Ransom

She was going to pick Ashley and Sam up at school in twenty minutes, as she did like clockwork every day. Will drove himself home from high school normally, in the BMW his father had given him six months before, on his sixteenth birthday. The truth was that Fernanda barely had enough money left to feed them, and she couldn't wait to sell the house, to pay more of their debts, or even give them a slight cushion. She knew she would have to start looking for a job shortly, maybe at a museum. Their whole life had turned inside out and upside down, and she had no idea what to tell the children. They knew that the insurance was refusing to pay, and she claimed that their father's estate being in probate had made things tight for the moment. But none of the three children had any idea that before his death, their father had lost his entire fortune, nor that the reason the insurance wouldn't pay was because they thought he had killed himself. Everyone was told it was an accident. And unaware of the letter or his circumstances, the people who'd been with him weren't convinced it wasn't. Only she, her attorneys, and the authorities knew what had happened. For the moment.

She lay in bed every night, thinking of their last conversation and playing it in her head over and over and over again. It was all she could think of, and she knew she would forever reproach herself for not going to Mexico sooner. It was an endless litany of guilt and self-accusation with the added horror and constant terror of bills flooding in, endless debts he had incurred, and nothing with which to pay them. The last four months had been an indescribable horror for her.

Fernanda felt totally isolated by all that had happened to her, and the only person who knew what she was going through was their attorney, Jack Waterman. He had been sympathetic and supportive and wonderful, and they had just agreed that morning that she was going to put the house on the market by August. They had lived there for four and a half years, and the children loved it now, but there was nothing she could do about it. She was going to have to ask for financial aid to keep them in their respective schools, and she couldn't even do that yet. She was still trying to keep the extent of their financial disaster a secret. She was doing it as much for Allan's sake, as to avoid total panic. As long as the people they owed money to still thought they had funds, they would give her a little more time to pay them. She was blaming the delay on probate and taxes. She was stalling for time, and none of them knew it.

The papers had talked about the demise of some of the various companies he'd invested in. But miraculously, no one had strung the entire disastrous picture together, mostly because in many cases, the public had no idea that he was the principal investor. It was a tangle of horror and lies that haunted Fernanda day and night, while she wrestled with the grief of losing the only man she had ever loved, and trying to guide her children through the shoals and across the reefs of their own grief for their father. She was so stunned and terrified herself that most of the time it was hard to absorb what was happening to her.

She had been to see her doctor the week before, because she had barely slept in months, and he had offered to put her on medication, but she didn't want to. Fernanda wanted to see if she could tough it out without taking anything. But she felt utterly broken and in despair as she tried to put one foot in front of the other day after day, and keep going, if only for her children. She had to solve the mess, and eventually find a way to support them. But at times, especially at night, she was overwhelmed by waves of panic.

Fernanda glanced up at the clock in the enormous elegant white granite kitchen where she sat, and saw that she had five minutes to get to the kids' school, and knew she'd have to hurry. She put a rubber band around the fresh stack of bills, and threw them into the box where she was keeping all the others. She remembered hearing somewhere that people got angry at those they loved who died, and she hadn't even gotten there yet. All she had done was cry, and wish he hadn't been foolish enough to go so wild with his success until it destroyed him, and their lives with him. But she was not angry, only sad, and totally panicked.

She was a small, lithe figure in jeans and a white T-shirt and sandals as she hurried out the door, holding her handbag and car keys. She had long straight blond hair she wore in a braid down her back that, at a rapid glance, made her look exactly like her daughter. Ashley was twelve, but maturing fast, and she was already the same height as her mother.