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It was not just picking up and returning delinquent cars and boats, but sometimes children, who legally belonged to the other parent. Sometimes it got ugly, and although Steve was a big man and not easy to push around, the firm thought it prudent to get him a private investigator’s license and a permit to carry a concealed weapon. Half the men in Florida own guns, his boss said, and more than half of the men who break the law.

Steve was no stranger to guns. Like most combat infantrymen, he had carried one everywhere; even eating and sleeping, it was never more than an arm’s length away. It had been a comfort, even though he never fired it at anybody, and ultimately it didn’t protect him from the enemy. On what turned out to be his last day in the army, an IED, improvised explosive device, filled both his legs with shrapnel in the form of dirty rusty nails and screws that had been mixed with human feces. He eventually recovered enough to finish pre-law and law school and join his father’s firm—and then get tired of the other employees’ attitudes and move to Florida.

He picked up a snub-nosed .38 Special, not very accurate or powerful, but small. He also got a 9-mm Beretta like the one he had carried in the army, but that size cannon is hard to conceal in light summer clothes. He’d never fired either one except at an indoor range in the local gun shop. The first of every month, he’d go there and run a couple of dozen rounds through each one.

After about a year, he proposed to Arlene and was overjoyed when she accepted. His mother sent a $250,000 “nest egg” check and his boss promoted him to full partner.

A couple of weeks later the boss sent him to the university law library in Gainesville to do a few days’ research in tax law, and when he came back, the firm’s office had a FOR LEASE sign on the door. He went home and found annulment papers on the kitchen table. His new wife had taken his new car and cleaned out their joint bank account. All their credit cards maxed for cash. The $2,000 rent was due, and he had less than a hundred bucks in his pocket.

The two disasters were not unrelated. She’d gone to Mexico with the boss and all the firm’s liquid assets.

His parents’ unlisted number was no longer in service. In the waiting mail, there was a note from his mother saying that Dad was furious about the unauthorized $250,000 gift, but he would get over it. Maybe not, Mom, under the circumstances.

The man who came to repossess the furniture, a fellow Steve had worked with a few times, was sympathetic and bought his old pickup truck. He also sold the expensive Beretta and his Lance Armstrong road bike, keeping the .38 Special and the rusty beach bike he kept for riding on the sand. With some reluctance, he sold his state-of-the art iLap, after downloading its files into a winkdrive. That gave him enough money to renew his PI license and rent a one-room office with a foldout couch. He had some cards printed up, whimsically calling himself “Spenser for Hire,” and took out an ad in the weekly advertiser.

He’d been bicycling an hour or so a day, before work, both as therapy for his legs and to cut down on his smoking. He didn’t desire tobacco while he was on the bike, so with no money for cigarettes and plenty of time on his hands, he started bicycling constantly. If he could give up a dangerous habit, one good thing would come out of this debacle.

Two good things, actually. For better or for worse, he was finally free of his father.

He got into a routine. He’d get out of bed at first light and take off on the bike for a long loop south of Daytona Beach and back, using his cell to check for calls back at the office every hour or so. There were never any really interesting calls, maybe one repo deal a week, but it did keep him from smoking. When he got home after sixty or seventy miles he would collapse into bed, where he also didn’t smoke. He got to where he didn’t even fold it back into a couch.

Some of the areas he biked through were not particularly safe, so he usually carried the .38—not in the shoulder holster, which would be a little conspicuous in a T-shirt, but in an innocuous zippered bag in his front basket. He had two big rear baskets for groceries, and he took to filling them up with aluminum cans, tossed from cars, worth about two cents apiece. It amused him to be beautifying the environment in exchange for lunch money.

After about a month of this, he was pedaling along with a few days’ beard, old shabby clothes, on a squeaky rusty bike loaded down with trash, and a young cop stopped him and asked whether he could produce evidence that he shouldn’t be arrested for vagrancy. In fact, he had left his wallet at home, so he didn’t have any ID or money, but he did unfortunately have a gun, and the young fellow didn’t want to listen to a lecture about unlawful search and seizure, least of all from a vagrant who claimed to be a lawyer.

Back at the police station, fingerprints and a retinal scan quickly verified he was Stephen Spenser, a lawyer with a PI ticket and a gun license. Why was he biking around looking like a penniless bum? A police reporter who was loitering around the station overheard some of that, and asked whether he would trade an interview for a steak dinner. Good human interest story, and it might drum up some business for Spenser for Hire.

The steak, at the local Denny’s, wasn’t too bad, but the story made him wince. It was in the Sunday edition of the Daytona Beach paper, leading off the People section. There was a big picture of him above the fold, scarfing up that cheap steak like a starving hobo. The story was sympathetic but condescending. He almost went out for a pack of Winstons.

But the story had his phone number, and that would change his life.

He read through the rest of the paper and was about to get on his bike when the phone rang. It was a man named Bayer Steinhart, who said he might have a job for a private investigator with a gun and a bicycle. Could they meet this morning? He gave an Ormond Beach address on A1A—Millionaire’s Row—and Steve said he could be there at ten thirty.

He put on some decent clothes and pedaled south, going down the A1A sidewalk. He stopped and stared at the ocean just long enough to be five minutes late. It wouldn’t do to appear too pathetically eager.

It was a mansion with architecture so idiosyncratic that Steve had stopped to look at it before. It was in the style of the twentieth-century Spanish architect Gaudí, the corners flowing as if melted. Fantastic gargoyle ornamentation. The lawn featured topiaries of unicorns and dragons, and there was a fountain where three beautiful nudes, life-sized and meticulously accurate, embraced laughing. The three Graces, having a better time than usual.

So the man had a surplus of money and a shortage of taste. Steve could live with both.

An attractive black maid a little older than Steve answered the door and escorted him through the house to a terrace that overlooked the ocean. Not too many people on the beach yet. Mr. Steinhart was scanning the horizon with a compact Questar telescope. Steve recognized it; his father owned one. They were built like a Swiss watch but cost considerably more.

He was wearing faded jeans and a light flannel shirt. Forty or fifty years old. As tall and muscular as Steve, he shook hands gently.

Without preamble: “One thing the article didn’t say. When you were betrayed and lost everything, why didn’t you just find a position with another firm? Law degree from Princeton?”

“I don’t like lawyers. I’ve been around them all my life, and really wanted to do something else.”