Convicted, divorced, disbarred, imprisoned, sued, bankrupt.

Most of the losers at Trumble handled their time because their falls had been so short. Most were repeat offenders who'd blown third and fourth chances. Most liked the damned place because it was better than any other prison they'd visited.

But Beech had lost so much, had fallen so far. Just four years ago he'd had a wife with millions and three kids who loved him and a big home in a small town. He was a federal judge, appointed by the President for life, making $140,000 a year, which was a lot less than her oil royalties but still not a bad salary. He got himself called to Washington twice a year for meetings at justice. Beech had been important.

An old lawyer friend had been to see him twice, on his way to Miami where he had kids, and he stayed long enough to deliver the gossip. Most of it was worthless, but there was a strong rumor that the ex -Mrs. Beech was now seeing someone else. With a few million bucks and slender hips it was only a matter of time.

Another ad. Lake Before It's Too Late again. This one began with a grainy video of men with guns slithering through the desert, dodging and shooting and undergoing some type of training. Then the sinister face of a terrorist--dark eyes and hair and features, obviously some manner of Islamic radical--and he said in Arabic with English subtitles, "We will kill Americans wherever we find them. We will die in our holy war against the great Satan." After that, quick videos of burning buildings. Embassy bombings. A busload of tourists. The remains of a jetliner scattered through a pasture.

A handsome face appeared, Mr. Aaron Lake himself. He looked directly at Hadee Beech and said, "I'm Aaron Lake, and you probably don't know me. I'm running for President because I'm scared. Scared of China and Eastern Europe and the Middle East. Scared of a dangerous world. Scared of what's happened to our military. Last year the federal government had a huge surplus, yet spent less on defense than we did fifteen years ago.We're complacent because our economy is strong, but the world. today is far more dangerous than we realize. Our enemies are legion, and we cannot protect ourselves. If elected, I will double defense spending during my term of office."

No smiles, no warmth. Just plain talk firm a man who meant what he said. A voice-over said, "Lake, Before It's Too Late."

Not bad, thought Beech.

He lit another cigarette, his last of the night, and stared at the envelope on the empty chair-$5 million lodged against him by the two families. He'd pay the money if he could. Never saw the kids, not before he killed them. The paper the next day had their happy photos, a boy and a girl. Just college kids, enjoying the summer.

He missed the bourbon.

He could bankrupt half the judgment. The other half was for punitive damages, nonbankruptable. So it would follow wherever he went, which he assumed was nowhere. He'd be sixty-five when his sentence was over, but he'd be dead before then. They'd carry him out of Trumble in a box, send him home to Texas, where they'd bury him behind the little country church where he'd been baptized. Maybe one of the kids would spring for a headstone.

Beech left the room without turning off the TV It was almost ten, time for lights-out. He bunked with Robbie, a kid from Kentucky who'd broken into 240 houses before they caught him. He sold the guns and microwaves and stereos for cocaine. Robbie was a four-year veteran of Tmmble, and because of his seniority he had chosen the bottom bunk. Beech crawled into the top one, said, "Good night, Robbie," and turned off the light.

"Night, Hadee," came the soft response.

Sometimes they chatted in the dark. The walls were cinderblock, the door was metal, their words wereconfined to their little room. Robbie was twenty-five and would be forty-five before he left Trumble. Twenty-four years-one for every ten houses.

The time between bed and sleep was the worst of the day. The past came back with a vengeance-the mistakes, the misery, the could-haves and shouldhaves. Try as he might, Hatlee could not simply close his eyes and go to sleep. He had to punish himself first. There was a grandchild he'd never seen, and he always started with her. Then his three kids. Forget the wife. But he always thought about her money. And the friends. Ah, the friends. Where were they now?

Three years in, and with no future there was only the past. Even poor Robbie below dreamed of a new beginning at the age of forty-five. Not Beech. At times he almost longed for the warm Texas soil, layered upon his body, behind the little church.

Surely someone would buy him a headstone.

For Quince Garbe, February 3 would be the worst day of his life. It was almost the last, and it would've been had his doctor been in town. He couldn't get a prescription for sleeping pills, and he didn't have the courage to use a gun on himself.

It began pleasantly enough with a late breakfast, a bowl of oatmeal by the fire in the den, alone. His wife of twenty-six years had already left for town, for another day of charity teas and- fund-raising and frantic small-town volunteerism that kept her busy and away from him.

It was snowing when he left their large and pretentious banker's home on the edge of Bakers, Iowa, and drove ten minutes to work in his long black Mercedes, eleven years old. He was an important man about town, a Garbe, a member of a family that had owned the bank for generations. He parked in his reserved spot behind the bank, which faced Main Street, and made a quick detour to the post office, something he did twice a week. For years he'd had a private box there, away from his wife and especially away from his secretary.

Because he was rich and few others were in Bakers, Iowa, he seldom spoke to people on the street. He didn't care what they thought.They worshiped his father and that was enough to keep their business.

But when the old man died, would he have to change his personality? Would he be forced to smile on the sidewalks of Bakers and join the Rotary Club, the one founded by his grandfather?

Quince was tired of being dependent on the whims of the public for his security. He was tired of relying on his father to keep their customers happy. He was tired of banking and tired of Iowa and tired of snow and tired of his wife, and what Quince wanted more than anything that morning in February was a letter from his beloved Ricky. A nice, brief little note confirming their rendezvous.

What Quince really wanted was three warm days on a love boat with Ricky. He might never come back.

Bakers had eighteen thousand people, so the central post office on Main was usually busy. And there was always a different clerk behind the counter. That's how he'd rented the box-he'd waited until a new postal worker was on duty. CMT Investments was the official lessee. He went straight to the box, around a corner to a wall with a hundred others.

There were three letters, and as he snatched them and stuffed them in his coat pocket his heart froze as he saw that one was from Ricky. He hurried onto Main, and minutes later entered his bank, at exactly 10 A.M. His father had been there for four hours, but they had long since stopped bickering over Quince's work schedule. As always, he stopped at his secretary's desk to hurriedly remove his gloves as if important matters were waiting. She handed him his mail, his two phone messages, and reminded him that he had lunch in two hours with a local real estate agent.

He locked his door behind him, flung his gloves one way and his coat the other, and ripped open the letter from Ricky. He sat on his sofa and put on his reading glasses, breathing heavily not from the walk but from anticipation. He was on the verge of arousal when he started reading.