"You get to start the next chapter," I said. "You get the right to read the names of the dead."

"You're sure they don't all leave their money to each other?"

"Positive."

"They don't each kick in a thousand dollars to start things off, and the money got invested in a small upstate corporation that changed its name to Xerox? No, huh?"

"I'm afraid not."

"And the whole club isn't some kind of a tom-tom?"

"Huh?"

"Wrong word," she said. "A tom-tom's a drum. Dammit, what's the word I want?"

"Where are you going?"

"To look it up in the dictionary."

"How can you look it up," I wondered, "if you don't know what it is?"

She didn't answer, and I drank the rest of my coffee and went back to my notes. "Ha!" she said, a few minutes later, and I looked up. "Tontine," she said. "That's the word. It's an eponym."

"Is that a fact."

She gave me a look. "That means it was named for somebody. Lorenzo Tonti, to be specific. He was a Neapolitan banker who thought it up back in the seventeenth century."

"Thought what up?"

"The tontine, although I don't suppose he called it that. It was a sort of a cross between life insurance and a lottery. You signed up a batch of subscribers and they each put up a sum of money into a common fund."

"And it was winner take all?"

"Not necessarily. Sometimes it was set up so that the funds were distributed when the survivors were down to five or ten percent of the original number. Others, smaller ones, stayed locked up until there was only one person left alive. People would be enrolled by their parents in early childhood, and if the investments did well they could wind up looking at a fortune. But they couldn't collect it unless they outlived the other participants."

"You got all this from the dictionary?"

"I got the word from the dictionary," she said, "so I'd know what to look up in the encyclopedia. I knew the word, I just couldn't think of it. Fifteen or twenty years ago I spent a weekend at an inn in the Berkshires. There was this historical novel on the subject, I think it was even called The Tontine, and somebody had left a copy there and I picked it up. I was only a third of the way through it when it was time to leave, so I stuck it in my bag."