I turned on my little black-and-white TV, letting the sound keep me company while I puttered around, making supper. I sat at the counter, perched on a barstool, munching on my sandwich as I leafed through the file Vera'd given me. There were copies of the initial claim – a single-car accident with personal injuries – a sheaf of medical bills, some correspondence, and an attached summary of the salient points. The adjuster, Mary Bellflower, had flagged the claim for a variety of reasons; the injury itself was "soft tissue" and subjective, impossible to verify. Ms. Diaz was complaining of whiplash, headaches, dizziness, lower back pain, and muscle spasms, among other things. The repairs to the car were estimated at fifteen hundred dollars, with additional medical bills (all third-generation photocopies, which would permit a bit of tampering with the figures) totaling twenty-five hundred dollars. She was also claiming twelve hundred dollars in lost wages, for a total of fifty-two hundred dollars. There was no police report from the accident scene, and the adjuster was astute enough to pick up on the fact that the collision had occurred shortly after Ms. Diaz's vehicle had been registered and insured. Also questionable was the fact that the claimant was using a post office box as an address. Mary had ferreted out an actual street address, which she'd included in her notes. I noticed she'd been careful to retain copies of the envelopes (showing date stamps) in which the claim forms had been returned. If charges were filed, these would provide evidence that the U.S.