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‘It has been a great blow to us,’ she said. ‘Almost like a death. A dreadful loss for Clemence.’ This was a strange thing to say. Why so much more to the elder girl? Except perhaps that Cara had her fiance to distract her. Unless the diamonds were intended for Clemence in the long term, as the elder child. But would not ‘The Duffy Diamonds’ have to stay in the Duffy family, entailed on some male somewhere? Even I couldn’t ask any of this.

‘And have the police got anywhere yet?’ was what I settled for.

‘The police?’ she said, with a slight shriek. Clemence raised her head on the other side of the room and gave me a very fair copy of her mother’s basilisk stare, a look which belied her friendly words of minutes before. What was wrong with these people?

‘Of course, it must be horrid for you to have them tramping around,’ I said, smiling across at Clemence and keeping my voice low, ‘but think how wonderful, if they got to the bottom of it all.’

‘The police,’ said Lena Duffy again, quieter but no less witheringly, ‘have not been called in. And I very much hope that they never will be.’ I could quite concur with this, for with the police tends to come the press and no one welcomes the indignity of having their misfortune devoured by the jealous and therefore triumphant masses. But I knew enough to know that unless the police were called to investigate there was no way the insurance company would pay up and so… My thoughts snagged as an idea spread through me. Could someone be so desperate to avoid publicity that she thought it worthwhile to coerce Silas and Daisy into making good her loss, instead of just going to the police and claiming the insurance? Could anyone be so selfish? The Duffy jewels were fabulously, spectacularly precious, worth more than the rest of Mr Duffy’s estate put together we always believed, and there was no way on earth that Silas and Daisy, rich though they were, could afford to replace them. I could think of nothing to say, but some of my incredulity must have shown in my face and she spoke again.

‘Naturally we assumed that Silas meant to do the right thing. That is why we came today. It is galling indeed, then, when I hoped that my husband and he might talk things over in peace and quiet, to find ourselves being expected to help entertain these persons. We of all people who put our faith in him, to be asked to aid Daisy in providing a pleasant visit for these financiers, to support Silas in his pursuit of even further success for the very institution which will not honour its commitments. I know the world has changed, my dear, but it is a great shock and a sadness to my husband and me to find out how much.’ It took me a minute or two to digest all of this and even when I had, I could not believe I understood her.

‘Do you mean to say that the jewels were insured with Esslemont Life?’ I asked, knowing my voice had risen to a squeak. Mrs Duffy inclined her head.

‘And I was naïve enough to believe that might make a difference,’ she said.

I do not know that I should ever have called her naïve, but I could sympathize. Even if no member of the Esslemont household had actually stolen the jewels, Silas could surely have smoothed things through. He must own Esslemont Life outright since the death of his father, although I had a vague notion that owning companies was not like owning farms and woods. I had heard Hugh huffing on about something called limited liability which he appeared to think of as a kind of swindle and I had inhaled a morsel of watercress sandwich once when Daisy had said that Silas’s sisters were his sleeping partners, and had had to be banged on the back. So my understanding of high finance was uncertain, but I was sure that if you owned the company you could do more or less whatever you liked. The only possible reason for Silas to insist on the police – if indeed he was insisting – would be if he hoped to wriggle out of paying at all, and even if he felt no personal obligation over the theft, surely he had too much honour for that. And why had Daisy not told me this? Did she know herself? I suddenly hoped not.

‘It’s unbelievable,’ I said at last to Mrs Duffy. ‘I can’t believe it of Silas. Even on his own terms, as a businessman I mean, surely he can see that this will destroy him. A theft in his house is bad enough, but this!’

‘The theft in this house is not the half of it, Dandy dear,’ said Lena. ‘And Silas knows that. Not that the evidence isn’t clear on that point. It is, as I could tell you in plain words if propriety did not demand otherwise. Very clear. But even setting that aside, there are other things I happen to know, which I am sure Silas wishes I didn’t.’ Her voice had sunk to a spiteful mutter, and I squirmed.

‘There’s no need to say anything more,’ I said, praying that she would not. I loathe confidences. ‘No need for plain words. What you’ve told me already would sink Silas for ever with anyone who matters.’

She turned to me, turned fully, and it was perhaps owing to old-fashioned corsetry but it nevertheless gave the impression that she was sizing me up. Then she seemed to soften.

‘Who matters to you and to me, my dear,’ she said, with a significant glance at Daisy and a shake of her head, ‘may not be anyone who matters to others.’

‘Well, then you shall just have to be businesslike and call the police in,’ I said. ‘Even though it will be beastly. And you can pack your things and leave here in the morning. Tonight even. There is no earthly reason for you to feel you should have to stay. Unspeakable cheek.’

She hesitated then, just for a moment. ‘There is an irregularity,’ she said. ‘With the paperwork. Nothing that Silas could not put right had he sufficient will to do so. But enough of an irregularity to mean that unless this can be handled as a matter of honour between friends then it cannot be handled at all.’

‘Oh, but paperwork!’ I said. ‘How could that matter?’

Mrs Duffy looked discomfited and chewed her lip for quite some time before she answered. When she did it was with the distant chilliness of one who feels her dignity will not withstand her words.

‘It is possible that a back-dated premium payment now could be misconstrued,’ she said.

I groaned to myself. So Mr Duffy had allowed the insurance to lapse. It was hard to believe when one thought of the staggering value of the diamonds, but then I suppose that was rather the point. The premium must have been vast and the Duffys were in the same boat as we all were, with two of their houses closed despite all their ships and their forests in Ontario. Still, as she said, between friends it should make no difference at all, and if Silas traded on friendship to his own benefit as he most certainly did – this house party being just one example of it – then friendship, if not common decency, should see to it that he did what was not to his own advantage too.

‘Would you like me to speak to Daisy?’ I said. ‘Perhaps if just one of her friends makes it clear how shockingly we think Silas is behaving? Perhaps they are sunk so deep in with bankers and accountants and goodness knows what grubby little moneybags, that they can’t see what this would mean.’ I was quite sincere. My view of the proceedings had shifted one hundred and eighty degrees and I was very angry. I had been taken advantage of and Daisy had barely even bothered to hide it. She had said quite openly it was my denseness and resulting artlessness that were what she needed. Lena Duffy was smiling at me and nodding. It was the calmest and least complicated expression I had ever seen on her face, and I swelled slightly with righteous pride to think that I had put it there.

‘You are very good, my dear,’ she said. ‘But, if you do, please make it plain that we are not expecting an instant payment of the whole amount. That would be far too much of a strain, even for the Esslemonts. Something now, and then a regular sum… I’m sure we can come to an arrangement.’