“What did we talk about…more or less?”

The burly insurance adjuster sighed. “Let’s see…the first reports were that the Mercedes that Princess Di and her boyfriend were in had been going a hundred and twenty miles per hour. We knew that was incorrect right from the beginning. We used the TV’s freeze-frame to get some stills of the news report, remember? Then we videotaped the later scene reports and studied the stills from them.”

“And we talked about how the impact incursion wasn’t consistent,” said Dar.

“Right. The Mercedes hit that pillar pretty much dead on, so we know that the front-end incursion wasn’t significant enough to show that the car had been going anywhere near a hundred and twenty miles per hour. Also, the TV networks kept reporting that the car had obviously rolled over, but when we looked at the raw video we knew that wasn’t so.”

“You and Trudy identified the missing roof as the emergency workers’ efforts to cut the victims free, right?” said Dar.

“Sure. So did you. And the dents visible in the roof didn’t come from a rollover. They came from the rear passengers’ heads hitting the inside of the roof after the initial impact.”

“And what did we judge the real speed of impact to be, according to the video, the passengers’ injuries, and the other scene reports?”

“I said…let’s see…I said sixty-three miles per hour. Trudy said sixty-seven. I think you had the low number, sixty-two.”

“And when the final report came out, you were right,” mused Dar.

Lawrence went on. “None of the reporters seemed to want to mention it, but we all knew that Princess Diana would have almost certainly survived the crash if she’d been wearing her seat belt and shoulder harness. And they’d all be alive if the accident had happened in the United States…”

“Because?” said Dar.

“Because it’s both federal and state regulations that pillars in an underpass have to be protected by guardrails,” said Lawrence. “You know that; you mentioned it the night of the accident. You even worked out the kinetic-impact-velocity-diminution equations on our computer—showing that if it had been a guardrail rather than a concrete pillar, the Mercedes would have gone ricocheting back and forth through that tunnel, wall to guardrail and back again, dissipating energy as it went. If the occupants other than the bodyguard had been buckled in…”

“But they weren’t,” said Dar quietly.

“Uh-uh. Trudy calls that the taxi-limousine syndrome,” said Lawrence. “People who would never drive or ride in their own automobiles without a seat belt don’t even think about buckling up in a limo or taxi. For some reason, you feel invulnerable when a hired driver is behind the wheel.”

“Trudy even remembered video of Princess Diana buckling up when driving her own car,” said Dar. “What else did we discuss?”

Lawrence scratched his chin. “I’m assuming you’ll get to your point here sometime. Let’s see. We all agreed that the paparazzi didn’t have anything to do with the accident. First, the Mercedes could have easily outrun those little paparazzi motorcycles. Secondly, it could have driven over them without feeling a bump. But we all suspected that a second vehicle was involved…a second automobile, that is. That the driver swerved down into the tunnel and then lost control trying to miss another car.”

“Which turned out to be the case,” said Dar.

“Yeah. And we were sure they’d discover that the driver had been legally drunk.”

Dar nodded. “Why did we assume that?”

“He was French,” said Lawrence. Lawrence did not travel to parts of the world where all the people did not speak English. He also did not like the French just on general principles.

“Why else?” said Dar.

“Oh, I think it was Trudy who made the point that the swerve to the left after entering the tunnel—the swerve that sent them directly into the pillar—almost certainly had to be an evasive maneuver and that any competent driver—or sober driver—could have made it at sixty-five miles per hour without losing control of that make of Mercedes. After all, the car was trying to help the driver keep control.”

“So the three of us were right about all of the particulars of the accident, even down to the hypothetical extra car involved,” said Dar. “But do you remember any other reaction on our part?”

“Oh, I remember keeping a watch on the Net and the professional journals for a while,” said Lawrence. “The facts came trickling in that way—through comments by other insurance investigators—long before the networks or news services figured it out.”

“Do you remember us crying?” said Dar.

Lawrence took his eyes off the traffic and looked at Dar for what seemed like a long time. Then he looked back at the road. “Are you shitting me?”

“No, I’m trying to remember our emotional reaction.”

“Everybody else in the world went apeshit,” said Lawrence in obvious disgust. “Remember the TV views of the long lines of sobbing people—grown-ups—outside the British consulate in L.A.? There were church services up the wazoo and more blubbering on television idiot-on-the-street interviews than I’ve seen since Kennedy was shot. More than Kennedy. It was like everyone’s favorite aunt, wife, mother, sister, and girlfriend had died. It was crazy. It was absolutely nuts.”

“Yes,” said Dar, “but how did the three of us react?”

Lawrence shrugged again. “I guess Trudy and I were sorry the lady was dead. It’s sad when any young person dies. But Christ, Dar, it wasn’t personal. I mean, we didn’t know the woman. Besides, there was a certain irritation at their carelessness—hers and the boyfriend, Dodi—at letting a drunk drive, at playing games driving that fast just to get rid of a few fucking photographers, and for thinking that they were so above the laws of physics that they didn’t need their belts on.”

“Yes,” Dar said, and was quiet a moment. “Do you remember when the conspiracy theories began about her death?”

Lawrence laughed. “Yeah…about ten minutes after the first news reports were aired. I remember after you did the kinetic equations, we went onto the Internet to find some more facts and already people were yapping about how the CIA killed them or the British secret service or the Israelis. Morons.”

“Yes,” said Dar. “But our reaction was just one of…what?”

Lawrence frowned at Dar again. “Professional interest,” he said. “Is there a problem with that? It was an interesting accident and the media got the details all wrong, as they usually do. It was fun figuring out what really happened. We were right…right down to the phantom car, the alcohol, and the speed of impact. We didn’t get involved with the orgy of mourning going on everywhere because that was media-hype celebrity-cult bullshit. If I want to weep for the dead, I’ll visit the graveyard in Illinois where my parents are buried. Is there a problem with any of that, Dar? Did we react wrong? Is that what you’re saying?”

Dar shook his head. “No,” he said. And a moment later, he said it again. “No, we didn’t react wrong at all.”

Back at his condo loft that evening, Dar could not concentrate. None of the accidents he and Lawrence had investigated that day would take much reconstruction. The gunshot accidents had been a little out of the ordinary, but not that much. Three weeks earlier, Dar and Lawrence had investigated a claim in which an inner-city teenager had shoved a loaded revolver into his waistband and blown off most of his genitals. The family was suing the school district, even though the ninth-grader had skipped school that day. The mother and live-in boyfriend were arguing in the $2 million claim that the school was responsible for making sure the sixteen-year-old was in school.

Dar had twenty other projects he could work on, but he found himself wandering the apartment, pulling books off the shelves and putting them back, checking his e-mail and updating his chess games. Of the twenty-three games he had going, only two required any real concentration. A mathematics student in Chapel Hill, North Carolina, and a mathematician/financial planner in Moscow—financial planner in Moscow!—were giving him real problems. His Moscow friend, Dmitry, had beaten him twice and played him to a stalemate once. Dar looked at the e-mail, went to the physical chess board he kept set up for that game, moved Dmitry’s white knight, and frowned at the result. This would take some thought.