"But the dividends should have been reinvested. They just sat there not collecting a dime. That's like giving Chase Manhattan and American Express interest-free loans."

Money that lies fallow upsets Lester. His children never had piggy banks. They had money market accounts.

Lester perused Ernest Lauderbach's will. "Neither Mary nor the other two children, Randolf and Herman, inherited under this will?" "No, they didn't." It was Lester's right to examine the will to establish Mrs Lauderbach's ownership to all the property. My father had drawn up the sixth and last edition of Ernest Lauderbach's last will and testament about ten years before, but the stock and bond assets were only identified as "securities and other money instruments that I may hold at the time of my death." Clearly, no one, including the Lauderbachs' three children, knew precisely what was in the vault in the basement of the Oyster Bay house. I was fairly certain they still didn't know, or I'd have heard from all three of them and/or their attorneys by now.

Lester inquired, "Where are Herman and Randolf?"

"Herman is retired in Virginia, and Randolf is a businessman in Chicago. Why?"

"I'd like to handle their stock assets when they inherit. That's why." Lester and I both knew that this conversation actually had to do with the possibility of making sure that Randolf, Herman, and Mary did not inherit these stock assets. But I said, "I'll recommend you to them if I'm satisfied with how this account is handled."

"Thanks. I suppose they know about this?" He patted a pile of stock certificates.

I ignored the question and its implications and said politely but firmly, "Lester, regarding your handling of this account, do not play the market for Mrs Lauderbach. Those are two perfectly good stocks. Just leave them in place and see that she gets her past and future dividend cheques. If she needs money for estate taxes, I'll advise you, and we'll sell off some shares for Uncle Sam." "John, you know I wouldn't churn this account for the commissions." Lester, to be fair, is an ethical broker, or I wouldn't deal with him. But he's in an occupation whose temptations would give Jesus Christ anxiety attacks. Such was the case now, with ten million sitting on the mahogany table in front of him. I could almost see that little devil on his left shoulder, and the angel on his right, both chattering in his ears. I didn't want to interrupt, but I said, "It doesn't matter, you know, who knows about this money, who needs it, who deserves it, or that Agnes Lauderbach doesn't give a rat's ass about it." He shrugged and sort of changed the subject. "I wonder why the Lauderbachs didn't hold on to The Beeches if they knew they had this kind of money." I replied, "Not everyone wants a fifty-room house and two hundred acres, Lester.

It's a waste of money even if you've got money. How many bathrooms do you need?" Lester chuckled, then asked, "Would you buy Stanhope Hall if you had ten million dollars?"

"You mean five million, partner."

Lester smiled sheepishly and glanced at me to see if I was baiting him, then lowered his eyes, which swept across the paper-strewn table and rested on the piles of stock certificates. He asked, "Or would you buy that sixty footer and sail off into the sunset?"

I was sorry I had confided in Lester. I didn't reply.

"Or think about getting Susan out of the guesthouse and back into the great house." There was a silence in the room, during which Lester was thinking of what he'd do with five million dollars, and I guess I was thinking of what I'd do with ten, since I had no intention of compounding a crime with the sin of sharing any of it with Lester Remsen.

It occurred to me that Lester is the type of person who is honest out of fright, but he likes to flirt with dishonesty to see how it feels to have balls, if you'll pardon the expression. And he likes to see how other people react to his enticements.

Lester spoke in a way that suggested he was speaking apropos of nothing. "It's very easy, John, now that I see the paperwork and the actual certificates. And it's a big enough sum to make it worthwhile. And I don't think we even have to leave the country afterwards, if it's handled right. When the old lady dies, you'll have seen to it that nothing appears in her will regarding this." Lester went on in this vein, never using bad words such as federal tax evasion, steal, forge, or fraud. I listened, more out of curiosity than a need to be educated in crime by Lester.

I don't know why I am honest. I suppose it is partially a result of my parents, who were paragons of virtue if nothing else. And when I was growing up in the fifties, the message from the pulpit and in Sunday school and my private school had less to do with the world's ill and injustices, and more to do with how to behave correctly toward others. It was the Ten Commandments and the Golden Rule, and believe it or not, young men and women were supposed to have personal mottoes to live by. Mine was, "I will strive each day to give more than I receive." I don't know where I got that, but it's a good way to go broke. But I must have lived by it once, maybe until I was eighteen. Maybe longer. Yet millions of men and women of my generation were raised the same way, and some of them are thieves, and some much worse. So why am I honest? What is keeping me from ten million dollars and from the nearly naked ladies on Ipanema beach? That's what Lester wanted to know. That's what I wanted to know. I looked at the pile of stock certificates, and Lester interrupted his dissertation on how to safely steal ten million to inform me, "No one cares anymore, John. The rules are out the window. That's not my fault or yours. It just is. I'm tired of being a sucker, of fighting by Marquess of Queensberry rules while I'm getting kicked in the groin, and the referee is being paid to look the other way."

I made no reply.

Until very recently, one of the reasons for my honesty was my contentment with my life, the whole social matrix into which I fit and functioned. But when you decide you won't miss home, what keeps you from stealing the family car to get away? I looked at Lester, who held eye contact for a change. I said, "As you once observed, money doesn't tempt me," which was the truth. "Why doesn't money tempt you?"

I looked at Lester. "I don't know."

"Money is neutral, John. It has no inherent good or evil. Think of it as Indian wampum. Seashells. It's up to you what you do with it." "And how you get it."

Lester shrugged.

I said, "Maybe in this case, I think that taking money from a batty old lady is no challenge and beneath my dignity and my professional ability to steal from sharp people. Find something dangerous and we'll talk again." I added, "I'll have the stocks delivered to your Manhattan office tomorrow by bonded courier." Lester looked both disappointed and relieved. He gathered the paperwork into his briefcase and stood. "Well… what would life be like if we couldn't dream?" "Dream good dreams."

"I did. You should dream a little."

"Don't be a schmuck, Lester."

He seemed a little put off, so I guess I used the word right. Lester said coolly, "Don't forget I need Mrs Lauderbach's signature cards." "I'll see her tomorrow, on her way to her lunch date."

Lester extended his hand and we shook. He said, "Thanks for giving me this account. I owe you dinner."

"Dinner would be fine."

Lester left with a parting glance at the ten million dollars lying on the table.

I carried the stock certificates downstairs and put them in my vault. The remainder of the week, which was Holy Week before Easter, passed in predictable fashion. On Thursday evening, Maundy Thursday, we went to St Mark's with the Allards, who were well again. The Reverend Mr Hunnings washed the feet of a dozen men and women of the congregation. This ceremony, if you don't know, is in imitation of Christ's washing the feet of his disciples and is supposed to symbolize the humility of the great toward the small. I didn't need my feet washed, but apparently Ethel did, so up she went to the altar with a bunch of other people who I guess had volunteered for this ahead of time because none of the women had panty hose on and none of the men wore silly socks. Now, I don't mean to make fun of my own religion, but I find this ceremony bizarre in the extreme. In fact, it's rarely performed, but Hunnings seems to enjoy it, and I wonder about him. One Maundy Thursday, when I get enough nerve, I'm going to volunteer to have my feet washed by the Reverend Mr Hunnings, and when I take my socks off, on each toenail will be painted a happy face. Anyway, after services, we had George, and Ethel of the clean feet, to our house for what Susan referred to as the Last Supper, being the last meal she intended to cook until Monday.