Domino Island

ONE

I

I was late into the office that morning and Mrs Hadley, the receptionist, told me that Jolly wanted to see me. ‘It’s urgent,’ she said. ‘He’s been ringing like a fire alarm.’

Jolly might have been his name, but jolly he certainly was not. He was a thin, dyspeptic man with a face like a prune and a nature as sour as a lemon. He had a way of authorising the payment of claims as though the money was coming out of his own pocket, which was probably not a bad trait for a man in his job.

He looked up as I walked in and said irascibly, ‘Where the devil have you been? I’ve been trying to find you for hours.’

I did not have to account to Jolly for the way I spent my time so I ignored that and said, ‘What’s your problem?’

‘A man called David Salton has died.’

That didn’t surprise me. People are always dying and you hear of the fact more often in an insurance office than in most other places. I sat down.

‘How much is he into you for?’

‘Half a million of personal insurance.’

That was enough to make even me wince: God knows what it was doing to Jolly’s ulcer.

‘What’s the snag?’

He tried – and failed – to suppress the look of pain on his face. ‘This one is all snag. Salton first came to us twenty-five years ago and took out £10,000 worth of insurance on his life. Over the years he built it up to a quarter-million. Just over a year ago he suddenly doubled it; the reason he gave was galloping inflation.’

‘So on the last quarter-million he only paid two premiums,’ I observed. I could see what was needling Jolly: the company was going to lose badly on this one. ‘How old was Salton?’

‘Fifty-two.’

‘Who gets the loot?’

‘I imagine it will be the widow,’ said Jolly. ‘The terms of his will aren’t known yet. The thing that bothers me is the way he died. He was found dead in a small boat fifteen miles from land.’

‘Alone?’

‘Yes.’

I looked past him out of the window at the snowflakes drifting from a leaden London sky. ‘I assume there was an inquest? What did the coroner say?’

‘Death from natural causes. The medical certificate states a heart attack.’ Jolly grimaced. ‘That might be debatable. The body was badly decomposed.’

‘Decomposed? How long had he been out there?’

‘Four days. But it wasn’t so much the time as the heat.’

I stared at Jolly. ‘What heat?’

‘Oh, it happened in the Caribbean,’ he said, as though I ought to have known. ‘Salton’s boat was found off the island of Campanilla – he lived there.’

I sighed. Jolly’s problem was making him incoherent. ‘What about starting at the beginning?’ I suggested. ‘And then tell me what you’d like me to do.’

The way Jolly told it, Salton was a native-born, white Campanillan. In his youth he emigrated to the United States, where he made his pile and took out US citizenship. His money had come from building houses for returned soldiers just after the war and he’d done very well at it. But he never forgot his roots and went back to Campanilla from time to time, buying some land on the island and building himself a home, which he used for holidays. About three years ago he’d moved back permanently and began to do a lot for the island community. He built a couple of hospitals, was the mainstay of higher education and had an interest in providing low-cost housing for the populace – something he’d become expert at in his Stateside days.

Then he died in a small boat at sea.

‘Campanilla is British, isn’t it?’

‘It was,’ said Jolly. ‘Not any more. After Harold Wilson’s “Bay of Piglets” PR disaster in Anguilla, we were all too happy to let them slip away. They even opted out of the Commonwealth.’ He looked me in the eye. ‘That’s one of the problems, of course.’

I didn’t really understand why that was a problem, but then I didn’t know anything of Campanilla. Jolly said, ‘Another problem is that the company invested money in Salton’s house-building schemes. Now he’s dead we want to make sure the money’s safe.’

Wheels within wheels. ‘How much?’

‘A little over three million. You’ll have to talk to Costello about that.’

I knew Ken Costello a little. He and Jolly were the proverbial two hands that didn’t let the other know what each was doing; Jolly was the insurance man and Costello the investment whizz-kid. They didn’t like one another much. While Jolly was a good company man, he wasn’t worried about Costello’s troubles. The half-million potential pay-out loomed larger in his mind than the shaky future of Costello’s three million. But there was something else gnawing at the back of my mind. I knew the company would still pay out in the event of suicide, but not until two years after the death. The idea was to deter any sudden impulse to leave the wife and kids in good financial shape. The realisation that you are worth more dead than alive can be positively unhinging to some men, but the two-year gap helped keep the door from falling off.

I said, ‘Was the usual suicide clause in Salton’s policies?’

Jolly looked hurt. ‘Of course,’ he said peevishly.

‘Then what’s biting you?’ As though I didn’t know.

He tented his fingers and looked magisterial. ‘I’m not too happy about that inquest. The law in these banana republics can be slipshod, to say the least of it.’

‘Do you suspect funny business?’

‘If there is any funny business we ought to know about it.’

‘And that’s where I come in. When do I leave?’

He gave me a knowing look and then smiled. Jolly’s infrequent smiles were unnerving. ‘You’d better wait until you’ve seen the chairman.’ He glanced at his watch. ‘You have an appointment with him at eleven.’

During my ten years offering expert consultation to this company, I had met the chairman exactly ten times and I’d already had my ration for the year. ‘What does he want?’

‘Ah!’ said Jolly, and smiled again. ‘Mrs Salton is the chairman’s niece.’

Lord Hosmer was perturbed. He waffled on for fifteen minutes without stopping, repeating himself many times, and it all boiled down to the fact that he was exceedingly and understandably perturbed. I was to investigate the situation directly and personally and not to rely on any of my minions; I was to investigate the situation and report to him immediately, if not before; I was to proceed to Campanilla starting, if possible, yesterday, and what was I waiting for?

Yes, sir; yes, sir; three bags full, sir.

There was one question I really wanted to ask: what angle should I take? Did he want me to look for a reason to invalidate the claim – in which case Jill Salton, niece to the chairman, would be justifiably annoyed? Or should I work the other side of the street and let the company catch a £500,000 draught? But that’s not a question to put lightly to the chief executive of an insurance company. Hosmer was neatly impaled on the horns of a dilemma and it would be tactless to embarrass him by asking awkward questions which should properly be put to an underling, who would instead look at the entrails of a chicken at dead of night and interpret the Great Man’s mind.

So I went back to friend Jolly and put the awkward question to him.

He was affronted. ‘You’re to find out the truth, Kemp,’ he said pompously.

Ken Costello was a much happier man. Although he juggled hundreds of millions of pounds, he didn’t let the awesomeness of it worry him unduly. He was a big, boisterous extrovert given to practical joking in the infantile Stock Exchange manner and equipped with an enormous fund of dirty stories also culled from former colleagues on the trading floor. When I walked into his office he lifted an enquiring eyebrow.

‘Salton,’ I said.

‘Ha!’ His eyes rolled. ‘Is Jolly worried?’

‘More to the point, are you?’

He shrugged. ‘Not much – yet.’

I sat down. ‘Okay, I’m listening.’

Costello leaned back in his chair and adopted the cheerful air of a tolerant college tutor happily indoctrinating his students. ‘Campanilla is snowballing,’ he said. ‘More particularly, there’s a building boom. They’re putting up hotels so fast that if your bedroom isn’t built when you check in, you still sleep sound that night. Money is flowing like champagne and caviar has become a staple food. That’s what happens when the palsied hand of the British Raj is shrugged off.’

‘Never mind the economics lecture,’ I said acidly. ‘Where did Salton come in?’

‘He was a property man through and through – that’s how he made his fortune in America. He got himself some nice tracts of land and started to cover them with ticky-tacky. He needed development capital, which we supplied. End of story.’

‘It is for Salton. What about you – how safe is your money now?’

‘Reasonably safe. Salton wasn’t a fly-by-nighter, and he was building for the locals, not the speculative stuff for middling-rich, middle-class immigrants who want a place in the sun to retire to. Although it wouldn’t have been altogether a bad thing if he’d tried that. We wouldn’t have touched it, though.’

‘Who runs things now that Salton is dead?’

‘That is a bit worrying,’ admitted Costello. ‘He was always a loner – kept things very much in his own hands – although he had a good manager, a man called Idle.’

‘My God,’ I said. ‘That name doesn’t sound too promising.’

Costello chuckled. ‘It isn’t as bad as it sounds. I took the trouble to look it up. It’s from the Welsh, Ithel, meaning “Lord Bountiful”.’

‘Could be worse.’

He grinned. ‘Idle, Mrs Salton and a firm of lawyers are running the show now. They’re not doing too badly so far.’

‘How far? When did Salton die?’

‘The boat was discovered two weeks ago. You going out there?’

‘The chairman insists. What fuels this economic miracle on Campanilla?’

‘Much as I regret to say,’ said Costello, not looking regretful at all, ‘it’s gambling. Of course, there are a lot of other angles, too. Campanilla has turned itself into an off-shore financial paradise with a set of fiscal laws that make the Cayman Islands look positively restrictive. You’ve heard of Bay Street in Nassau?’

‘The mecca of the Bahamas.’

‘Capital is leaving there so fast that the bankers are catching pneumonia from the draught. Campanilla has its very own version: Cardew Street.’

‘And you put three million of the company’s money into Cardew Street?’ I said.

‘Safe as houses, dear boy,’ said Costello. ‘As long as they were Salton’s houses.’

II

Eight hours later I was on a 747 taking off from Heathrow and heading for Campanilla by way of Miami. I travelled first-class, of course; it was written into my service agreement with the company. Somewhere behind me, in the back of this flying barn and jostled by the common ruck of economy flight passengers, was Owen Ogilvie, the official representative of Western and Continental Insurance Co. Ltd. To an eye untainted by suspicion, he was the company man sent out to enquire into the death of David Salton. He would do the expected and leave me to a quiet and restful anonymity.

Jolly disapproved of my service agreement; it offended his sense of the fitness of things. There was nothing he could do about it though, since I negotiated directly with the board.

During the flight I studied Salton’s policies. They were all fairly standard and with no trick clauses and I couldn’t see how Jolly could weasel his way out of paying. Whether Salton had died naturally, been murdered or committed suicide, the payment would have to be made. All that was at issue was the timescale and the most that Jolly could extract would be the interest on £500,000 for two years – say £90,000, or thereabouts.

Not finding much there, I went up to the bar which the airline thoughtfully provides for those of the jet set who can afford first-class passage. I took with me a handbook on Campanilla, which the efficient Mrs Hadley had dug up from somewhere. It offered interesting reading over a drink.

The highlights of this Caribbean jewel appeared to be the climate, the swimming, the sailing, the fishing, the cuisine and the tax structure. Especially the tax structure. The main feature of the tax structure was that there wasn’t much of it. If the United States was the Empire State Building, then Campanilla was a marquee – all roof with nothing much to hold it up, and vulnerable to financial gales.

I examined the historical section. Campanilla was originally Spanish, colonised in the sixteenth century. The British took over in 1710 during one of the fast shuffles of the War of the Spanish Succession and stayed until the twentieth century, when to have colonies offended world opinion. During this period it was called Bell Island but, on attaining independence, it reverted to the Spanish name of Campanilla. Probably some public relations geek thought it a more exotic and fitting name for a tropical paradise.

The fold-out map at the back of the handbook showed that the island really was bell-shaped. The lower rim of the bell was scooped out in a huge bay and the clapper was formed by Buque Island, separated from the main island by Pascua Channel. Opposite Buque Island was the capital of San Martin. Two misshapen peninsulas on opposite coasts represented the trunnions by which the bell would be hung. Northwards, at the top of the ‘bell’, was a coral formation, almost atoll-like, forming a perfect ring called El Cerco, which represented the ring to which the bell rope would be attached. Nature was imitating art in a big way.

Further study was profitless so I slept.

III

My hotel in San Martin grandly called itself the Royal Caribbean. It was new, which just goes to show that there is no one more royalist than a good republican. The foyer was lined with one-armed bandits which, on inspection, proved to be fuelled by silver dollars. All around could be heard the cadences of American speech from the guests and the slurred English of the Campanillans who worked there.

On my way in from Benning, the island’s international airport, two things had struck me: the smell of prosperity and the oppression of the heat. Both were almost tangible. San Martin, a clean and well-scrubbed town, was fringed on the skyline with cranes as new high-rise buildings went up. The traffic in the streets was heavy – flashy American cars driving incongruously on the left, British-style. The shops in the main streets were opulent and the crowds thronging the pavements were, on the whole, well-dressed. As for the heat, it had hit me like a wall as soon as I stepped off the plane. Even at this time of year, it was enough to make a pallid Englishman gasp.

I checked in at the hotel, showered off the stickiness, and went down again to sniff some more atmosphere. On the way out I stopped at the desk, and asked, ‘I suppose you have a newspaper here?’

‘Yes, sir; the Chronicle. You can buy a copy at the news stand there.’

‘Where is the Chronicle office?’

‘Cardew Street, sir. Two blocks along and turn right.’

There is nothing like reading the local paper for picking up a quick feel of a place. A newspaper is a tribal noticeboard which tells you what people are doing and, to a certain extent, thinking and saying. I’m a behaviourist myself and take more notice of what people do rather than what they say. The old saw ‘actions speak louder than words’ is truer than most proverbs, and I wanted to find out what people had been doing round about the time Salton had died.

I walked along the street in the hot sun and stopped at the first men’s outfitters I came to. I bought a light, linen suit more in tune with the climate than the one I was wearing, and paid for it by credit card, which was accepted without question. I wore the new suit and asked that the old one be sent to the hotel. Then I carried on towards the Chronicle office.

It looked and smelled like newspaper offices all over the world, a composite of library paste, newsprint, ink and suppressed tension. A press rumbled somewhere in the bowels of the building. When I asked to see the back file for the previous month, I was shown into a glass-walled office and seated in front of a scarred deal table. Presently the file was put before me. On its front was a pasted notice promising unimaginable punishments for anyone criminal enough to clip items from the pages.

I opened it and took a random sampling. Prices were high generally and food prices exceptionally so. The price of housing made me blink a little. Cigarettes, liquor and petrol were cheaper than in England but clothing was more expensive. That I already knew; the cost of my linen suit had been damn near the Savile Row level and the quality not a tenth as good.

I turned to the employment columns and did a quick rundown of wage levels. What I found didn’t look good: while prices rose above North American levels, wages were lower than European, which didn’t leave much scope for gracious living on the part of the working populace.

This was reflected in the political pages. It seemed there was an election coming up in a month or so and the government party appeared beleaguered. A small extreme left-wing party made up for shortage of numbers by a lot of noise, and a larger and more central opposition party threatened reform when it came to power. Meanwhile the Prime Minister made soothing sounds and concessions.

Pretty soon the name of Salton popped up, making a pugnacious speech against the ruling party:

‘This toadying government must stop licking the boots of foreigners for the sake of private profit. There must be an end to cheap concessions by which foreign gangsters can make their fortunes while our schools are understaffed. There must be an end to the pernicious system whereby foreign companies can filter untold millions of dollars through our country at no cost to themselves, while our own hospitals are neglected. There must be an end to the continual rise in prices at a time when the wage structure is depressed. I promise the Prime Minister that he will know the true mind of Campanilla during the forthcoming election, despite the activities of his hired bully boys.’