“First, we got the insurance racket under way. Elder managed that, with three or four assistants. Between them they became agents of half the insurance companies in the country, and they began to plaster Izzard with policies. Men who had never lived were examined, insured, and then killed – sometimes they were killed on paper, sometimes a real man who died was substituted, and there were times when a man or two was killed to order. It was soft! We had the insurance agents, the doctors, the coroner, the undertaker, and all the city officials. We had the machinery to swing any deal we wanted! You were with Kamp the night he was killed! That was a good one. He was an insurance company sleuth – the companies were getting suspicious. He came here and was foolish enough to trust his reports to the mail. There aren’t many letters from strangers that get through the post office without being read. We read his reports, kept them, and sent phoney ones out in their places. Then we nailed Mr. Kamp, and changed his name on the records to fit a policy in the very company he represented. A rare joke, eh?
“The insurance racket wasn’t confined to men – cars, houses, furniture, everything you can insure was plastered. In the last census – by distributing the people we could count on, one in a house, with a list of five or six names – we got a population on the records of at least five times as many as are really here. That gave us room for plenty of policies, plenty of deaths, plenty of property insurance, plenty of everything. It gave us enough political influence in the county and state to strengthen our hands a hundred per cent, make the game safer.
“You’ll find street after street of houses with nothing in them out of sight of the front windows. They cost money to put up, but we’ve made the money right along, and they’ll show a wonderful profit when the clean-up comes.
“Then, after the insurance stunt was on its feet, we got the promotion game going. There’s a hundred corporations in Izzard that are nothing but addresses on letterheads – but stock certificates and bonds have been sold in them from one end of these United States to the other. And they have brought goods, paid for them, shipped them out to be got rid of – maybe at a loss – and put in larger and larger orders until they’ve built up a credit with the manufacturers that would make you dizzy to total. Easy! Wasn’t Brackett’s bank here to give them all the financial references they needed? There was nothing to it; a careful building-up of credit until they reached the highest possible point. Then, the goods shipped out to be sold through fences, and – bingo! The town is wiped out by fire. The stocks of goods are presumably burned; the expensive buildings that the out-of-town investors were told about are presumably destroyed; the books and records are burned.
“What a killing! I’ve had a hell of a time stalling off the syndicate, trying to keep them in the dark about the surprise we’re going to give them. They’re too suspicious as it is for us to linger much longer. But things are about ripe for the blow-off – the fire that’s to start in the factory and wipe out the whole dirty town – and next Saturday was the day we picked. That’s the day when Izzard becomes nothing but a pile of ashes – and a pile of collectable insurance policies.
“The rank and file in town won’t know anything about the finer points of the game. Those that suspect anything take their money and keep quiet. When the town goes up in smoke there will be hundreds of bodies found in the ruins – all insured – and there will be proof of the death of hundreds of others – likewise insured – whose bodies can’t be found.
“There never was a bigger game! But it was too big for us! My fault- some of it – but it would have burst anyway. We always weeded out those who came to town looking too honest or too wise, and we made doubly sure that nobody who was doubtful got into the post office, railroad depot, telegraph office, or telephone exchange. If the railroad company or the telegraph or telephone company sent somebody here to work, and we couldn’t make them see things the way we wanted them seen, we managed to make the place disagreeable for them – and they usually flitted elsewhere in a hurry.
“Then the telegraph company sent Nova here and I flopped for her. At first it was just that I liked her looks. We had all sorts of women here – but they were mostly all sorts – and Nova was something different. I’ve done my share of dirtiness in this world, but I’ve never been able to get rid of a certain fastidiousness in my taste for women. I – well, the rest of them – Brackett, Ormsby, Elder, and the lot – were all for giving Nova the works. But I talked them out of it. I told them to let her alone and I’d have her on the inside in no time. I really thought I could do it. She liked me, or seemed to, but I couldn’t get any further than that. I didn’t make any headway. The others got impatient, but I kept putting them off, telling them that everything would be fine, that if necessary I’d marry her, and shut her up that way. They didn’t like it. It wasn’t easy to keep her from learning what was going on – working in the telegraph office – but we managed it somehow.
“Next Saturday was the day we’d picked for the big fireworks. Ormsby gave me the call yesterday – told me flatly that if I didn’t sew Nova up at once they were going to pop her. They didn’t know how much she had found out, and they were taking no chances. I told him I’d kill him if he touched her, but I knew I couldn’t talk them out of it. Today the break came. I heard he had given the word that she was to be put out of the way tonight. I went to his office for a showdown. Brackett was there. Ormsby salved me along, denied he had given any order affecting the girl, and poured out drinks for the three of us. The drink looked wrong. I waited to see what was going to happen next. Brackett gulped his down. It was poisoned. He went outside to die, and I nailed Ormsby.
“The game has blown up! It was too rich for us. Everybody is trying to slit everybody else’s throat. I couldn’t find Elder – but Fernie tried to pot me from a window; and he’s Elder’s right-hand man. Or he was – he’s a stiff now. I think this thing in my chest is the big one – I’m about – but you can get the girl out. You’ve got to! Elder will go through with the play – try to make the killing for himself. He’ll have the town touched off to-night. It’s now or never with him. He’ll try to -“
A shriek cut through the darkness.
“Steve! Steve! Steve!!!”
Steve whirled away from the gate, leaped through flowerbeds, crossed the porch in a bound, and was in the house. Behind him Larry Ormsby’s feet clattered. An empty hallway, an empty room, another. Nobody was in sight on the ground floor. Steve went up the stairs. A strip of golden light lay under a door. He went through the door, not knowing or caring whether it was locked or not. He simply hurled himself shoulder-first at it, and was in the room. Leaning back against a table in the centre of the room, Dr. MacPhail was struggling with the girl. He was behind her, his arms around her, trying to hold her head still. The girl twisted and squirmed like a cat gone mad. In front of her Mrs. MacPhail poised an uplifted blackjack.
Steve flung his stick at the woman’s white arm, flung it instinctively, without skill or aim. The heavy ebony struck arm and shoulder, and she staggered back. Dr. MacPhail, releasing the girl, dived at Steve’s legs, got them, and carried him to the floor. Steve’s fumbling fingers slid off the doctor’s bald head, could get no grip on the back of his thick neck, found an ear, and gouged into the flesh under it.