“I have an idea,” Herschel said. “There could be other ears listening right now. It’s a lovely day, so let’s move outside to the patio where things are, shall I say, more confidential.”

“Really, Herschel,” Ramona protested, but Ian was already standing. The group moved en masse through the kitchen and onto the patio where they re-situated around the picnic table. An hour earlier, Lettie, in anticipation, had cracked a bathroom window. She now sat on the edge of the bathtub and could hear better than ever.

Mr. Lewis McGwyre popped open his heavy briefcase and removed a file. He passed around three copies of a multipage document and began: “Our firm prepared this for your father over a year ago. There’s a lot of boilerplate in there, sorry, but that’s always required.” Ramona, nervous and still red-eyed, said, “I’ll read it later. Please, just tell us what’s in the will.”

“Very well,” Mr. McGwyre said. “To skin it all down, each of you, Herschel and Ramona, gets 40 percent of the estate. Some of it’s outright, some of it’s tied up in trusts, but the bottom line is that you will inherit 80 percent of Mr. Hubbard’s estate.”

“And the other 20?” Ian demanded.

“Fifteen percent goes into trusts for the grandchildren, and 5 percent is an outright gift to the Irish Road Christian Church.”

“What’s in the estate?” Herschel asked.

Stillman Rush calmly replied, “The assets are substantial.”

When Lettie emerged half an hour later with a pot of fresh coffee, the mood had changed in startling ways. Gone was the nervousness, the anticipation, the initial round of gloom and loss, all replaced by a giddiness that only instant and unearned wealth can create. They had just won the lottery; now their only concern was how to collect it. With so much money floating around, the six clammed up immediately when Lettie appeared. Not a word was spoken as she poured the coffee. When the kitchen door closed behind her, all six began chattering away again.

Lettie was listening and growing more confused by the minute.

The will on the table named Lewis McGwyre as the executor of the estate, so not only did he prepare the will, but he also bore the principal responsibility for its probate and administration. The third lawyer, Mr. Sam Larkin, had been the principal business adviser to Seth and seemed quick to take credit for his incredible success. Larkin waxed on about one deal after another, regaling his audience with Seth’s fearless exploits when borrowing reckless amounts of money, or so it seemed. Turns out, Seth was smarter than them all. Only Ian tired of this narrative.

Mr. McGwyre explained that, since they were already in Ford County, they planned to run by the courthouse and file the necessary paperwork to initiate the probate proceedings. A notice to creditors would run in the county newspaper for ninety days and invite claims from anyone Seth might owe. Frankly, Mr. McGwyre said, he doubted if there were unknown creditors out there. Seth was aware of his impending death. The two had spoken less than a month earlier.

Stillman Rush said, “All in all, we see this as a fairly routine probate, but it will take time.”

More fees, thought Ian.

“In a few months we’ll submit to the court an accounting and inventory of all your father’s assets and liabilities. To do so, we’ll be required to hire a CPA firm, and we know several, to track down the assets. All real estate must be appraised. All personal property listed. It’s a process.”

“How long?” Ramona asked.

The three lawyers squirmed in unison, the usual reaction when an effort is made to solicit exact information. Lewis McGwyre, the most senior, shrugged and offered a noncommittal “I’d say twelve to eighteen months.”

Ian grimaced as he absorbed this and thought of all the loans coming due in the next six months. Herschel frowned while trying not to, while trying to act as though his bank accounts were stuffed and there was no pressure. Ramona shook her head angrily and asked, “Why so long?”

Mr. McGwyre replied, “Fair question.”

“Oh thank you.”

“Twelve months is not really a long time in these matters. A lot of groundwork has to be laid. Fortunately, your father had significant assets. Few estates do. If he’d died with nothing, then his probate could be complete in ninety days.”

“In Florida the average probate takes thirty months,” Mr. Larkin said.

“This ain’t Florida,” Ian said with a cold stare.

Stillman Rush added quickly, “And there is a provision in the law for partial distributions; that is, you might be allowed to take some of your share along the way, before the actual closing of the estate.”

“I like the sound of that,” Ramona said.

“Can we talk about taxes?” Ian insisted. “What’s the ballpark figure?”

Mr. McGwyre leaned back and confidently crossed his legs. Smiling and nodding, he said, “With an estate of this size, with no surviving spouse, the taxes would be brutal, slightly more than 50 percent. But, because of Mr. Hubbard’s foresight, and our expertise, we were able to arrive at a plan”—he lifted a copy of the will—“and by the use of some trusts and other devices we have reduced the effective tax rate to about 30 percent.”

Ian, the number cruncher, did not need a calculator. Twenty million and change in the net estate, minus 30 percent would knock it down to about $14 mill. Forty percent of that for his dear wife and their share would be around $5.6 million, give or take. And clean, no taxes since all of those nasties, state and federal, would be slapped onto the estate. At that moment, Ian and his various partners and companies owed a plethora of banks in excess of $4 million, about half of which was past due.

As Herschel’s internal calculator stuttered along, he caught himself humming under his breath. Seconds later, he too arrived at something around $5.5 million. He was so sick of living with his mother. And his kids—no more worries about tuition.

Ramona turned evil and cast a vicious smile at her husband. She said, “Twenty million, Ian, not too bad for, what did you like to call him, an uneducated logger.”

Herschel closed his eyes and exhaled while Ian said, “Come on, Ramona.” The lawyers were suddenly interested in their shoes.

She pressed on, “You won’t make twenty million in your entire life, and Daddy did it in ten years. And your family, with all the banks they once owned, never had that kind of money. Don’t you find that unbelievable, Ian?”

Ian’s mouth fell open and he could only stare at her. Alone, he would have certainly gone for her throat, but he was helpless. Be cool, he told himself as he fought his anger. Damn right you’d better be cool because that smirking bitch sitting five feet away is about to inherit several million, and though the money will probably blow up the marriage, there will be something for me.

Stillman Rush closed his briefcase and said, “Well, we need to be moving along. We’ll run by the courthouse and kick things off, and we’ll need to meet again very shortly, if that’s okay.” He was standing as he spoke, suddenly eager to leave the family behind. McGwyre and Larkin bounced up too, slapping closed their briefcases and making the same phony farewells. They insisted on showing themselves to the front, and were practically scrambling when they disappeared around the house.

After they left, there was a long, lethal vacuum of silence on the patio as all three avoided eye contact and wondered who would speak next. The wrong word could start another fight, or something worse. Finally, Ian, the angriest, asked his wife, “Why’d you say that in front of the lawyers?”

Herschel jumped in: “No, why did you say it, period?”

She ignored her brother and snarled at her husband, “Because I’ve been wanting to say it for a long time, Ian. You’ve always looked down on us, especially my father, and now, suddenly, you’re counting his money.”