She threw back her head and laughed. When she had recovered herself, she asked, “Why do you suppose Allison Manning is in Palm Beach?”

“I have no idea.”

They got back to Toscana around eleven and stood on the afterdeck, watching the moon come up.

“If you will forgive me,” she said, “I’m going to turn in. It was a long day, and I’ve had a lot to drink.”

“I’m hurt,” he replied, “but I’ll get over it.”

She leaned into him and kissed him, just long enough to be interesting; creamy lips, warm tongue. “Sleep well.”

“Now I won’t sleep at all,” Stone said.

“Oh, good,” she replied, then walked off toward her cabin.

Late the following morning, Stone borrowed Callie’s Jaguar, drove downtown and found a parking space on Worth Avenue. He arrived at Renato’s five minutes early and presented himself to the head-waiter. “I’m meeting a Mrs.Harding,” he said.

“Oh, yes,” the man replied. “We have you in the garden.” He led Stone to a table under overhanging bougainvillea and left a pair of menus. Stone sipped some mineral water and waited for Mrs.Winston Harding to appear. When she arrived, Stone choked on his mineral water. This, he had not been expecting.

She was only fashionably late, wearing blue slacks and a matching cashmere sweater, pearls at the neck, the very picture of the fashionable young matron. He tended to remember her in short shorts, with a shirt tied below her breasts, revealing an enticing midsection, and he tried to make the adjustment.

Stone stood to greet her. “Hello, Allison,” he said.

“Shhh,” she whispered, hugging him, her breasts pressing against him for an extra moment. “We don’t use that name here.”

He held her chair and ordered a cosmopolitan for her. “Brad,” she said to the headwaiter, “this is Stone Barrington. I’m sure you’ll be seeing more of him.”

The headwaiter shook Stone’s hand, then went to get her drink.

“So what is this Mrs.Winston Harding business?”

“That, my love, is my name these days. It’s good to see you.” She smiled, leaning forward to allow her breasts to be seen down the V-necked sweater.

“And you,” he said. “You disappeared over the horizon in that rented yacht, and I thought I’d never see you again. I’ve often wondered where you got to.”

“Oh, all over,” she said, smiling. “I’ve seen the world since last I saw you. I started with a cruise in the Pacific and the Far East, and I just kept going. A year later, I met Winston Harding in London, and a few weeks later we were married in Houston, his home. Winston was a property developer.”

“Was?”

“I’m a widow now.”

“My condolences. Was there insurance involved?”

She blushed a little. “That was an evil thing to say. He died of a heart attack. He was fifty-five.”

“My apologies.”

“But there was insurance involved, and a great deal else. Let’s order.”

She chose the poached salmon, and Stone the rigatoni with a sauce of wild boar sausage and cream. He ordered a bottle of Frascati.

“Well, Palm Beach must be the perfect spot for a wealthy widow,” Stone said.

“We bought the house the year after we were married,” she replied. “I hardly chose it for widowhood; it just worked out that way. Funny, it’s worth three times what Winston paid for it.”

“I’ve heard the market is hot.”

“And so am I,” she said. She stopped talking while their lunch was served. “In a manner of speaking,” she said, when the waiter had left.

“I should think you would have cooled off considerably,” Stone said. “After all, you’re dead.”

“Being dead has its advantages,” she said, “but if you run into someone you used to know, it can come as a shock to them.”

“Has that happened to you?”

“From time to time, but I’ve always managed to duck out before we came face-to-face.”

“I think I prefer you as a blonde, though.”

She laughed. “I’m probably the only redhead in Palm Beach with blond roots.”

“So you’re finding it a strain, being dead?”

“I’d rather be alive.”

“Well, there is the insurance company,” Stone said.

“That’s why I called you. I want you to represent me in squaring things with those people.”

Stone blinked. “You mean you want to give them back their twelve million dollars?”

“Of course not,” she said. “Well, not all of it. I thought you might negotiate a settlement. What do you think the chances are of that?”

“I think the insurance company would be very surprised to get any of their money back.”

“How little do you think I could give them?”

“Who knows? After they get over their initial shock, they’ll probably begin to wonder who wants to give it to them. After all, both the culprits are dead.”

“I read about your part in sending Paul back to St. Marks,” she said.

“I hope you derived some satisfaction from that,” Stone replied. “After all, he could have stopped your ‘execution’ at any time, and he didn’t.”

She shrugged. “Well, that’s all in the past, isn’t it?”

“Apparently not, if you’re still suffering the aftereffects.”

“Stone, I’ve always been an honest person. You mustn’t think I’m some sort of career criminal.”

“I don’t. I’ve always thought it was Paul’s idea to screw the insurance company.”

“It was. Of course, I went along with it, after he’d spent a few months persuading me. Who knew it would end the way it did?”

“Did you love him?”

“Oh, God, did I love him, and for years! It had begun to wear off, though, by the time we hatched the plot. My plan was to take half the money and kiss Paul goodbye.” She smiled. “That’s when I fell into your bed.”

“As I recall, it was your bed, but it hardly matters. I had just had the shock of my girl running off with somebody else, so I was easy.”

“Yes, you were,” she said, her voice low. “Maybe, now that I’m going to be legal again, we could see something of each other.”

Stone shook his head. “For the moment, all I can do is represent you in trying to put things right with the insurance company. If I spend any more time with you than that, then I’m a part of a criminal conspiracy.”

“But once I’m legal again…”

“That’s different.”

“I mean, I don’t want to start using my old name again, or anything like that. I just want to know that I can cross a border without popping up in some computer.”

“Not much chance of that, since you’re supposed to be dead.”

“I still have my old passport. I used it, until I married Winston, then I used my old birth certificate to get a new one.”

“Did he know about your past?”

She shook her head. “Not the bad part. I reinvented my life without Paul Manning, and he believed me. He was a dear soul. He never doubted me.”

“Well, I think you’re right to want to settle this thing with the insurance company. How high will you go?”

She looked thoughtful. “Five million?”

“I should think they’d be delighted to get that much back. They wrote off the money a long time ago. Can you afford it?”

“Oh, yes. I still had ten million when I met Winston, and he had a considerable estate. Also, the market has been very kind to me.”

“You’d need to square things with the IRS.”

“How?”

“I don’t know, maybe file an amended return. Get a good accountant and let him handle it. It’s worth the money to be righteous again.”

“Yes, I suppose it is.”

“Well, Allison… I’m sorry, what do you call yourself these days?”

“Elizabeth.”

“That’s nice. I…” Stone stopped. No, it couldn’t be.

“I’ve had to be so wary all the time. Only last weekend, I met the most interesting man, but he’s apparently pretty well known, and I just didn’t want to get into anything like that until I had my life in order, so I got all nervous and just walked away from him.”