It was a swell year.

In January, her boss, Mike Trevalyan, sent Dora up to Boston to look into a claim on a homeowners' policy. This yuppie couple had gone to New York for the weekend and returned Sunday night to find their condo looted. They said. All their furniture and paintings had disappeared. They had made a videotape to record their possessions, and wanted the Company to fork over the full face value of the policy: $50,000.

It took her two days to discover that the yuppies were bubbleheads with a fondness for funny cigarettes. Every piece of furniture in their pad, every painting, had been leased; they didn't own a stick. They thought all they'd have to do was take out an insurance policy, pay the first year's premium, sell off their rented furnishings, and file a claim. Hah!

In February, Dora went to Portland to investigate a claim on a quilt factory that had been totaled by an early-morning fire. The local fire laddies couldn't find any obvious evidence of arson, but the quilt company was having trouble paying its bills, and that two-mil casualty policy the owner carried must have looked mighty sweet.

It took her a week to figure out how it had been done. The boss had pulled a wooden table directly under a low-hanging light bulb. He had heaped the table with cotton batting. Then he had draped the 150-watt bulb with gauze, switched on the light, and strolled away, humming "Blue Skies." The heat of the bulb ignited the gauze, which fell onto the batting, and eventually the whole factory was torched.

In April, she went to Stamford to look into a claim for the theft of a Picasso pencil sketch from a posh art gallery. The drawing was valued at $100,000. She was in Stamford less than a day when the Company got a phone call from a man claiming to be the thief and offering to sell the artwork back for twenty-five grand. Trevalyan called Dora and told her to liaise with the FBI.

After several phone calls, she set up a meet with the crook in a shopping mall parking lot. She handed over the marked cash, received the drawing, and the FBI moved in. The artwork turned out to be a fake, and the "thief" turned out to be the lover of the art gallery owner who had filed the claim. He had engineered the whole deal and had the real Picasso sketch in his safe deposit box.

In May and June, every claim Dora investigated was apparently on the up-and-up. Everyone seemed to be honest, and it worried her; she feared she had overlooked something.

But things got back to normal in July.

It happened just outside of Providence at the summer home of a Wall Street investment banker. His wife said there had been a power failure shortly before midnight. The banker stumbled around in the darkness, found a flashlight, and started down the basement stairs to check the circuit breakers. The wife heard him shriek and the sound of his fall. A few moments later the lights came back on, and she had hurried to the basement to find her husband crumpled at the foot of the stairs. Broken neck. Very dead.

Dora got there a day after it happened, and the wife's story sounded fishy to her. It took on a more profound piscine scent when she noted, and pointed out to the investigating detectives, that although all the electric clocks in the house showed a loss of about twenty minutes, corroborating the wife's tale, the timing clock on their VCR hadn't been reset and showed the power had gone off at 9:30 P.M. that evening.

Questioning of neighborhood yentas suggested that the wife had been having a torrid affair with their part-time gardener, a husky youth who studied the martial arts and frequently competed in karate tournaments. The gardener might have been physically strong, but there was little between his ears. He broke first and admitted he had taken part in a murder plot devised by the wife.

She had smuggled him into the basement late that afternoon while her husband was out playing croquet. At 9:30 P.M., the lover cut the power at the main switch. The banker came cautiously down the basement stairs. The gardener caught his ankle and after he fell, broke his neck. Power was restored, and they let the electric clocks show a lapse of twenty minutes. But they forgot about the VCR timer. Their motive? The banker's life insurance, of course. And love, Dora supposed.

In September, she went to Manhattan where a local politico claimed his Hatteras 37 Convertible had been stolen from the 79th Street boat basin. It took Dora less than a week to discover he had given the yacht to his ex-mistress, a vengeful woman who had threatened to talk to the tabloids about his bedroom peccadilloes. These included, she said, a fondness for wearing her lingerie-and she had the Polaroids to prove it.

Dora found the boat moored at City Island. The ex-mistress had changed the name on the transom from Our Thing to My Thing.

October was filled with a number of routine cases, but in November Dora investigated the claim of a wizened dealer in autographs and signed historical documents. He said the gems of his collection, several rather raunchy letters from Samuel Clemens to his brother, had been stolen from his shop. The Worcester police told Dora that the store showed every evidence of a break-in, but they couldn't understand why other valuable items on display hadn't been taken, unless it was a contract burglary: The thief had been paid to lift the Mark Twain items and none others.

Dora came close to okaying the claim until she noticed ("You're a pain in the ass," Mike Trevalyan had once told her, "but you're observant as hell") that the office walls in the dealer's musty shop had recently been repapered. It seemed strange that the dealer would spend money to brighten his private sanctum while the remainder of his store looked like the loo in the House of Usher.

She hired a local PI with more nerve than scruples, and one dark night they picked the front door lock of the dealer's shop. It took them less than a half-hour to find the Samuel Clemens letters, in plastic slips, concealed beneath the new wallpaper in the back office. It turned out that the dealer was suffering a bad case of the shorts, having conceived an unholy passion for a tootsie one-third his age whose motto was "No pay, no play."

Dora returned home to Hartford to find her husband, Mario Conti, planning their Thanksgiving Day dinner. He had been a long-haul trucker when she married him, but had since been promoted to dispatcher. However, his real kingdom was the kitchen. He loved to cook and had the talents of a cordon-bleu, which was why Dora, who stood five-three in her Peds, usually weighed 150 pounds (or 145 during semimonthly diets). But Mario had never called her "dumpling" or "butterball," the darling man.

"Tacchino di festal" he cried, and showed his shopping list.

"Salami?" she said, reading. "And sweet sausage? With turkey?"

"For the stuffing," he explained. "Trust me."

"Okay," she said happily.

They invited twelve guests, family and friends, and the dining room of their snug cottage was crowded. But everyone praised the turkey as Mario's masterpiece, and the numerous side dishes and gallons of jug wine made for a real festa.

There was enough food left over, Dora figured, for two more dinners, but it was not to be. Trevalyan called on Friday morning, although it was supposed to be a holiday.

"Better pack," he said, "and get down to the office. I'll brief you here."

"Where am I going?" she asked.

"Manhattan."

"For how long?"

"As long as it takes."

"How much is involved?"

"Three million," he said. "Whole life."

"Wheel" Dora said. "Natural death?"