2

Seventeen days later Jack Reacher was in Portland, Oregon, short of money. In Portland, because he had to be somewhere and the bus he had ridden two days previously had stopped there. Short of money, because he had met an assistant district attorney called Samantha in a cop bar, and had twice bought her dinner before twice spending the night at her place. Now she had gone to work and he was walking away from her house, nine o’clock in the morning, heading back to the downtown bus depot, hair still wet from her shower, sated, relaxed, destination as yet unclear, with a very thin wad of bills in his pocket.

The terrorist attacks of September 11th, 2001, had changed Reacher’s life in two practical ways. Firstly, in addition to his folding toothbrush he now carried his passport with him. Too many things in the new era required photo ID, including most forms of travel. Reacher was a drifter, not a hermit, restless, not dysfunctional, and so he had yielded gracefully.

And secondly, he had changed his banking methods. For many years after leaving the army he had operated a system whereby he would call his bank in Virginia and ask for a Western Union wire transfer to wherever he happened to be. But new worries about terrorist financing had pretty much killed telephone banking. So Reacher had gotten an ATM card. He carried it inside his passport and used 8197 as his PIN. He considered himself a man of very few talents but some varied abilities, most of which were physical and related to his abnormal size and strength, but one of which was always knowing what time it was without looking, and another of which was some kind of a junior-idiot-savant facility with arithmetic. Hence 8197. He liked 97 because it was the largest two-digit prime number, and he loved 81 because it was absolutely the only number out of all the literally infinite possibilities whose square root was also the sum of its digits. Square root of eighty-one was nine, and eight and one made nine. No other nontrivial number in the cosmos had that kind of sweet symmetry. Perfect.

His arithmetic awareness and his inherent cynicism about financial institutions always compelled him to check his balance every time he withdrew cash. He always remembered to deduct the ATM fees and every quarter he remembered to add in the bank’s paltry interest payment. And despite his suspicions, he had never been ripped off. Every time his balance came up exactly as he predicted. He had never been surprised or dismayed.

Until that morning in Portland, where he was surprised, but not exactly dismayed. Because his balance was more than a thousand dollars bigger than it should have been.

Exactly one thousand and thirty dollars bigger, according to Reacher’s own blind calculation. A mistake, obviously. By the bank. A deposit into the wrong account. A mistake that would be rectified. He wouldn’t be keeping the money. He was an optimist, but not a fool. He pressed another button and requested something called a mini-statement. A slip of thin paper came out of a slot. It had faint gray printing on it, listing the last five transactions against his account. Three of them were ATM cash withdrawals that he remembered clearly. One of them was the bank’s most recent interest payment. The last was a deposit in the sum of one thousand and thirty dollars, made three days previously. So there it was. The slip of paper was too narrow to have separate staggered columns for debits and credits, so the deposit was noted inside parentheses to indicate its positive nature: (1030.00).

One thousand and thirty dollars.

1030.

Not inherently an interesting number, but Reacher stared at it for a minute. Not prime, obviously. No even number greater than two could be prime. Square root? Clearly just a hair more than thirty-two. Cube root? A hair less than ten and a tenth. Factors? Not many, but they included 5 and 206, along with the obvious 10 and 103 and the even more basic 2 and 515.

So, 1030.

A thousand and thirty.

A mistake.

Maybe.

Or, maybe not a mistake.

Reacher took fifty dollars from the machine and dug in his pocket for change and went in search of a pay phone.

He found a phone inside the bus depot. He dialed his bank’s number from memory. Nine-forty in the West, twelve-forty in the East. Lunch time in Virginia, but someone should be there.

And someone was. Not someone Reacher had ever spoken to before, but she sounded competent. Maybe a back-office manager hauled out to cover for the meal period. She gave her name, but Reacher didn’t catch it. Then she went into a long rehearsed introduction designed to make him feel like a valued customer. He waited it out and told her about the deposit. She was amazed that a customer would call about a bank error in his own favor.

“Might not be an error,” Reacher said.

“Were you expecting the deposit?” she asked.

“No.”

“Do third parties frequently make deposits into your account?”

“No.”

“It’s likely to be an error, then. Don’t you think?”

“I need to know who made the deposit.”

“May I ask why?”

“That would take some time to explain.”

“I would need to know,” the woman said. “There are confidentiality issues otherwise. If the bank’s error exposes one customer’s affairs to another, we could be in breach of all kinds of rules and regulations and ethical practices.”

“It might be a message,” Reacher said.

“A message?”

“From the past.”

“I don’t understand.”

“Back in the day I was a military policeman,” Reacher said. “Military police radio transmissions are coded. If a military policeman needs urgent assistance from a colleague he calls in a ten-thirty radio code. See what I’m saying?”

“No, not really.”

Reacher said, “I’m thinking that if I don’t know the person who made the deposit, then it’s a thousand and thirty bucks’ worth of a mistake. But if I do know the person, it might be a call for help.”

“I still don’t understand.”

“Look at how it’s written. It might be a ten-thirty radio code, not a thousand and thirty dollars. Look at it on paper.”

“Wouldn’t this person just have called you on the phone?”

“I don’t have a phone.”

“An e-mail, then? Or a telegram. Or even a letter.”

“I don’t have addresses for any of those things.”

“So how do we contact you, usually?”

“You don’t.”

“A credit into your bank would be a very odd way of communicating.”

“It might be the only way.”

“A very difficult way. Someone would have to trace your account.”

“That’s my point,” Reacher said. “It would take a smart and resourceful person to do it. And if a smart and resourceful person needs to ask for help, there’s big trouble somewhere.”

“It would be expensive, too. Someone would be out more than a thousand dollars.”

“Exactly. The person would have to be smart and resourceful and desperate.”

Silence on the phone. Then: “Can’t you just make a list of who it might be and try them all?”

“I worked with a lot of smart people. Most of them a very long time ago. It would take me weeks to track them all down. Then it might be too late. And I don’t have a phone anyway.”

More silence. Except for the patter of a keyboard.

Reacher said, “You’re looking, aren’t you?”

The woman said, “I really shouldn’t be doing this.”

“I won’t rat you out.”

The phone went quiet. The keyboard patter stopped. Reacher knew she had the name right there in front of her on a screen.

“Tell me,” he said.

“I can’t just tell you. You’ll have to help me out.”

“How?”

“Give me clues. So I don’t have to come right out with it.”

“What kind of clues?”

She asked, “Well, would it be a man or a woman?”

Reacher smiled, briefly. The answer was right there in the question itself. It was a woman. Had to be. A smart, resourceful woman, capable of imagination and lateral thinking. A woman who knew about his compulsion to add and subtract.

“Let me guess,” Reacher said. “The deposit was made in Chicago.”

“Yes, by personal check through a Chicago bank.”

“Neagley,” Reacher said.

“That’s the name we have,” the woman said. “Frances L. Neagley.”

“Then forget we ever had this conversation,” Reacher said. “It wasn’t a bank error.”