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Liam found her smoking on the sidewalk after the set.

"I don't know what I'm doing here," she said. "Coming out here like this with Chloe at home. Paying a fortune for a babysitter when you play for me and Chloe almost every night."

"That's just practicing," he said. "It isn't a performance. There's no Morelli, no bass, no drums."

"I like it better," she said. "I like it better when it's just us."

"Well," he said, "you don't have to come to these places if you don't want to." He turned to go back inside and the motion reminded her of another day months earlier in a hospital in Utah, lying on her back in the maternity ward, the look in Daniel's eyes when he saw the baby for the first time and turned away from her. I am always disappointing the ones I love.

.

Li a m c a l l e d Anna from a van between Miami and Sebastian on the morning of Chloe's first birthday. He'd gone to Florida to visit his mother and play a few gigs with Morelli— the Lemon Club in Sebastian, two places in Miami, stops in Celebration and Sarasota. She'd almost gone with him but it still seemed too soon. The thought of traveling with Chloe again was exhausting and her nerves overcame her at the last moment. She imagined Paul lying in wait for her among the palm trees. In Liam's absence the city was vast and gray and empty, an unformed mass pressed up against the neighborhood. She stayed close to the sea.

"I wish you'd come with me," he said.

"It isn't safe."

"I think if Paul were still looking," Liam said, "he would have found us by now."

"You don't think he's looking anymore?"

"I don't," Liam said. "I don't think it's that much money for a guy like him. Anna, you'll never guess who I ran into down here. Jack came to my gig in Sebastian."

"Jack's back in Florida?"

"He dropped out of school," Liam said. "A few weeks after I picked you up in Virginia. He came to see me at the Lemon Club."

"How is he?"

"He seems a little shaky, actually. How's everything over there, love?"

"Fine, completely fine. We're heading out to the beach."

"Give her a happy-birthday kiss for me," he said. She did, while she was bundling Chloe into the stroller.

Anna took Chloe down to the boardwalk. They walked for a while alongside the sea. It was November but the day was unseasonably warm. Anna eased the stroller off the boards and pushed it with great difficulty toward the water, until they were halfway between the boardwalk and the waves. The sand rising over the wheels, impossible to go farther. She knelt to free Chloe from the buckles and straps.

"Want to walk on the sand?" she asked Chloe, who was staring mesmerized over her shoulder. Chloe pointed and cried out "Wucks!" which meant ducks, which was her go-to word for birds of any kind. There were seagulls on the beach today, congregating around a dropped sandwich. Anna pulled Chloe's hat down over her ears, maneuvered her chubby hands into her mittens. " Happy birthday," she said. "I am so glad you're here."

Chloe looked at her and for an instant Anna was certain she understood.

"I would do anything for you," Anna whispered, but the moment had passed and Chloe was squirming now, kicking to be let out of the stroller. Anna lifted her free. They walked on the sand together, Chloe shrieking and laughing at the movement of seagulls and Anna holding Chloe's hand.

Eighteen

Awoman called Gavin a vulture once. She'd signed a bad mortgage and she was coming undone. He sensed her derangement as he came into her house, a tension in the air as in the hour before an electrical storm. She was pinch-faced and furious, sweating in her kitchen in a dress with an enormous flower pattern that reminded him of the curtains in his first apartment. He'd been working for Eilo for some weeks now and had decided that the people who'd done this to themselves were the angriest. The ones who were losing their houses because they'd already lost their jobs were despairing. The ones who were losing their houses because they hadn't understood their mortgages wanted to kill him.

". Just a bloodsucking leech," the woman said, at the end of an extended tirade.

"A leech." Gavin was trying to keep his voice mild. "A moment ago you said I was a vulture."

"I'm going to be homeless," she said, "and you're making money off me."

He couldn't argue with this. The arguments Eilo had given him— You're performing a necessary service for a legitimate financial institution, if we don't do this someone else will, it was their responsibility to pay their mortgages and they didn't, etc. — seemed weak as he stood in this peach-and-blue kitchen on a cul-de-sac near his old high school. He looked down at the papers in his hands.

"Perhaps," he said, "you were given bad advice when you signed the loan."

"Perhaps," she said, "you should get the fuck out of my kitchen."

"The next person after me will be a sheriff's deputy," he said. "I'm authorized to offer you—"

"I don't want your cash-for-keys deal. I want the people who are doing this to me to go to prison for the rest of their unnatural lives." Her voice had risen. He saw movement in the doorway. A small child was staring at him. The child's eyes were very large and there seemed to be applesauce on his face.

"I see," he said.

"Including you," she said, although she was losing steam now. There were tears in her eyes. "People like you should probably just die in prison."

"No one did this to you," Gavin said. "You did this to yourself." She was sputtering at him when he left. He drove four blocks, pulled over on a side street and spent some time staring at nothing, at pale stucco houses and close-cut lawns, each house its own kingdom with souls passing through. There were moments when he thought there might be something hidden in his job, some as-yet-ungrasped larger meaning amid all these people, their fear and their sadness and their disappearing homes, but mostly his work just made him dislike houses. These enormous anchors that people tied to their lives.

.

A f e w weeks after his arrival Gavin moved to Sebastian's empty downtown core. It was unclear to him how these streets had become so vacant, why everyone had decided that their fortunes lay on the perimeter, in an ever-expanding sprawl of split-level houses with screened-in back decks and kidney-shaped swimming pools and azaleas and snakes.

"Snakes?" Eilo repeated, in the car on the way to his new apartment with all his worldly belongings in the backseat. She wanted to see his new place. She didn't understand why he was moving.