Kinsey Millhone was bogged down in a preliminary report on a fire claim. Something was nagging at her, but she couldn't pin it. The last thing she needed in the morning mail was a letter from her bank recording an erroneous $5,000 deposit in her account. She phoned the bank and, assaulted by canned carols, waited on hold for an officer to clear up the snafu. It was with something less than Christmas cheer that Kinsey faced off only minutes later with California Fidelity's Mac Voorhies. Voorhies was smart, humorless, stingy with praise, and totally fair. He was frowning now. "I got a phone call this morning." he said, his frown deepening. "Somebody says you're on the take." Suddenly the $5,000 deposit clicked into place. It wasn't a mistake. It was a setup.