a secondhand ski boat on a trailer in the garage, and a deluxe set of World Bookencyclopedias in the basement. All of Onus's siblings made it to Georgia State University, and Onus himself could have gone there, too, had he not by age fifteen already chosen a life of sloth, inebriation and illiteracy.

He moved out of his parents' home and took up with a bad crowd. He got a job in the photo department of a drugstore, where he earned extra money sorting through customers' negatives, swiping the racy ones and peddling the prints to horny kids at the high school. (Even after entering adulthood, Onus Gillespie remained amazed there were women in the world who'd allow their boyfriends or husbands to take pictures of them topless. He dreamed of meeting such a girl, but so far it hadn't happened.)

When he was twenty-four, Onus accidentally landed a well-paying job at a home furnishings warehouse. Thanks to an aggressive union local, he managed to remain employed for six years despite a wretched attendance record, exhaustively documented incompetence and a perilous affinity for carpet glue. Stoned to the gills, Onus one day crashed a fork-lift into a Snapple machine, a low-speed mishap that he parlayed into an exorbitant claim for worker's compensation.

His extended "convalescence" involved many drunken fishing and hunting excursions. One morning Onus was observed emerging from the woods with a prostitute on one arm and a dead bear cub slung over his shoulders. The man watching him was an investigator for an insurance company, which was able to argue convincingly that Mr. Onus Gillespie was not injured in the least. Only then was he fired from the warehouse. He chose not to appeal.

Moira and Greve wrote one last check to their errant spawn, then disowned him. Onus needed no special encouragement to leave the state. In addition to the pending felony indictments for insurance fraud and game poaching, Onus had received a rather unfriendly letter from the Internal Revenue Service, inquiring why he'd never in his adult life bothered to file a tax return. To emphasize its concern, the IRS sent a flatbed and two disagreeable men to confiscate Onus's customized Ford Econoline van. It was easy to spot. An elaborate mural on the side of the vehicle depicted Kim Basinger as a nude mermaid, riding a narwhal. Onus had fallen for the beautiful Georgia actress in the movie 9½ Weeksand conceived the mural as a love tribute.

It was the seizure of his beloved Econoline that turned Onus Gillespie bitterly against the U.S. government (although he was similarly resentful toward his parents, who not only had refused to pay his tax lien but had also tipped off the IRS agents about where to find the van). Before bolting, Onus burned his driver's license and renounced the family name. He began calling himself Chub (which is how his brothers and sisters had referred to him when he was younger and had something of a weight problem). He couldn't make up his mind on a new surname, so he decided to wait until something good popped into his head. He hitchhiked to Miami with only the clothes on his back, seventeen dollars in his wallet and, in a zippered pocket, his only tangible asset – the disabled-parking permit he'd scammed off the company doctor for the workmen's comp claim.

Pure good fortune and a round of free beers led to a friendship with an amateur forger, who entrusted Chub with his printing equipment while he went off to state prison. In no time, Chub was cranking out fake handicapped stickers and selling them for cash to local motorists. His favorite hangout was Miami's federal courthouse, infamous for its dearth of parking spaces. Among Chub's satisfied customers were stenographers, bondsmen, drug lawyers and even a U.S. magistrate or two. Soon his reputation grew, and he became known throughout the county as a reliable supplier of bootleg wheelchair emblems.

That's why he was sought out by Bodean Gazzer, who'd been having a terrible time trying to park downtown. Having recently purchased the Dodge Ram, Bode thought it was foolhardy to leave it three or four blocks away while he went to wrestle the bureaucracy of the corrections department. Those particular neighborhoods weren't such lovely places to go for a stroll; wall-to-wall Haitians and Cubans! He had nightmare visions of his gorgeous new truck stripped to its axles.

Chub felt an instant kinship with Bode, whose global theories and braided explanations struck a comforting chord. For instance, Chub had been stung when his parents scorned him as a tax cheat, but Bode Gazzer made him feel better by enumerating the many sound reasons why no full-blooded white American male should give a nickel to the Infernal Revenue. Chub brightened to learn that what he'd initially regarded as ducking a debt was, in fact, an act of legitimate civil protest.

"Like the Boston Tea Party," Bode had said, invoking his favorite historical reference. "Those boys were against taxation without representation, and that's what you're fightin', too. The white man has lost his voice in this government, so why should he foot the bill?"

It sounded good to Chub. Damn good. And Bode Gazzer was full of such nimble rationalizations. (

Some of Chub's acquaintances, especially the war veterans, disapproved of his handicapped-parking racket. Not Bode. "Think about it," he'd said to Chub. "How many wheelchair people you actually see? And look how many thousands of parkin' spaces they got. It don't add up, unless ... "

" 'Less what?"

"Unless those parkin' spots ain't really for the handicaps," Bode had surmised darkly. "What color's them wheelchair permits?"

"Blue."

"Hmmm-mmm. And what color is the helmets worn by United Nations troops?"

"Fuck if I know. Blue?"

"Yessir!" Bode Gazzer had shaken Chub by the arm. "Don't you see, boy? There's an invasion, who you think's gonna be parked in them blue wheelchair spaces? Soldiers, that's who. UN soldiers!"

"Jesus Willy Christ."

"So in my estimation you're doin' the country a tremendous goddamn service with those imitation handicap stickers. Every one you sell means one less parkin' spot for the enemy. That's how I think of it."

And that's how Chub intended to think of it, too. He wasn't a crook, he was a patriot! Life was getting better and better.

And now here he was, on the road with his best buddy.

Soon to be multimillionaires.

Spending a long leisurely afternoon at Hooters, eating barbecue chicken wings and slugging down Coronas.