electric company. The phone bill wasn't too bad, only $37.16 including the weekly long-distance chat with her mother in New York. The heat bill, $154-65 on something mistakenly called the budget plan, sent her scurrying to turn down the thermostat. If they wore sweaters and drank hot liquids, sixty-two degrees would be plenty warm enough.
Preparing to write out a $390 check for homeowner's insurance, thankful that it came only once a year, she noticed the house was valued at $165,000. That was a lot of money, she thought.
Insurance fraud, she remembered Barney saying, was a possible motive for the fires. Certainly not for the barn, or the powder house. Possibly for the theater, though Lucy doubted the very respectable members of the board of trustees at Winchester College would stoop to such a thing. That left the Homestead.
It must have been insured for a pretty penny, she guessed. If replacement value was the guide used by insurance companies, it would certainly be very expensive to accurately reconstruct an antique house like the Homestead.
She knew it represented a sizable investment on the part of Dr. Mayes, something in the neighborhood of a quarter million dollars. That was a lot of money, especially if you weren't getting any return on it. Lucy knew that Dr. Mayes had little interest in the house, it had been Monica's project from the start. She hadn't even referred to it as "theirs" remembered Lucy, it was always "her" house.
Suddenly Dr. Mayes seemed to have plenty of reasons to burn down the house. Not only would he get rid of Monica, and conveniently dispose of her body at the same time, but he would also get back the money he had invested in the house. Add to that the fact that he wouldn't be faced with a messy and expensive divorce, and it seemed more than likely that Dr. Mayes was responsible for the fire.
That meant the fire was premeditated; he had to have carefully planned the whole thing. Maybe the three earlier fires had given him the idea. What an opportunity—investigators would assume the Homestead fire was just another arson, not a murder. All he had to do was lure Monica to the Homestead. Then, once she was there, it would be simple enough to set the fire. End of Monica.
Lucy shivered, suddenly chilly, and wrapped her arms across her chest. He had lived with Monica for thirty odd years. They had raised a family, they had shared the same bathroom, eaten meals together, slept side by side. And then at some point, perhaps when she was leafing through a magazine or sipping her morning cup of coffee, he had decided to kill her.
Lucy reached for the phone and dialed the police station. She asked for Officer Culpepper and was surprised when she was connected; usually she had to leave a message and wait for him to call back.
"Barney, why aren't you out keeping the streets of Tinker's Cove safe for honest citizens?"
"Paperwork," he grumbled.
"Listen, Barney, I've got an idea about the fires."
"I'm listening."
"Well, it just occurred to me that Dr. Mayes had an awful lot of reasons to burn down the Homestead. One, he could get rid of his wife without paying alimony; two, he would be free to do whatever he wants with Krissy; three, he would get insurance money for the Homestead ..."
"Who's Krissy?"
"Don't you know? She opened that new fitness studio in town—she's the other woman in Dr. Mayes's life, and he's part-owner of the studio."
"Where'd you hear this?" asked Barney.
"You mean you didn't know?"
"Of course we know," said Barney, defending the department. "What I asked is how did you find all this out?"
"I've heard things here and there."
"Lucy, you better mind your own business. I'd hate to see you end up like Mrs. Mayes."
"Barney, you're just trying to scare me. I'm not going to end up like Monica if you guys do your job and arrest Dr. Mayes."
"It's not that simple." Lucy heard Barney sigh.
"How much more do you need? He's got motives on top of
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