"The canceled checks are in the other drawer. Ken kept them divided by year."
Damn! Reynolds kept her financial records stuffed in an assortment of drawers in her bedroom and even in the garage. Tax time at the Reynolds household was an accountant's worst nightmare.
"Anne, I know you have company. I can look through these by myself."
"You can take them with you if you want."
"If you don't mind, I'll look at them here."
"Okay. Would you like something to drink or eat? Lord knows we've got plenty of food. And I just put on a fresh pot of coffee."
"Actually, coffee would be great, thanks. Just a little cream and sugar."
Anne suddenly looked nervous. "You still haven't told me if you found out anything."
"I want to make absolutely sure before I say anything. I don't want to be wrong." As Reynolds looked into the poor woman's face, she felt tremendous guilt. Here she was letting the man's wife unknowingly assist her in possibly tarnishing her husband's memory.
"How are the kids holding up?" Reynolds asked, doing her best to shake this traitorous feeling.
"How any children would be, I suppose. They're sixteen and seventeen, so they understand things better than a five-year-old would. But it's still hard. For all of us. Only reason I'm not still bawling is that I ran out of tears this morning. I sent them to school. I decided it couldn't be any worse than sitting around here while a parade of people came through talking about their dad."
"You're probably right."
"You can only do the best you can. I knew there was always the possibility. God, Ken was an agent for twenty-four years. The only time he ever got hurt on duty was when his car got a flat and he wrenched his back changing the tire." Anne smiled briefly at this memory. "He was even talking about retirement. Maybe moving away when the kids were both in college. His mother lives in South Carolina. She's getting to the age where she needs some family close by."
Anne looked like she might start crying again. If she did, Reynolds wasn't sure she wouldn't join her, given her own mental state right now.
"You have children?"
"Boy and girl. Three and six."
Anne smiled. "Oh, still babies."
"I understand it gets tougher as they get older."
"Well, let's put it this way, it gets more complex. You go from spitting, biting, potty-training, to battles over clothes, boys, money. About age thirteen they suddenly can't stand being around Mom and Dad. That one was tough, but they finally came back. Then you worry yourself sick over alcohol and cars and sex and drugs."
Reynolds managed a weak smile. "Gee, I can't wait."
"How long have you been with the Bureau?"
"Thirteen years. Joined after one incredibly boring year as a corporate lawyer."
"It's a dangerous business."
Reynolds stared at her. "It certainly can be."
"You're married?"
"Technically, yes, but in a couple of months, no."
"Sorry to hear that."
"Believe me, it's best all around."
"You're keeping the children?"
"Absolutely."
"That's good. Children belong with their mothers, I don't care what the politically correct folk say."
"In my case, I wonder—I work long, unpredictable hours. All I know is that my children belong with me."
"You say you have a law degree?"
"From Georgetown."
"Lawyers make good money. And it's not nearly as dangerous as being an FBI agent."
"I suppose not." Reynolds finally realized where this was going.
"You might want to think about a career change. Too many nuts out there now. And too many guns. When Ken started at the Bureau, there weren't kids just out of diapers running around with machine guns shooting people down like they were in some damn cartoon."
Reynolds had no answer for that. She just stood there hugging the notebook to her chest, thinking of her kids.
"I'll bring your coffee."
Anne closed the door behind her and Reynolds sank into the nearest chair. She was having a sudden vision of her body being put inside a black pouch while the palm reader delivered the bad news to her bereaved children. I told your mother so. Shit! She shook off these thoughts and opened the notebook. Anne returned with her coffee, and then, left to herself, Reynolds made considerable progress. What she found out was very disturbing.
For at least the last three years, Ken Newman had made deposits, all in cash, to his checking account. The amounts were small—a hundred dollars here, fifty there—and they were made at random times. She pulled out the log Sobel had given her and ran her eye down the dates Newman had visited the safe-deposit box. Most of them corresponded with the dates he had also deposited cash into his checking account. Visit the box, put fresh cash in, take some old cash out and deposit it in the family bank account, she surmised. She also figured he would have gone to another bank branch to deposit the money. He couldn't very well take cash out of his box as Frank Andrews and deposit it as Ken Newman, all at the same branch.
It all added up to a significant amount of money, yet not a vast fortune. The thing was, the total balance of the checking account was never very large because there were always checks written on the account that depleted this balance. Newman's FBI payroll checks were on direct deposit, she noted. And there were numerous checks written to a stock brokerage firm. Reynolds found those records in another file drawer and quickly determined that while Newman was far from wealthy, he'd had a nice stock portfolio going, and the records showed he religiously added to it. With the long bull market still steaming along, his investments had grown considerably.
Except for the cash deposits, what she was looking at wasn't really that unusual. He had saved money and invested it well. He wasn't wealthy, but he was comfortable. Dividends from the investment account were also deposited to the Newmans' checking account, further muddling the income picture. Simply put, it would be difficult to conclude that there was anything suspicious about the agent's finances unless one really took a very close look. And unless one knew about the safe-deposit box cash, the amount of money seemingly at issue just didn't warrant that level of scrutiny.
The confusing thing was the amount of cash she had seen in the safe-deposit box. Why keep that much in the box where it was earning no interest? What puzzled her almost as much as the cash was what she wasn't finding. When Anne came to check on her, she decided to ask her directly.
"I'm not finding any mortgage or credit card payments recorded here."
"We don't have a mortgage. That is, we did, a thirty-year one, but Ken made extra payments and finally paid it off early."
"Good for him. When was that?"
"About three or four years ago, I think."
"What about credit cards?"
"Ken didn't believe in them. What we bought, we bought with cash. Appliances, clothes, even cars. We never bought new, only used."
"Well, that's smart. Saves a ton in finance charges."
"Like I said, Ken was really good with the money."
"If I'd known how good, I would've had him help me."
"Do you need to look at anything else?"
"One more thing, I'm afraid. Your tax returns for the last couple of years, if you have them."
The large amount of cash in the box made sense now to Reynolds. If Newman paid cash for everything, then he would have no need to deposit it in his checking account. Of course, for things like the mortgage, the utilities and the phone bill, he needed to write a check, so he would have to deposit cash to cover those checks. And this also meant that for the money he didn't deposit into his checking account there was no record that he ever had the money in the box at all. Cash was cash, after all. And that meant that the IRS would have no way of knowing Newman ever had it either.