* * *
SQUINTING, Janice leaned closer to the ledger spread out on Kurt’s desk. The numbers blurred. She pulled back and they came into focus. Brushing back her hair, she acknowledged that she’d have to make an appointment for that eye exam she’d been putting off for too long.
But even glasses wouldn’t clarify the columns of figures she’d been trying to make sense of since arriving at Eber Insurance several hours ago. Kurt’s secretary, the bookkeeper, Tom Sikes and the sales staff who’d come in and out had all treated her kindly. They’d gone to great pains to explain the operation to her. She envied them their acquired knowledge and despaired of ever catching up.
Finally, she’d shut herself in Kurt’s private office so no one would witness her private humiliation as she tried to make sense of the papers she’d been given. It would seem that the firm wrote insurance for commercial properties, plus auto, homeowners, and some life and health. A broad base. According to Tom, they were decidedly in the black. Janice would have to take his word for that, since the ledgers were beyond her understanding.
Tom had also pointed out several large policies coming up for renewal soon that she’d have to pay special attention to. Their representatives wanted to meet the person who’d be in charge, to be assured that the main thrust of Eber Insurance would be as before. Janice sensed that Tom thought himself the likely candidate to take over. He’d stopped short of offering to buy in or buy her out, yet she felt he was considering doing so.
She hadn’t the foggiest notion which way to go on that.
Janice rubbed her forehead. She’d never suffered from headaches much until recently. Now they seemed to be her daily companions. Maybe what she should do was handle the immediate problems and take the rest of these papers home to read over at her leisure. Finding a large manila envelope, she shoved the stacks of papers into it. She filled two, then sat back with a worried frown.
Whom was she kidding? She could read all of this, study it till the cows came home, and be no further ahead than she was right this minute. She simply had too little understanding of the business world to be able to make intelligent decisions. She needed help, but whom could she trust?
Her father was out of the question. He was too far away and too opinionated. She ruled out her Uncle Judson as well, for though she liked him, he had a tendency to make decisions for people and then expect them to follow without question. Kurt had been a little like that and she wasn’t certain she wanted to start up with another man who’d overpower her. Perhaps it would be best if she went outside the family for assistance.
Janice didn’t know the men who’d advised Kurt—his attorney and his accountant. They’d both been at the funeral, offering to help in any way they could. But she hadn’t particularly liked their somewhat condescending attitude toward her. Maybe she was being overly sensitive, but she’d rather have someone fresh on the scene.
Finally she zeroed in on the name that had been hovering in the back of her mind since her walk with Anna. Grabbing her leather bag, she rummaged around inside until she found what she was searching for. Leaning back in Kurt’s chair, she studied the card David Markus had given her.
Had he meant it when he’d said to call him if she needed anything, or had he just been trying to be polite? A financial adviser with years of business experience seemed the right person to ask. Still, she hesitated.
She’d never called on a man other than Kurt for help. Never. Of course, she shouldn’t think of David as a man, but rather as a business consultant. Janice smiled at her own silliness. Definitely difficult not to think of David Markus as a man first and foremost. However, she was certain he looked upon her as a friend’s wife and nothing more.
Although he had once, for a short time. One long-ago autumn when they’d dated. But that had been when they were both young and carefree. Now, Janice thought of David more as a trusted ally.
With that thought in mind, she dialed his office number. In moments, his secretary came on and told her that David wasn’t in, that he was working from home this afternoon. Before she lost her courage, Janice dialed his home number.
He answered on the third ring.
“David, this is Janice Eber,” she said, hoping she didn’t sound as nervous as she felt. “I hope I’m not interrupting anything important.”
Spooky, David thought. Downright spooky to have the woman he’d been thinking about call just then. “Janice, good to hear from you. How are you holding up?”
“I’m doing fine. Personally, that is. But with the business end of things, not so well.”
“How can I help?”
“I’m not sure. I’m sitting at Kurt’s desk in his office, and I have to admit I’m overwhelmed. I don’t understand the books, a second mortgage on our home, some investments. Kurt’s office manager, Tom Sikes, is more than willing to explain everything, but...”
He caught the pause, the hesitancy, and understood. “But you don’t know him and you’re not sure you can trust him.”
He’d about summed it up, though she hadn’t spoken those exact words aloud. “More or less.”
“Would you like me to meet with Tom Sikes, go over the papers and then explain everything to you?”
She felt relief flood her. That was exactly what she wanted. “If you’re sure you have the time. I know you’re some distance from here and I hate to ask. You must be busy.”
“It just so happens I’m visiting a client in Whitewater tomorrow morning. I could be in Tyler about one. Could you ask Tom to prepare for my visit, to have the latest audited reports and tax returns available, and give him permission to show me all the books?”
“Yes, certainly.”
“Leave the mortgage information and Kurt’s insurance policies on the desk also and I’ll check into those.”
She was feeling better by the minute. “Fine. Feel free to look through the entire desk and files. Anything else?”
Leaning back, David smiled. “Yes. Invite me to dinner tomorrow evening. I should have a pretty good idea of how you stand by then, unless I run into something out of the ordinary.”
Dinner. Janice hadn’t thought that far ahead. But it was the least she could do. “Consider yourself invited. But understand that I mean to pay you as would any other client.”
“We can discuss that over a glass of wine.”
Now they were drinking together. Janice felt her pulse quicken, something that hadn’t happened in a very long time. As the thought held, she felt herself flush with guilt. She was a widow, a woman newly widowed. She would do well to keep that in mind and keep this meeting businesslike. With no small effort, she put a touch of formality into her voice. “Then I’ll see you tomorrow evening.”
“I’m looking forward to it.”
Something had been bothering her since he’d answered. “David, what’s that noise I hear in the background?”
“Oh, that.” He laughed. “That’s water gurgling. I’m sitting in my hot tub. It’s a great way to unwind after a long day at a desk.”
She was caught off guard. “A hot tub,” she repeated.
“I’ll have to show it to you sometime.”
Her errant mind went wild. She pictured him sitting in the sunken tub, hot bubbling water swirling around his muscular chest. They’d gone sailing together one balmy afternoon, and Janice remembered that David’s chest was generously sprinkled with dark, curly hair. Was it still like that? she wondered.
Flushing, Janice stood up so quickly she nearly toppled