Джеймс Чейз - There’s Always A Price Tag

That jolted me. I stared at him.

‘Just sit quiet and say nothing,’ he went on, getting to his feet. He crossed to the door, lurching slightly, opened it and, raising his voice, he called, ‘Helen! Will you come down, please?’

Then he returned to his chair and sat down.

There was a long, heavy silence, then I heard Helen coming down the stairs. A moment later, she entered. She looked at Dester, then at me and she paused.

‘What is it?’ she asked sharply.

‘Come in and sit down,’ Dester said, getting to his feet. ‘I want to talk to you.’

‘What’s he doing here?’ she demanded, not moving.

‘Please, Helen, come in and sit down. I have asked him to be here as an independent witness to what I have to say to you.’

She shrugged, moved to a chair near the desk and sat down. He pushed the cigarette-box towards her.

‘Please smoke if you want to,’ he said.

‘I don’t want to,’ she snapped. ‘What is this?’

He sat down, studied her for a long moment, then lit a cigarette himself. She looked contemptuously at him, then looked pointedly away.

He turned to me.

‘I’m sorry if I’m going to embarrass you, kid,’ he said, ‘but there are a few details you must hear before you will be able to follow what comes after.’ He spoke rapidly, and I could see he was making an effort to keep his voice steady. ‘I married my wife a year ago. When I first met her I thought she was the most wonderful woman in the world. I was crazy about her. I was even worried that something might happen to me and she’d be left without funds. I was so besotted that I insured my life for three-quarters of a million dollars and willed it to her. I told her what I had done because I wanted her to know she would be secure if anything happened to me. I can see her now when I told her. When it sank in that I was worth more to her dead than alive, she couldn’t hide her real feelings for me. She turned frigid. I’m not going to elaborate on that. It sickened her to such an extent to know that I was between her and all that money that she couldn’t bear me to touch her. You have only to look at her, put yourself in my place and think what it means to have a woman like her turn frigid on you, and you can guess how I felt. I was fool enough to start hitting the bottle, and once I started, I couldn’t stop. I began to slip badly in my work. I couldn’t concentrate. I spent money recklessly when I was drunk. Because of her, I’ve ruined myself.’

‘You poor fool,’ Helen broke in. ‘Do you imagine he’s interested in all this drivel? For heaven’s sake, come to the point, if there is a point.’

‘Yes, I’ll come to the point,’ he said, ‘but you won’t like it when I do. Never mind, you have had your run and now you must expect to take what’s coming to you.’ He looked over at me. ‘She wanted the money so badly that she decided to get rid of me. It won’t be necessary to go into details, but I have satisfied myself that she is prepared to murder me for the money. She has already made three futile attempts: one of them you witnessed on Wednesday night. She thought I was drunk enough to take out the Buick and she hoped I would get involved in a smash. She isn’t a clever murderess, and her attempts haven’t succeeded.’

‘You’re drunk,’ she said contemptuously. ‘You don’t know what you’re saying.’

‘I may be drunk, but I do know what I’m saying.’ He took a drink from his glass and went on, ‘But we won’t argue about it. Nash saw what happened on Wednesday night: he is intelligent enough to judge for himself.’ He turned away from me and addressed himself to Helen. ‘Your attempts to get rid of me have been strangely uninspired. Didn’t it ever occur to you that the safest and simplest way was to wait until I was asleep, then shoot me through the head, and leave the gun by my side? Will it surprise you to hear half the movie people here expect me to shoot myself? I have the motive to finish my life. I am a drunk. I’m unhappily married. I have no money and a lot of debts. It would come as no surprise if I did shoot myself. Why didn’t you think of doing that?’

She stared at him. ‘I wanted the money,’ she said. ‘If they thought you had shot yourself, they wouldn’t pay out.’

‘My dear girl, how stupid you are. You had the chance to read the policy. I gave it to you if you remember. If the assured dies by his own hand after the policy has been in force for a year, the company does pay out.’

The look of hatred she gave him sent a creepy sensation up my spine.

‘But don’t imagine you can get away with that now,’ he went on, leaning back in his chair. ‘I have fixed it that in the event of my killing myself there will be no payout. Yesterday, I flew up to San Francisco and met the man in charge of the claims department of the National Fidelity: a man named Maddux. I must say he impressed me. He has a big reputation in the insurance world. He is smart, tough and extremely efficient. It is said of him that he knows instinctively when a claim is a fake or not. He has been with the National Fidelity for fifteen years, and during that time he has sent a large number of people to jail, and eighteen people to the death cell.’

He paused while he took a drink, then he topped up the glass with more whisky.

‘I went to see this man with the intention of cancelling the policy. But on the way up I had an idea. I am probably being vindictive, but after all you ruined my life and the setup that came to me is the kind that would make a good movie — you mustn’t forget I’ve been a good movie maker in my time. Since you have tried to murder me and you have never showed me any kindness, it occurred to me that you should be punished.’

She stiffened, her hands closing into fists.

‘Don’t be alarmed,’ he said, watching her. ‘Even if I wanted to, I couldn’t take police action against you. I have no proof. And I don’t want to punish you myself. I’ve thought of a way to give you the opportunity to punish yourself.’

‘I’m not going to listen to much more of this nonsense,’ she said angrily.

‘You should listen because you still have a chance of getting your pretty claws on all that money: not much of a chance, but still a chance.’

It was now my turn to stiffen to attention.

‘Let me tell you about my interview with Maddux,’ Dester went on. ‘When I got this idea about you punishing yourself, I realized I couldn’t tell him the truth. I was anxious to get the suicide clause altered because that would make things too easy for you if I didn’t. So I told him I was an alcoholic with suicidal tendencies, and as I was most anxious that you should come in for the insurance money and that I was also anxious in my sober moments not to kill myself, I thought it would act as a curb if the clause covering payment on suicide was cancelled. I don’t think he believed this explanation, but he was quick enough to cancel the clause.’ He paused to take another drink, and I noticed his hand was very unsteady.

‘So the position is now that if I kill myself or if you murder me and make it look like suicide the company won’t pay out. Do you understand that?’

She didn’t say anything. She was staring at the opposite wall, her brows creased in a frown: but she was listening.

‘Some weeks ago,’ he went on, ‘I decided that when my contract ran out I would shoot myself.’

She reacted to this as I did. She looked quickly at him.

‘I realized once my contract ran out, I would have no future,’ he went on calmly. ‘I should be without funds and heavily in debt. I shrank from the idea of bankruptcy. Well, my contract has run out, there is no money and I am still very much in debt, so sometime tonight I am going to end my life.’