A white shirt, for sure, and a quiet tie. But which suit? The Italians were maybe too flashy. Not the Armani. He had to look like a serious man. Rich enough to buy a dozen Armanis, for sure, but somehow too serious to consider doing that. Too serious and too preoccupied with weighty affairs to spend time shopping on Madison Avenue. He decided heritage was the feature to promote. An unbroken three-generation heritage of business success, maybe reflected in a dynastic approach to dressing. Like his grandfather had taken his father to his tailor and introduced him, then his father had taken him in turn. Then he thought about his Brooks Brothers suit. Old, but nice, a quiet check, vented, slightly warm for June. Would Brooks Brothers be a clever double bluff? Like saying, I’m so rich and successful it really doesn’t matter to me what I wear? Or would he look like a loser?

He pulled it off the rack and held it against his body. Classic, but dowdy. He looked like a loser. He put it back. Tried the gray Savile Row from London. Perfect. It made him look like a gentleman of substance. Wise, tasteful, infinitely trustworthy. He selected a tie with just a hint of pattern and a pair of solid black shoes. Put it all on and twisted left and right in front of the mirror. Couldn’t be better. Looking like that, he might almost trust himself. He finished his coffee, dabbed his lips, and slipped through to the garage. Fired up the Benz and was on an uncongested Merritt Parkway by six forty-five.

REACHER SPENT FIFTY minutes on the ground in Atlanta, then took off again and swung east and north toward New York. The sun was up out over the Atlantic and was coming in through the right-hand windows with the freezing brightness of high-altitude dawn. He was drinking coffee. The stewardess had offered him water, but he’d taken the coffee instead. It was thick and strong, and he was drinking it black. He was using it to fuel his brain. Trying to figure who the hell Mrs. Jacob could be. And why she had paid Costello to scour the country for him.

They stacked up over LaGuardia. Reacher loved that. Low lazy circles over Manhattan in the bright morning sun. Like a million movies, without the soundtrack. The plane rocking and tilting. The tall buildings sliding by under them, tinted gold by the sun. The Twin Towers. The Empire State Building. The Chrysler, his favorite. Citicorp. Then they were looping around and diving for the north shore of Queens, and landing. The buildings of Midtown across the river raked past the tiny windows as they turned to taxi in to the terminal.

HIS APPOINTMENT WAS for nine o’clock. He hated that. Not because of the time. Nine o’clock was halfway through the morning for most of the Manhattan business community. The hour was not upsetting him. It was the fact that he had an appointment at all. It was a very long time indeed since Chester Stone had made an appointment to see anybody. In fact he couldn’t accurately recall ever making an appointment to see anybody. Maybe his grandfather had, in the very early days. Since then it had always worked the other way around. All three Chester Stones, be it first, second, or third, had secretaries who graciously tried to fit supplicants into a busy schedule. Many times people had waited days for a provisional window, and then hours in an anteroom. But now it was different. And it was burning him up.

He was early, because he was anxious. He had spent forty minutes in his office reviewing his options. He had none. Whichever way he cut it, he was one-point-one million dollars and six weeks short of success. And that was choking him, too. Because it wasn’t a spectacular crash and burn. Not a total disaster. It was a measured and realistic response to the market that was almost all the way there, but not quite. Like a heroic drive off the tee that lands an inch short of the green. Very, very close, but not close enough.

Nine o’clock in the morning, the World Trade Center on its own is the sixth largest city in New York State. Bigger than Albany. Only sixteen acres of land, but a daytime population of 130,000 people. Chester Stone felt like most of them were swirling around him as he stood in the plaza. His grandfather would have been standing in the Hudson River. Chester himself had watched from his own office window as the landfill inched out into the water and the giant towers had risen from the dry riverbed. He checked his watch and went inside. Took an elevator to the eighty-eighth floor and stepped out into a quiet deserted corridor. The ceiling was low and the space was narrow. There were locked doors leading into offices. They had small rectangular wired-glass portholes set off center. He found the right door and glanced through the glass and pressed the buzzer. The lock clicked back and he went inside to a reception area. It looked like a normal office suite. Surprisingly ordinary. There was a brass-and-oak counter, an attempt at opulence, and a male receptionist sitting behind it. Chester paused and straightened his back and stepped over toward him.

“Chester Stone,” he said firmly. “I’ve got a nine o’clock with Mr. Hobie.”

The male receptionist was the first surprise. He had expected a woman. The second surprise was that he was shown straight in. He was not kept waiting. He had expected to sit for a spell, out there in reception in an uncomfortable chair. That’s how he would have done it. If some desperate person was coming to him for a last-ditch loan, he’d have let him sweat for twenty minutes. Surely that was an elementary psychological move?

The inner office was very large. Walls had been removed. It was dark. One wall was all windows, but they were covered with vertical blinds, open no more than narrow slits. There was a big desk. Facing it were three sofas completing a square. There were lamp tables at each end of each sofa. A huge square coffee table in the middle, brass and glass, standing on a rug. The whole thing looked like a living room display in a store window.

There was a man behind the desk. Stone started the long walk in toward him. He dodged between the sofas and crabbed around the coffee table. Approached the desk. Stuck out his right hand.

“Mr. Hobie?” he said. “I’m Chester Stone.”

The man behind the desk was burned. He had scar tissue all the way down one side of his face. It was scaly, like a reptile’s skin. Stone stared away from it in horror, but he was still seeing it in the comer of his eye. It was textured like an overcooked chicken’s foot, but it was unnaturally pink. There was no hair growing where it ran up over the scalp. Then there were crude tufts, shading into proper hair on the other side. The hair was gray. The scars were hard and lumpy, but the skin on the unburned side was soft and lined. The guy was maybe fifty or fifty-five. He was sitting there, his chair pushed in close to the desk, his hands down in his lap. Stone was standing there, forcing himself not to look away, his right hand stuck out over the desk.

It was a very awkward moment. There is nothing more awkward than standing there ready to shake hands while the gesture is ignored. Foolish to keep standing there like that, but somehow worse to pull your hand back. So he kept it extended, waiting. Then the man moved. He used his left hand to push back from the desk. Brought his right hand up to meet Stone’s. But it wasn’t a hand. It was a glittering metal hook. It started way up under his cuff. Not an artificial hand, not a clever prosthetic device, just a simple hook, the shape of a capital letter J, forged from shiny stainless steel and polished like a sculpture. Stone nearly went to grasp it anyway, but then he pulled back and froze. The man smiled a brief generous smile with the mobile half of his face. Like it meant nothing to him at all.

“They call me Hook Hobie,” he said.