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“before I left for the club. It didn’t go very well.”

    “So you thought the note was about that? About your failed session?”

    “Exactly,” she says. “I wasn’t worried when I found Herb’s note. To tell you the truth, I was glad he’d taken the boat out. I enjoyed the afternoon here alone, even finished the Times crossword puzzle. Not something that happens every week.” She smiles and sips again.

    “But then?”

    “But then it started to get dark. And I knew something was wrong. Herb always brought the boat in well before dark, no matter what water he was on. He was cautious that way. And he had a few lobster pots in the channel. He always checked them on his way in—always—and he needed light to do that. He caught so many I’m sick of eating lobster already. We’ve started giving them away.”

    She pauses. I wait.

    “When I realized it was starting to get dark, I did call,” she says. “I called the police; they alerted the Coast Guard and the harbormaster’s office. Of course, sunset isn’t the best time to begin a search for a missing vessel. They did what they could, called it off at midnight, and then started all over at daybreak.”

    Louisa looks out at the water again. “They found the Carolina Girl early Monday morning, not long after the search resumed. She was up on the shoals in the Great South Channel with a good deal of hull damage. They also found the half dozen life jackets Herb always kept on board.” Her eyes leave the water and meet mine again. “They didn’t find Herb, though.”

    “Harry told me they still haven’t recovered his body.”

    “That’s right,” she says, staring out at the ocean. “Not yet.”

    “I’m sorry, Louisa.” I mean it. And I wish I’d said it sooner.

    She’s quiet.

    “When did the police contact you?”

    “Right away,” she says. “Two detectives came to the house early Monday morning. There’d been an accident, they said, a boating accident.”

    “Did you think they were right?”

    She faces me again, shakes her head. “Not for a minute. Sunday afternoon was glorious. We had some weather that night, but not until late. During the day, seas were calm, winds light. Herb was at home on the ocean. He’d been boating since he was a boy. And as I said, he was cautious; he respected the water.”

    “Did you tell the police what you thought?”

    She shakes her head again. “No.”

    “Did you mention the note?” I already know she didn’t. If she had, it wouldn’t be here.

    “I didn’t even think of the note until hours after they’d gone. I didn’t connect it with Herb’s death until later in the day.”

    “What else did the detectives tell you?”

    “Very little,” she says. “They asked when I’d last seen Herb, where I’d been when he took the boat out. They also asked questions about Herb—basic information—and wrote my answers on a form. They asked me to sign it when they finished, then offered their condolences and left. I didn’t expect to hear from them again.”

    “But you did.”

    She nods and sets her cup down. “Yesterday. One of them phoned first thing in the morning. Walker, I think his name was.”

    “Mitch Walker.”

    “That’s it. Anyway, he said additional facts had surfaced, asked if I’d come to the station, answer a few more questions. He was evasive when I asked what the additional facts might be. He said Herb’s insurance company had contacted him, had raised new concerns, but he wouldn’t say what they were.”

    “Life insurance?”

    “Yes. New England Patriot.”

    “How much is there?”

    “A million,” she says. “At Herb’s age, it didn’t make sense to carry any more than that.”

    “You’re the sole beneficiary?”

    “That’s right. And I may as well tell you now, that fact didn’t sit well with Herb’s daughter.”

    “His daughter?”

    Louisa nods. “Anastasia. A product of his first marriage.”

    I make the initial entry on my